Consumer complaint received 2015-11-18
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get a loan modification from well fargo for more than a year. they had raised our payment do to our escrow going up and in return it was to much for us to make, we got behide in some payments and then ask to do a loan modification with them ( wells fargo ) to lower our payments. they ask for a lot of paper work which I sent to them over and over, then they said they did n't get the paper work they ask for so they turned us down, we ask to do the modification again and sent everything they wanted and they turn us down saying we did n't send everything again and they were going to forclose on us. at this time we went to our lawyer for help and we hired national support group to help us with the modification. all we wanted was a payment and they ( well fargo ) would n't give us one. national support group said they would be able to get us a loan modification so we sent all the paper work to wells fargo again the same paper work they requested just updated and they turned us down again saying we did n't make enough money so they were going to forclose on us.XXXX talked with wells fargo and found out they were not using all of our income just part of it sowe resmittted all the paper work again for the loan modification, this is the XXXX time. they came back at the first of XXXX and said we XXXX the last two years so they were turning us down for the modification again. we had also sent to them that my husband come XXXX gets {$XXXX} more on his pension and also starts to receive XXXX of {$XXXX} per month as well as the money he makes from his job and I work full time also and they ( wells fargo ) said my husband social security could n't count until he has received it for 2 months even though we have all the paper work from XXXX. wells fargo said we would have to show a profit from the farm which we do have this year we have worked really hard to turn things around and they will not even give us a chance to try to make the a payment. we have worked our whole lives and never lived off the system and just want to make our payment on our home. I fell we have been mistreated through this process we have done and sent everything they have asked for and each time they say something different why they wo n't give us a loan modification. they have had our taxes from the word go and over a year later they use as a reason for not giving us a payment and now our lawyer said he got a paper from the wells fargo lawyer where they are going to forclose on us again. I do n't know what it is going to take to say my home but at this point I will do anything. i just think wells fargo has done us wrong when all we wanted to do is have a payment we could afford, the national support group said we make more than enough and there should n't be any reason we were n't given a modification. the lawyer for wells fargo had also told our lawyer in XXXX that the forclose was suspened and now they want to forclose again, there truly is a great problem with the way wells fargo has handle this modification process with us for over a year

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