Consumer complaint received 2016-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX, I have faced many financial hardships to include a divorce in XXXX ( XXXX ). I have tried on several occasions to work directly with Wells Fargo only to be transferred from home specialist to home specialist - I have been through the process at least 8 times from XX/XX/XXXX - XX/XX/XXXX. I have letters from Vice Presidents offering assistance, letters from home preservation specialists, and letters from executives that claim they work in the Wells Fargo presidential suite offering to help me obtain other alternatives to loan modification as I seek help. 
The process is like a revolving door - Once I start the process someone is either promoted, moved into a new role, no longer with the company, or I am transferred to voice mails never to hear back from this person ( s ) again. 
In XX/XX/XXXX, I was informed by XXXX XXXX XXXX ( attorneys ) that I was properly served a summons for court and the description of the individual is a XXXX man around the age of XXXX - XXXX years old - that fit 's about XXXX % of our neighbors. 
Rather than dispute the issue, I continue to meet with the XXXX County Judge and the attorney only to be told to come back at a later date. 

Out of the blue, around XXXX XXXX, I receive an email from from a wells fargo associate offering to help me with a deed-in-lieu of forclosure. I am a bit suspicious since this is the First time I was ever able to get an email address from XXXXXXXXXXXX. I could n't even get the email address of the home preservation specialists since XX/XX/XXXX that claimed they were helping me do a home loan review and possible laon modification. 

I am now in the forclosure process and I have given up in XXXX XXXX trying to do anything that would help keep me in the home. I made it clear that I will exit the home when the time comes but I do n't think this process has been fair. 

I did not file any motions other than my entering the case as Wells Fargo claims to have justified serving me in XX/XX/XXXX with a summons to appear in Court. It is very unfortunate that I have received more support from the XXXX Country Judge and the attorney representing Wells Fargo. I fully understand that both the judge and the attorney are doing their job, but why does Wells Fargo play games - if they were going to forclose on me anyways, what is the purpose of all the paperwork and then my continuing to follow up and to my part to ensure a loan modification, a short sale offering, a deed-in-lieu offering when I am just given a new name and number in the Wells Fargo scam process. 

From the VA office to other online support agencies, Wells Fargo has made a reputation for themselves lying about home loan modification options. 

I am in foreclosure, but I would ask that Wells Fargo home modification program get audited. They are deceitful and do not offer fair advice and assistance - I have found cases online where Wells Fargo has been through this process in South Carolina as the audit shows many of their employees were not qualified for the job position held. 

Wells Fargo is sneaky as they inform the judge through their attorney they served me properly, based on a general description - Yet, I ask for the servicing officer to testify in court only to be told, I did not file a motion to dispute their claims. 

I refuse to make any additional payments to Wells Fargo since XXXX XXXX and I hope their practices and XXXX page foreclosure book will end up in front of a Judge that enforces due care in the banking and mortgage process.

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