Consumer complaint received 2015-04-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a loan modification with my lender Wells Fargo in XX/XX/XXXX. This was escalated by the Fl Attorney General 's Office in XXXX and I STILL have no resolution. There is a bit of background to my case so I will explain by being as brief as possible but without leaving out any details. 
I purchased my home in XX/XX/XXXX. WF approved my loan with a falsely understated amount for my escrow payment. Within XXXX days of closing my payment increased by several hundred dollars due to the escrow payment alone. They increased it again the second year although my property taxes and insurance DID NOT increase. Still, it was affordable to me. 
Time passed and I started a business. Everything went very well for a time. Then, I had a rough quarter and fell slightly behind on my mortgage payments. I asked WF several times to review me for a repayment plan but they refused. I continued making monthly payments but was in a bit of a delinquent status due to my temp. inability to catch up all the payments at once. 
Then, last summer I went away for a bit. During this time I made several payments via XXXX XXXX as there were no WF branches in the state I was in and WF would'nt accept payments online. 
While I was out of town WF came to my house with foreclosure paperwork and shoved it into the hands of a friend of my family who was visiting here from XXXX on XXXX. She is not a XXXX and does not understand or read XXXX therefor, according to Fla. statues their " service '' is invalid. Furthermore, they served this paperwork without previously sending me a notice of default nor a notice of intent to accelerate the loan. I have asked them on numerous occasions to provide proof of these things and they have sent me XXXX photo copy of a collection letter. They have n't sent any of the additional information as they do not have it. 
Come to find out, they did not apply XXXX of the payments that I made through XXXX XXXX. So while I thought I had XXXX payments to make up WF was claiming that I owed XXXX. I had saved the receipts to I sent them to them and they did research for about XXXX days. When they finally located the payments they returned them to me!! These payments were made when my loan was still in good standing and they should have been applied to my account. I 've demanded that they explain themselves and why they returned the payments and they claim I requested them to be returned to me. This is a bold faced lie. All I have wanted to do is get my loan straightened out. I would never ask for money to be returned to me. 
Anyway, I owed XXXX months plus the XXXX missing payments ... This totals XXXX. However after WF located and returned the payments to me they were claiming I owed XXXX months. I am not sure who at a bank is so incompetent that they think XXXX but it clearly does not. I have asked them to explain and correct this as well and they can not and refuse to. 
Then, after I filed a complaint with my Attorney General 's office they began to review me for loss mitigation options. They should have BY LAW done this before attempting to file a foreclosure. Now, they have had the file for over XXXX months and they are playing games with underwriting. They are claiming now that I owe almost one year in payments but this is a direct result of their stall tactics, losing XXXX payments and refusal to review me for a repayment plan last year when I clearly qualified for one. They are attempting to extort XXXX out of me for " pre-paid '' Attorney fees even though they did not pay this to their Attorney and the fees are ridiculous. For example, they are trying to charge me over XXXX in filing fees whilst my county charges only XXXX to file a new case.

Company response to consumer: Closed with non-monetary relief