Consumer complaint received 2015-10-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Urgent Please HelpI purchased my personal residence in XXXX XXXX, with an XXXX XXXX. 9 months later I refinanced the property into XXXX loan. The title company paid off my vehicle instead of the 2nd mortgage through the refi process. I immediately tried to get the problem fixed. I was completely stone walled by every entity I pursued for a remedy. I have all my paperwork from XXXX until today and a timeline of all the events.I have tried everything over the past 10 years to get this solved. I continued to make payments on the loan that was not paid off in the refi until XXXX. I did not want to ruin my credit. I could not get anyone to listen or fix the issue of the wrong loan being paid off. In XXXX due to the housing collapse and due to many economic events that most experienced I fell behind on my payments. We had a situation that because the title company paid off the wrong loan, that very loan was now in XXXX position by record date and no one would do anything to fix the problem. I escalated the ongoing problem to the executive office at the bank where it sat for 3 years with no resolution. XX/XX/XXXX I found a summons for a XXXX Foreclosure on my front door. Then on XXXX XXXX I received a Non XXXX foreclose notice. I retained counsel and because the XXXX Foreclosure afforded me mediation that is the path I took. The final result was No Foreclosure Certificate was issued on the XXXX XXXX case. The XXXX proceeding that was on hold now had a calendar call scheduled for XXXX XXXX regarding a bench trial a few days later. The banks attorney requested a dismissal. I was Surprised! Now it appears that the bank is moving forward with the foreclosure process again. I have asked at everystep through this process that my loan status be fixed. I have had an Unmarketable title for 10 Years. All I have requested is that since I had a Unmarketable Title for 10 Years that my principle balance be reduced to 15 % below market value and a good interest rate and we could all go on with life. I believe that the banks failure to Mitigate their Damages over a 10 year period is border line criminal. Then we have claims Barred by the XXXX XXXX XXXX, Lack of Privity, Statute of Limitations, Lack of Standing, Lack of Valid Assignment among many other issues. Also I received calls from the servicer and bank entities 3 times a day weekends and holidays included for over 4 years. I complied and took the calls or answered the many calls so that no one could say I was not compliant or unable to be contacted. The bank should have many recordings of these call as I always requested that the calls be recorded even though the contact person said that the call could be recorded. It is hard to put 10 years of this journey into the allotted character account allowed. I have all my paperwork through this journey and lack of resolution. I have been harmed over this past 10 years. There is much more to this event. I have all my documentation. This is very urgent as the bank is setting up to foreclose again. I have not asked for a Free House. I have asked for this situation to be fixed with a principle reduction and good interest rate. I believe that because of the banks failure to Mitigate their damages over 10 years that I would win my case in a jury trial. I believe the banks involved and servicer 's involved could be liable for substantial damages. The banks wrong loan payoff and recorded position should have been fixed on day XXXX of when it happened in XXXX. Here I am 10 years later with a situation that no one wants to fix. I am not asking for anything unreasonable. I want to please beg for your assistance in this matter. I XXXX served his country from XXXX - XXXX and I should not have to go through this any longer. Will You Please Help Me? 
Respectfully XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation