Consumer complaint received 2016-06-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a 30 year mortgage for a home XXXX with Wells Fargo after we refinanced in XXXX to get out of an adjustable arm loan. My husband and are both XXXX we were XXXX and came down on orders as a Permanent Change of duty station XXXX and had to relocate upon return in XXXX. We had several renters till XXXX and the last renters abondoned the house and left it unliveable and infested with roaches .... we could not afford to pay for our family to live here and also pay a mortgage without the extra income from a renter becuse we had our XXXX child in XXXX XXXX. We decided the best way to go was a short sale so we had the house cleaned thouroughly and had an exterminator come and prepare the house for sale and got a Realator. We have had many offers come in for what wellsfargo was asking but they kept coming back with denials through the mail with no reason on why and when i would ask for why in writing was told whats on the letter is all i was entitled to knowing .... This was just the first year ... .. then the 2nd year they would actually give some explanation to the realator. It would get fixed and we would still get denied with a new different reason that was not mentioned before .... all the time this is going on I kept having a squatter breaking in the home and trashing the house ... a storm passed through ripping siding off ... and so you can guess what the 3rd reason was it was being upkept ... .. so we went and corrected the issues again .... we wouldnt be having this issue if the house would have been approved by now ... So this last request we submitted we felt like everything was finally going smooth communication was getting better and we were waiting on approval my realator gets an email from the negotiator stating she was no longer going to be working in that section anymore and that someone new would contact her in 48 hours ... No one replied to my realator she had to email several people and call people to get a new one who is making us restart the whole process over again with no denial just start because now its a new negotiator ... There is soon I will be the only source of income in to our household due to te Armys new XXXX or downsizing with the exception of unemployment and XXXX dollars my husband will recieve a month. We will be struggling with just this gousehold let alone the house XXXX. We have been trying to do whats right and sell the house versus do a forclosure or do a bankrupcty. This has a been a nightmare it has already caused me alot of stress to be in this situation but for this to drag out for 2 years and we are at block XXXX again. I REALLY NEED ASSISTANCE ... This is really unfair I feel like because we are going through a Hardship and have to use this option Wells Fargo is punishing us my family by dragging this out and not working with us and are acting with prejudice or they are just waiting for a sale date so they dont have to assist and sell this house the buyers want the house!!!!

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