Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has inspectors peeping in windows and on some occasions entering the property illegally when no one is home. I have begun video taping their entry and exit from my home. It also required I barricade basement doors, and windows so neighbors could help watch for them by forcing them to enter through front door. 

Other behaviors include property inspectors looking into windows where children are dressing, entering garages, and illegally entering our home, when people are at work. 

Wells fargo maintains they are not responsible for the abuses being conducted by their XXXX Party Inspectors. 

The house has a perfect well manicured lawn and exterior, and XXXX cars in the driveway. 

Wells Fargo is sending conflicting foreclosure documentation. They will not cure any defects in their foreclosure documentation, which was sent to me certified mail, until after the date in the certified letter, in which the house will be sold, according to the received paperwork. They claim on their customer service line, I should ignore this paperwork, and the dates, and take their word for it. 

Dates in certified mail paperwork do not match dates given by phone or status of foreclosure. 

Wells Fargo rejected my payments prior to the foreclosure being initiated to deliberately put the house into actual foreclosure. 

Wells Fargo put home into forclosure prior to 120 days of delinquency. According to certified mail received from Wells Fargo. 

Wells Fargos own foreclosure lawyers did not receive copies of certified documents, they had already sent relating to the foreclosure. 

Wells Fargo claims their phone conversations can take the place of legal certified documents, they mailed despite the fact, the last time their word was taken the documents were true, and the representative on the phone was not true. 

Wells fargo claims it is not obligated to recind in writing legal documents it sent, and I should " take there word for it '' I will not lose my home. 

Wells Fargo will not send me any paperwork on curing default, until it 's impossible to cure the default, and prevent the sale of my home. They claim it takes 5-7 business days to complete this paperwork to produce the reinstatement quote while they ensure more fees are generated. 

Meanwhile, while not taking my payments, or giving me my documents so I can pay them, their collectors continue to call despite the fact they can not take any payment, and they can not tell you how much you exactly owe, because the reinstatement quote is not done. 

There can be no other purpose for these calls, but harassment. 

Wells Fargo does not provide any pre forclosure documents, needed to be able to release hardship funds, from a XXXX, in accordance with federal XXXX plan requirements. 

Every action taken by Wells Fargo has served to perpetuate continuing costs, legal fees, and force the sale of my home on XXXX XXXX. 

Even today, they claim I will not be able to receive documentation needed for a distribution, until long after I will not be able to be able to get the distribution to them in time to stop the sale of my home. 

The sale date referenced in my certified documents is illegal under Georgia law. XXXX only allows sales on the XXXX Tuesday of the month. 

Wells Fargo Gave no notice of foreclosure, prior to refusing to take my mortgage funds. They had claimed in XXXX the house was not in foreclosure. Despite certified mail. 

Wells Fargo then held funds sent electronically to them and refused to return them for 5 business days. 

I was told to speak with their Foreclosure attorney to take care of getting reinstatement. Foreclosure atty does n't handle wells Fargo reinstatement payments or process, this disconnect means attorneys are filing court documents, while Wells Fargo refuses to accept payments to cure default. Wells Fargo will not send reinstatement documents prior to sale date of home.

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