Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of how Wells Fargo continues to falsely make statements, in writing BUT end up making statements that proves they are lying. XXXX case # XXXX 1. The paperwork you included is dated XX/XX/XXXX. With this document, my payment actually increased from {$2100.00} to XXXX. I am at a loss as to how your increasing my monthly payment was to benefit me. So, is XXXX inclusion of this paperwork a sign that they were trying to help or HURT me by eventually Foreclosing on my house. 
2. From the very beginning of the Complaint, I filed with the CPFB, I have and still am adamant that XXXX continued to change the paperwork which caused me to have to re- start another Modification Trial Period. In fact, per XXXX own document ( Streamlined Modification Program ), XXXX stated that I needed to make the 3 Monthly payments, on time, and as stated in their own paperwork, I not only made the 3 payments in XXXX, XXXX, XXXX BUT I started paying the same amount a month earlier, in XXXX. So, I see this as another example of my making payments to a previous Modification Plan which, to my recollection, coincides with my firmly stating that XXXX continued to change the program and have me start the Trial Period all over again. Basically, and as per XXXX own language in the Agreement, I succeeded in the Trial Program BUT, was not given the paperwork for several months. XXXX stated that the delay was based on an internal Delay. Again, this was all part of the process to Foreclose on my house. 
3. XXXX stated on the 1st denial of my complaint ( dated XX/XX/XXXX ) XXXX had no idea why I was sent a check in XXXX for {$7000.00}. However, with this current denial ( dated XX/XX/XXXX ), XXXX NOW found paperwork that stated the check that was sent was not for XXXX but rather {$8200.00} and this time ( when check was mailed in XXXX ), XXXX admitted that it was for monies that I had paid during one of the many successful modifications I made. Also, in this same correspondence ( XX/XX/XXXX ) XXXX stated that I was offered another Modification in XXXX of XXXX BUT I did not see where XXXX included this paperwork so all I can think of is : if you take the XXXX and divide it by 5 months, then it reflects another trial period that I successfully completed OR, perhaps this was the money I paid on a previous Modification so to counter XXXX saying I did not make XXXX payments, it appears that I not only made the XXXX payments BUT also the remaining payments yet I never was approved for the Modification Plan and XXXX STILL Foreclosed on me. So, now in XXXX, although wells continue to say they have no records as to why the check was sent, the check that you sent in XXXX, clearly states they were refunding my payments. So I assume the reason they included in the check mailed in XXXX is accurate. I mean the letter mailed and included clearly states it is a refund of my check. Yet, even now, they continue to deny this payment. So once they start a false statement, they lie more to cover it up. XXXX 4. Yes, I asked about lowering my principle which you would not discuss. So why are you or anyone shocked that I tried to short sale. Its quite evident you ( XXXX ) never intended to approve my Modification. 
This is so frustrating that, even in their own paperwork, it clearly states how they refused to Modify my Loan when I made all of the payments. How many times do I need to File for them to admit their totally abusing me personally. I would hope that CFPB looks at my Files and all the others Customers as XXXX continue to lie, lie, lie. What is ironic is that while they are lying, they end up providing documentation that counters the lies they are making..

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