Consumer complaint received 2015-03-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Subject : Wells Fargo has denied homeowner for request for modification on the XXXX mortgage : while homeowner is qualified. Homeowner has provided all required documents to Wells Fargo XXXX previous times, only to be denied. Wells Fargo has commenced double tracking while homeowner was acting in good faith under the XXXX XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 


Wells Fargo is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that their case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned. 
3. Wells Fargo has help the homeowner in extended process in bad faith for 24 months from XXXX to XX/XX/XXXX. 
4. On the most recent XXXX application : all requested documents were provided to Wells Fargo and denied, reason given that homeowner can afford the XXXX mortgage. 
5. Homeowner is currently 4 months behind on the XXXX mortgage. Homeowner is claiming reverse mortgage discrimination in the following : A ) wrongfully advised about HAMP rights, orB ) documents were submitted, but could not locate the lost documents, orC ) resubmit documents, orD ) Wells Fargo stating will begin foreclosure, date is pending, and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowner. 
6. Wells Fargo started a double tracking procedure with the XXXX mortgage on or about XX/XX/XXXX. 
7. Homeowner has asked for basis of denial report, to date Wells Fargo has not provided the basis for the denial. This is a violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 
9. As of this filing date of XX/XX/XXXX, Wells Fargo has not advised or confirmation that the foreclosure date of sale is set or on hold. 
10. Homeowner is in a state of fear created by the collection tactics by Wells Fargo and the Loss Mitigation Department overloading agents with over XXXX cases per agent : statement made on recording by Wells Fargo agent ). 
11. Wells Fargo has the XXXX and XXXX mortgages. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Wells Fargo processing agents with a case work load of XXXX cases as per agents statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. 
Alleged violations, included, but are not limited to, the following : a ) failing to perform proper loan modification processing ; b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners

Company response to consumer: Closed with explanation