Consumer complaint received 2016-05-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in spotless standing with my HAMP Modification. I have been sick for many years. By the time I realized that XXXX XXXX had put my HAMP Modification was in ruins, I did not know what to do. Between XX/XX/XXXX-XX/XX/XXXX my ASC Loan Activity shows that the modification had a very poor start. My three ( 3 ) Coupon Payments for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX were placed into Suspense. My XXXX XXXX, was a payment reversal that went back to my checking account. The general rule is I am months behind on my ASC Mortgage Statement, I have cancelled payments on my personal checking bank account printouts, some missing mortgage payments, that are not easy to find, but I do, in ASC Loan Activity and, payment reversals on my bank statements, and it shows payment were cancelled on my bank statement printouts. But XXXX, all mortgage payment show that they are paid in the ASC database. Thus, this same type of activity went on year after year. Last sums of money are coming through my bank account. On XXXX/XXXX/XXXX bank printout. Grand total paid for 8 mortgage payments was {$19000.00}. That is 8 x {$610.00}. Another XXXX grand totals for {$7300.00}, {$4900.00}, and {$13000.00}. I talked to the bank manager, and she stated the transactions were over 30 days old. But, these transactions were still going on up to the XXXX XXXX, XXXX. About XXXX days after the trip to the bank, I got a letter from Senior Vice President of Wells Fargo Home Mortgage XXXX XXXX XXXX, who stated my account was being moved to XXXX on XXXX XXXX. I had received a letter from this same man a couple of weeks ago. He wrote me and said, that the money from a check that he had sent me " may be taxable ''. What check? I have no idea what he is talking about. From XXXX to present, I am swamped with letters from ASC. The usual is may payment or foreclosure is next. I a get telephone call, anommated phone calls. All day long I am harassed by them. My credit is destroyed. My social security number no longer matches my mortgage loan, my electric bill. The Social Security Administration told me that the routing number on my checking account is now different than the one that I gave them some time ago. I ca n't find my deed online or in the downtown office. I have isolated myself because America 's Servicing Company is all I can deal with in a run of the day. I have to turn off my telephone just so I can get peace. That means I am missing doctors appointments, never talking to my children, grandchildren, family and friends. I havve n't had a decent nights sleep worrying about my slipping up somewhere so they can take my house. I am always nervous and jumpy. I feel like a child being bullied by a bunch of other children, and finally hopeless XXXX. Now they are sending me to XXXX for the final act and hopefully victory of putting me on the street. In XXXX, ASC told XXXX XXXX that I had abandoned my home and my homeowners insurance was cancelled. ASC claimed I was months behind in my mortgage. I found a vacate sign on my front door. I as in the hospital at the time. I want my house, life, credit, happiness, friends and family back. XXXX XXXX is the Executive Mortgage Specialist at Wells Fargo , NA. From XX/XX/XXXX until present, she and her underlings Preservationist, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, have worked steadily together to destroy my HAMP Loan. In XX/XX/XXXX, I made fifteen mortgage payments, same for XX/XX/XXXX, and XX/XX/XXXX. For XX/XX/XXXX payment, I have some history and receipts. But I have been faithful in my payments. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, MA XXXX Home ( XXXX ) XXXX Cell ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Something else, I see XXXX in the my Loan Activity mortgage account that ASC will shut down soon as I am moved out.

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