Consumer complaint received 2017-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. XX/XX/XXXX- I called Wells fargo to see why they returned my full mortgage payment. This is when I learned on XX/XX/XXXX, Wells fargo placed me in active foreclosure. 
1a.I did not receive an acceleration letter or some kind of letter saying pay this much or we will foreclosure on you. 
1b. XX/XX/XXXX, I made a full Mortgage payment which Wells Fargo accepted. Thus they moved me from pre-foreclosure not active foreclose 27 days after I made a full payment. 
2. XX/XX/XXXX Wells Fargo returned the full mortgage payment I made the day before, via on line bill pay. I have been using this system for maybe 9 months. 
2a. Wells Fargo has a history of not accepting full mortgage payments at their branch locations and locking customers out of their webpages were you can make an on-line payment. 
3.Since our phone conversation on XX/XX/XXXX, Wells Fargo and I have had many more phone conversations. On one of those I learned Wells Fargo sent me an acceleration letter XX/XX/XXXX. I responded to such a letter and did paid that amount that Wells Fargo wanted me to do. Thus I thought that letter was null and void. Plus that letter was nine months old on XX/XX/XXXX at the time wells Fargo moved me from pre- foreclosure to active foreclosure. 
4. Both XX/XX/XXXX and XX/XX/XXXX Wells Fargo placed letter on my door asking me to call them, which I did. Wells Fargo refused to talk with me! They claimed I sent something that forbids Wells Fargo from talking to me. That is a lie! Yes I did hire a lawyer to help me get a repayment plan. I understood that letter, stated the lawyer would work for me for 90 days and Wells fargo was suppose to also talk with me. Not leave notes asking me to call and then refusing to talk with me! I asked Wells Fargo to send me a copy of that letter that says they can not talk to me. Of course they did not, because one does not exist. This ninety day period I am talking about was over months ago, but even if it were current, Wells Fargo is still suppose to talk with me! 
5. A 13 month History of my payments, which Wells Fargo actually accepted. 
XX/XX/XXXX : a full payment ( Remember they moved me without warning to active foreclosure just 27 days later on XX/XX/XXXX. ) XX/XX/XXXX : a full payment XX/XX/XXXX : my payment via online checking did not go through because I did not have enough funds in my bank. 
XX/XX/XXXX : a full payment XX/XX/XXXX : a full payment XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : I see no record of any payments being made. Maybe I did not make them, maybe they were made and Wells Fargo rejected them. That happens a lot! 
XX/XX/XXXX : a full payment was made XX/XX/XXXX : a payment for the approximate amount of 1.75 % of a payment was made. 
XX/XX/XXXX a payment for the approximate amount of 1.33 % of a payment was made. 
XX/XX/XXXX : a full payment was made. 
In closing I would like to say yes I am behind on my mortgage, however I did not receive current warning wells fargo was going to place me in active foreclosure, they placed me in active foreclosure just 27 days after a full payment, they have a history of not talking to me when I call regarding notes they placed on my door, and they frequently reject payments I make. I feel they are setting me up for failure. They sure do not work with me! 
6. Probably 1.5 years ago I was on repayment plan. I called wells Fargo to make a payment, they said pay this much. So I did and they kicked me out of the repayment plan, claiming my payment was not large enough. This company has a history of giving lots of wrong information. Shortly after they purchased Wachovia I found written letters on their letterhead had that had contradicting information. 

PLEASE HELP! 
I NEED TO 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