Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Long story short, I found out I qualified because of my income for a loan modification for property I inherited from my XXXX mom. 

The mortgage company Wells Fargo strung me along for many months and gave me several excuses in the beginning saying I did n't qualify for a modification. 

After I found out I did, and I done all the things I was told I needed to do to qualify, they once again strung me along for months then sold the property off from under me. 

The home I am inquiring about was placed in foreclosure and actually had a sale date and was sold back in XX/XX/XXXX. I sought advice from the lawyers at Wisconsin 's XXXX XXXX and found out the sale was n't considered final until the sale had been confirmed in a last court date. 

I found out the court date was set for ( XX/XX/XXXX ) and I filed for bankruptcy pro se on XX/XX/XXXX and it gave a automatic stay of the sale. 

Wells Fargo finally listened to me and I sought a Financial Institution that helps low income called Housing Resources. The person in charge of their Foreclosure department spoke with Wells Fargo and " together '' we were told the loan was assumable and able to be modified. 

Through Housing Resources I submitted the application for an assumption and modification along with all the paperwork they requested by their due date of XX/XX/XXXX. 

The Account Specialist Wells Fargo assigned to me, contacted me and asked for only two additional items, a XXXX certificate for my mom and paperwork showing I had rights to the property. Both items were submitted that very same same day they asked by fax from a XXXX Wells Fargo Bank. 

The account specialist contacted me several times saying nothing further was needed and they were just waiting on info about the XXXX XXXX form. 

I put my reputation on the line by filing for a Chapter XXXX bankruptcy and the lawyers I spoke with said they did n't recommend me continuing with a chapter XXXX bankruptcy because I only had a little over {$3000.00} dollars in personal debt, and if i could get the mortgage company to work with me that was my best option. 

I did get the mortgage company ( Wells Fargo ) to work with me and 2 months passed. I was waiting on a decision. Because the mortgage company was working with me, I did as the lawyer advised, I let the chapter XXXX bankruptcy be dismissed by not attending the meeting of the creditors. 

On Thursday XX/XX/XXXX, the mail carrier knocks at my home with a certified letter for me to sign to receive. It was a court dated for today ( XX/XX/XXXX ) to confirm the confirmation of the sale that was done back in XX/XX/XXXX. 

To this date XX/XX/XXXX, I have not received a denial letter or a letter saying I did n't qualify for the assumption modification or a reason for the sale to be back on. Wells Fargo basically jumped ship on me when they got wind of the bankruptcy being dismissed. 

I was told the way they handled this was illegal. How can they put me back in foreclosure or whatever they call it after all I went through to empty the property and plan for occupancy. 

I called Wells Fargo on XX/XX/XXXX and many times since I received the certified letter. They have n't and can not give me a reason for what has transpired. 

I 'm devastated by this. I really tried to keep this property because it was dear to me and my family. This house once belonged to my mom who I was very close to and my XX/XX/XXXX son XXXX in it. I made major repairs on it that I skipped in the house I currently reside in because the plan was to keep it. 

I was able to speak with three lawyers and they all said these mortgage companies have done this very thing to thousands if not hundreds of thousands of people and foreclosed their homes. I really feel they should n't be able to get away with things like this, especially after the preditorial lending practices. This home was never modified behind that yet. They were saying the amount yet owed is 3 times the amount it 's worth. 

Please help me with this matter it would be greatly appreciated.

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