Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are writing to file a complaint against Wells Fargo Home Mortgage company regarding the loss of XXXX short sale offers on our home and for forcing us in to taking house off the market. 
On XXXX XXXX, XXXX our real estate agent along with our attorney filed an offer with Wells Fargo on our property XXXX XXXX XXXX XXXX. XXXX, CT XXXX. 
After going through the required procedures on XXXX XXXX Wells Fargo notified our Attorney stating that the given offer did not meet there minimum requirements of {$240000.00} ( please see attached letter stating such. ) the offer submitted was for {$270000.00} ( see attached offer ) after all the fee 's, the offer exceeded their expectations by {$510.00}. Our Attorney at least once a week contacted Wells Fargo to get some clarification on this with no success, nobody could give us an answer. 
On XXXX XXXX ( 2 months later ) our attorney called yet again to try and get an answer, this is where we found out that ( Wells Fargo ) XXXX in the liquidations Dept. stated that as of XXXX XXXX the system showed that the file was removed from the short sale review and no reason was listed, our attorney than left messages with a XXXX XXXX ( preservation specialist assigned to our case ) and XXXX XXXX ( XXXX 's supervisor ) and received no response. On XXXX XXXX they were able to speak to a XXXX who stated that our account became active in the short sale review on XXXX/XXXX/XXXX and gave our attorney a list of requested documents needed. 
Wells Fargo CLOSED the original short sale request after 6 months with NO notification and NO reason and then REOPENED it! at which point we were required to start all over from the beginning!! Needless to say the potential buyers backed out because of the banks negligence. We are truly disgusted and appalled that a business can be run this way. 
On XXXX XXXX, another offer ( see attached ) had been submitted for a little bit more money than the first offer, which means the requirements are again EXCEEDING the banks exceptions by even more. On XXXX XXXX, XXXX we received notification from Wells Fargo that they have accepted the current offer but changes the closing cost credit from {$6000.00} to {$2700.00}, needless to say the couple that put the offer in did n't like that and they backed out. 
At this point we filed for a Deed in Lieu of Foreclosure as Wells Fargo denied us because they stated the house was not maintained. We moved south in XXXX XXXX, we had people maintaining the house. XXXX XXXX we had someone go to property to winterize the home, this is when we found out that someone had seized the home and changed the locks. We along with Congressman XXXX office in Connecticut contacted Wells Fargo right away, Wells Fargo is stating they did not seize our house, we know that Wells Fargo hires 3 party companies to this for them so not only where we not able to maintain the house we had to take it off the market because our real estate agent could access the house for showings. As of today still no keys.

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