Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 at XXXX I was served with a FINAL NOTICE OF EVICTION with 24 hours to vacate the home I had owned for 12 years. That was the first time I had any idea that my house payment was late. I lived there with my husband and was a stay home mom to XXXX boys, XXXX, XXXX. My XXXX XXXX XXXX has XXXX and a XXXX illness. I explained to the deputy it was a mistake. We called my husband, and upon speaking to him, the deputy said " sit down, I have very bad news ''. My husband told the deputy he had been hiding mail about the house in his trunk and to not worry me. The deputy said something seemed very wrong with my husband and I should send someone for him and I should go to the courthouse and file an emergency writ to stay. My children went to school that day and they never came home. I filed the writ to stay but as hours passed and I kept checking, I was eventually advised to l stop waiting and get whatever I could from the house before it was locked up. A woman from the sheriff office called the courthouse for me and did n't get an explanation of why my writ was n't addressed. It turned out that my husband had lost his job 15 months earlier yet continued on his normal schedule so I would n't know. I went to the local Wells Fargo bank manager and begged for help. She put me in touch with a Wells Fargo " liason '' who said she would do everything in her power to get me back in my home after I explained the situation to her. She even read me transcripts of the single phone conversation WF had with my husband in which he indicated I had no idea the house was in jeopardy. WF own records show they knew that I was the homeowner and had no idea the house was in foreclosure- but they still continued. I spoke to the liason multiple times for hours and explained everything and BEGGED for help. I have attached details too lengthy to include here.A lawyer from my church tried to file a motion to quash service of process and vacate default and set aside final judgement of foreclosure and foreclosure sale. It took 3 months for me to get in front of a judge but a date was finally set for XXXX XXXX, 2015. The deputy who served the foreclosure offered to provide an affidavit that he was sure I had no idea the house was in foreclosure ; my husband was sent for court ordered XXXX evaluation ; he was sent for a XXXX to see if he had a XXXX because it was impossible that this was happening. I was given a temporary injuction for the boys and I.I collected as much information as I could and wrote up a statement for the judge asking for the chance to protect my home. The I spent 3 months preparing, but the judge never even let me speak. My husband was told by the lawyer to explain to the judge what he had done and the judge replied " I do n't buy it. '' She said she did n't understand why I was there now when the foreclosure was completed such a long time ago. She said " there is no room in the judicial system for sympathy '' and that she would not overturn a foreclosure signed off on by another judge- the original judge had since retired. I have spent 17 months trying to find help. I have contacted multiple lawyers and everyone I talk to is surprised and shocked by what happened, and tell me that if I had contacted them sooner there were many ways to help me save my home, but ultimately say it is too late. THE CLOCK DIDN '' T START FOR ME UNTIL XXXX/XXXX/15 at XXXX and I acted IMMEDIATELY and as strongly as I could figure out. Everyone I talk with says they would think my foreclosure would have been overturned based on the evidence- but it was n't. I was not able to get access to my cell phone because it was leased in my husbands name but WF could take my HOME without any contact!? My children and I are all XXXX. XXXX of my boys failed the last semester and the next year of school. Please help us.

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