Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My COMPLAINT IS THAT WELLS FARGO DID NOT ACCEPT PAYMENTS FOR MY HOME MORTGAGE DURING THE HOME AFFORDABLE MODIFICATION PROGRAM APPLICATION PROCESS. This has caused me to be FIVE PAYMENTS BEHIND INSTEAD OF TWO PAYMENTS ... making me a candidate for FORECLOSURE. 
I have applied and reapplied several times for a Home Affordable Loan Modification with Wells Fargo Bank within the last 2-1/2 years or more. Because of the incompetency of the HARP representatives taking my application, there was always another piece of paper to fill out or some other information missing from my application ... and papers would expire and I would have to submit them again ... tedious, time consuming and XXXX.This happened several times and I had to submit a whole NEW HARP application several times and repeat the process once again. Every few months I would be assigned a new HARP representative making it even more complicated and long drawn out. XX/XX/2015, my application was finally accepted as complete but because MY LOAN WAS ABOUT TO MATURE WITH PAYMENT INCREASING IN XXXX, 2015, MY INCOME was insufficient to meet the demands of the NEW LOAN AMOUNT. TOTALLY UNFAIR AND ILLEGAL BANK PRACTICES. 
MY FIRST COMPLAINT is that Wells Fargo did not accept my home mortgage payments during the HARP program application process. I had the money in the bank and still do to catch up with my payments in which I am ONLY 2 payments behind. I have been struggling to catch up with HOPE of acquiring a home affordable loan but now my payment is TOO HIGH for me to catch up and and they are putting me into foreclosure. I have pleaded with them on several occasions to accept my payments and was CONTINUOUSLY REFUSED. 
In XXXX, 2015, my loan was going up over {$1000.00} per month so they stalled their response so that they could base my application information/income ( which was submitted against the prior lower payment ) which was les the {$1000.00} on this new amount and I was contacted with the NEWS that I did not qualify for a HARP because of the income to loan ratio. Tricked and totally stressed and beyond hopeless at this time. 
Meanwhile in XXXX 2015, they changed my Home Mortgage Account number and My ELOC Loan number and mailing address ... again disrupting and confusing. The payment was already sent through XXXX Online Banking and came back causing it to be late. I had to contact Wells Fargo to communicate this with them and that 's when I found out they changed the account numbers and address to where my payment should be sent. I am appealing with you to report them to whoever takes care of banks like this and make them aware of their UNFAIR AND UNSCRUPULOUS BANKING PRACTICES. They should be publically humiliated just like they are humiliating me by putting me into a category of an irresponsible individual. Meanwhile I pay over {$19000.00} a year in INTEREST ONLY for the last 10 years and 9 months. Please help me. My house is on the market since XXXX XXXX, 2015 with a lot of interest. This is the only asset I have and do not want to lose it to an unscrupulous bank like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation