Consumer complaint received 2017-12-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good day. I am writing this letter to make a serious complaint about Wells Fargo XXXX XXXX and XXXX. In XXXX I purchased a home located in XXXX, NY with a loan from XXXX XXXX. In XXXX I refinanced my mortgage agreement and continued to make my payments on time. Around XXXX XXXX I started receiving mortgage statements from a company called American Servicing Company ( ASC ). ASC sent me a letter in XXXX informing me of my new monthly payments which will be {$3200.00} up from the {$1700.00} Ive been paying on time. The following month I sent ASC {$2500.00} in hopes I would be able to get the remaining {$700.00} at a later time. ASC refused my payment than hit me with late fees on top of the {$3200.00} that I was randomly liable to pay. The following month was the same thing ASC would not accept any partial payments and continued charging late fees. In XXXX XXXX XXXX XXXX started a foreclosure process in XXXX County Supreme Court with index number XXXX. While doing a search of documents filed with XXXX XXXX XXXX Department of Finance Office of the City Register I noticed that The SECRETARY OF HOUSING AND URBAN DEVELOPMENT purchased the debt and assigned the mortgage and note to XXXX XXXX, XXXX which was registered with XXXX XXXX XXXX Department of Finance Office of the City Register on XXXX/XXXX/XXXX. I also noticed that XXXX bank filed an assignment of mortgage stating that XXXX XXXX  assigned a mortgage to them when in fact XXXX XXXX already assigned the mortgaged and note to HUD. According to XXXX XXXX XXXX Department of Finance Office of the City Register the last entity to be assigned with my mortgage is XXXX XXXX, XXXX. During the foreclosure process XXXX XXXX became the persons foreclosing on the property and was given a default judgment because I failed to appear at a motion hearing that I was never notified of. I have never been notified by any lender that a auction sale date was upcoming. The only way Im being notified is when the investors and people who claim they are trying to help me save my house notify me that a Sale date is pending. I filed bankruptcy pro se in a last attempt to have my house go to auction. During the bankruptcy WElls Fargo is now claiming to own the mortgage. Ive called Wells Fargo numerous times without being given an explanation on how they were assigned my mortgage. Ive explored lost mitigation options and loan modification options however Wells Fargo has been unwilling to negotiate. When I do ask Wells Fargo customer service questions they inform me I will have to speak with XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same law firm thats represented XXXX XXXX XXXX and Wells Fargo during my foreclosure process. During this process Ive spent large amounts of money on lawyers and been scammed out of large amounts on two different occasions by lawyers and companies claiming to help. Im currently on my 4th lawyer on the case however this process has been going on for 10years now. The amount of fear, stress and all other forms mental anguish this has been causing me is deteriorating. I feel like Ive exhausted every other possible resource in trying to save my home. I am please sincerely asking for your assistance. Thank you.

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