Consumer complaint received 2016-05-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Not all homeowners are bad people. 
For what it 's worth, I would like to believe, whenever a family goes forward to a bank to request a home loan to purchase a home, I do n't believe anyone has the ill intentions to stiff the banks or investors of their money. 
As honest, hard-working home owners, both my mother and I purchased our home via a loan from Wells Fargo XXXX years ago. As luck would have it, down through the 13 years, as a government contractor I have lost my job contract 3 times and my mother got sick un-expectantly and ended up in the XXXX XXXX long term for five years ; which cause me to request XXXX loan modifications in XX/XX/XXXX and XX/XX/XXXX. 
Bad things happen to good people. Here is a list of chronological events of what have occurred to me from XXXX to present, as I have tried to work with Wells Fargo to keep my home : I have lost my job as a XXXX on XXXX XXXX, XXXX. I have worked XXXX XXXX and XXXX jobs from XX/XX/XXXX to XX/XX/XXXX. I have keep Wells Fargo in the loop of my situation. For the record, as of the date of this letter, I am currently unemployed. My government contract ended on XXXX XXXX, XXXX. I am currently looking for work. 
On XX/XX/XXXX Wells Fargo has sent me a letter stating " payment help was available to me '' via a Repayment Plan, Loan Modification, Short Sale or Deed in lieu of foreclosure ( which allows the homeowner to voluntarily transfer ownership of the home to the mortgage servicer ). 
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo placed me in their hardship program. 
When I finally got a full time job, from XX/XX/XXXX to XX/XX/XXXX I have applied for loan modifications with Wells Fargo. All of my loan modification requests has been denied. I was told my salary was too low to stay in my home ; according to my debt to income ratio. For the record I was making {$7.00} an hour less than what I was earning in my last contracting job. 
In XXXX, I requested Wells Fargo to allow me to do a short sale on my property instead of doing a foreclosure. Wells Fargo acknowledged my request for a short sale via a letter on XX/XX/XXXX. However, Wells Fargo choose to ignore my request and foreclose on my home. 
In or around XXXX XXXX Wells Fargo sold my loan to XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX XXXX XXXX. XXXX, Trustee for Wells Fargo foreclosed on my home ; via Deed in lieu of foreclosure ; which I NEVER volunteered or agreed to either verbally or in writing. 
On XXXX XXXX, XXXX Wells Fargo paid someone to break into my home and changed the locks on my door while my home is currently occupied ; because they assumed my home was vacant. 
On XXXX XXXX, XXXX XXXX XXXX took over my loan completely. 
On XXXX XXXX, XXXX XXXX XXXX sent an inspector ; who entered into my home with keys while I was home sleeping ; with the changed keys from Wells Fargo. Thank God my alarm woke me up in time to stop him from entering through my front door! 
On XXXX XXXX, XXXX I immediately changed my locks, because both Wells Fargo and XXXX XXXX told me I no longer own my home and they are entitled to come into my home " when the feel like it. '' On XXXX XXXX, XXXX I filed for bankruptcy in good faith. 
On XXXX XXXX, XXXX XXXX XXXX has sent me a letter offering me help to avoid foreclosure via a repayment plan, Temporary Forbearance Plan or a Loan Modification. 
On XXXX XXXX, XXXX the trustee has requested the bankruptcy judge to give the XXXX motion for relief from automatic stay from my property I conclusion, I can not help feel like Wells Fargo has not treated me fairly in my situation. I felt bulled, harassed and ignored from my Wells Fargo bank who have on numerous occasions denied me the help I have requested via their written promises to help a homeowner to avoid foreclosure from XX/XX/XXXX to XX/XX/XXXX.

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