Consumer complaint received 2016-02-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting you to report ASC/Wells Fargo Mortgage company, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for fraudulant consumer business practices. I have applied for a home modification with ASC/Wells Fargo Mortgage bank, ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who is being represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 through my attorney XXXX XXXX XXXX. I was working with XXXX at the law firm who spoke with a representative from ASC ( our mortgage company for Wells Fargo/XXXX, XXXX XXXX Asst etc. ) on XXXX XXXX and confirmed the documents she sent in as well as had me to send in an additional document confirming my wifes income and that the income in its entirety goes toward our monthly financial income, which was also confirmed. My home is scheduled for foreclosure on XXXX XXXX, 2016 and my efforts where in a direct attempt to modify my mortgage payment and prevent the foreclosure sale and keep my home. From XXXX XXXX to date ( XXXX XXXX ) ASC ( Wells Fargo etc. ) has made NO effort to review my home modification information and every time I contact them for answers I am given the run around by each representative. I received XXXX written document from ASC with my loan preservation specialist information of whom I have contacted but she has not responded to me. I called the lawfirm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to see if the mortgage company had contacted them regarding my modification paperwork and placed a hold on the foreclosure date and unfortunately they had not. I called the mortgage company today ( XXXX XXXX, 2016 ) and spoke with a representative from ASC and again was told a manager would contact me to discuss my issue and complaint for the lack of communication and review of my modification but again no return call has been made which is their usual practice. I was also told they reviewed our information on the XXXX XXXX, 2016 and unfortunately because of the time it was reviewed by ASC they where not able to assist us because it was in the 7 day window. This is unacceptable and totally a lack of work ethic on ASC 's part. They are required by law to review my case in the time it was sent in and to do due diligence regarding my modification application, yet there has been slack and no real effort on their part to do so. I understand my rights as a consumer and I am asking you to please contact ASC/Wells Fargo Bank etc regarding this wrongful and unlawful activity. My house is still scheduled for foreclosure tommorow XXXX XXXX, 2016 and it is because of negligence and poor business practices from ASC. I and my attorney presented the necessary documents and followed up but where not contacted back or provided any information regarding the case. I am outraged! I have a wife and a baby daughter and have made every attempt to keep my home according to the options that are available to me. I was told filing a complaint against the mortgage company would be a good effort to possibly bring about a fair resolution and that is exactly what I am doing. Please help me keep my home.

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