Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in a state program, Keep Your Home CA ( KYHC ) and was approved since XX/XX/XXXX for the Hardest Hit Funds and Wells Fargo as to the home preservation program that pays Wells Fargo the mortgage for 12-18 months. 
I was in review again for a HAMP modification, tho previously wrongfully denied over XXXX applications and hard credit checks on my credit with each application - most of which were solicited by Wells Fargo suggesting I " try again '' to save my home, '' instructed me to default in order to qualify, etc ... .lost documents, reapply, asked about future earnings and then denied. I received a back dated letter from the SPOC, XXXX XXXX at Wells Fargo, dated XX/XX/XXXX stating that I was not approved for a work out option, modification or refi as to the earnings stated in the letter which were false and as stated above from a year ago, tho the envelope itself was dated XX/XX/XXXX. I had n't noticed the date being a back dated letter until the contact ( XXXX XXXX ) stated that I " check the date '' as she said she did n't recall sending me anything. The letter had false information as to my financial information and was a denial for work out options as usual. I had a work stoppage and had been collecting EDD funds since XX/XX/XXXX at max $ XXXX/month, yet WF stated I made over $ XXXX/month and did n't need assistance. I submitted all the same docs and financials to WF as I did the the XXXX XXXX XXXX XXXX XXXX XXXX office as wells as to the KYHC contact in order to have the same information for all as i applied for assistance from the CA preservation program. The program was approved and funded by the treasury funds and by Wells Fargo - and payments on the account began as of XX/XX/XXXX and accepted by WF. Simultaneously I was placed in foreclosure as of XX/XX/XXXX by the contact at WF even tho my doc package was complete and in underwriting, and was also in review for the CA program as well. This is a violation of the CA Homeowner Bill of Rights, tho WF will state that it 's not. Consequently, the payments have been made by the KYHC funding since XX/XX/XXXX, and on XX/XX/XXXX I received XXXX copies of a duplicate letter, Notice of Default stating that I was now in foreclosure. All the same exact letter to different versions of my name sent certified mail. XXXX of the letters was also a copy of the foreclosure notice sent to the country recorders office - which lead to mail solicitations to buy my house, appearing on XXXX and other sites that my home was in foreclosure and calls all day long to my home and office as to buying my home. All the while WF has been collecting the payments on the mortgage. I spoke to public counsel briefly and was told that WF appears to be harassing me. On the following Monday XX/XX/XXXX I received XXXX more notices of default. XXXX letters in two days. Yesterday, I received a notice from my mail man that I needed to sign for XXXX more documents. I contacted WF 's " attorney/collector '' XXXX XXXX ( a firm that is in active bankruptcy ) and was told this was implemented by XXXX and to call them. No one at XXXX seems to be able to give me any information as to the damages done and the harassment as to the fraudulent implementation and violations of both state programs all the while funding the mortgage. I contacted the legal dept of the CA program and have receipt ledgers of all payments made and current to Wells Fargo, tho Wells takes a while compiling the docs needed and continues to call me tho I repeatedly tell them that all communication needs to be in writing. When the respond to CFPB, it is merely to reiterate the questions and fill in the blanks with false information as has been the case for several months, yet the consumer abuse continues, the backdated letters, the harassment,XXXX letters of foreclosure tho paid on the mortgage. 5.75 % int still and XXXX apps

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