Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing another complaint against Wells Fargo. This is complaint # 4. I do n't understand why Wells Fargo is trying to waste my time when I am merely trying to save my home. I have asked you to provide confirmation on who actually was the investor of this property. I have been told the FHA was the investor. Then, I was told Wells Fargo was the investor.This went on for 5 years. Now, XX/XX/XXXX, Wells Fargo 's lastadmission was that XXXX was the investor. Can you please stop wasting my time and give me an answer that is not full of lies? 
You may want to know why this is so important to me. The answer is simple. 1. ) I had an FHA loan. 2. ) I paid for mortgage insurance. 3. ) I should have been able to use FHA money through their Partial Claims. 4. ) The LENDER ( or investor ) has to initiate the partial claims paperwork. 
Wells Fargo REFUSED to initiate the paperwork stating that they were not the lender. That was a lie. Had Wells Fargo not lied to me, and filled out the paperwork for Partial Claims, this foreclosure would have been stopped. Now, they are saying I never submitted the paperwork needed. WHAT?????? Lie after lie, after lie. 
My last point of contact for Wells Fargo was XXXX XXXX. After I read XXXX ' answers to my questions, I thought I was on the show " XXXX. '' I could not believe the ridiculous answers I received. I submitted paperwork that contradicts everything in your answers.After contacting Wells Fargo and asking to speak to a supervisor, I was given another point of contact named XXXX XXXX. At first, he seemed very concerned with my issues and stated that he was going to do every thing he can to get to the bottom of this. I wanted to speak to XXXX again but, for some reason, he is never in the office and after leaving several messages on HIS PERSONAL VOICEMAIL, I have yet to hear from him. 
Now XXXX told me that if there were any improprieties, Wells Fargo would do what they could to resolve my issues and work with me to get my home back. He sounded so sincere that I actually believed him. Thank goodness my common sense told me to become a member of auction.com and to add this address to my saved list. So, I was a little upset when I received an email from XXXX that this property was available to bid on. Auction starts XX/XX/XXXXand is overXX/XX/XXXX. Starting bid is {$2500.00}. When I called XXXXon XXXX/XXXX/XXXX, to discuss this, his whole attitude changed and he stated that he NEVER said Wells Fargo would reverse anything. Then, after telling him I have the whole conversation on tape, he stated that he could no longer talk to me if I was recording him. The first thing you 're told when you call Wells Fargo, is that you are on a recorded line.What 's the differencebetween YOUR recordedconversation or mine? Maybe they want to edit their tapes later but ca n't if there 's another recording out there. Makes you wonder. 
So my question is, how are you looking for improprieties which could reverse this foreclosure and at the same time, put this property on the auction block? I do n't know if the " dual tracking '' laws would pertain to this but lets see what the OCC, CFBP, and THE Federal Trade Commission think about it. Remember, I have EVERY conversation recorded, just like you. Before you answer, you may want to go back and listen to your own recorded messages. 
Please stop the auction until you finish your investigation. I 'm trying to get my home back and it appears that you, Wells Fargo is doing everything in your power to circumvent my due diligence. Also, please find my mortgage modification packet from XXXX/XXXX/XXXX. That would be the packet submitted in court and handed to your Attorney, XXXX XXXX. This would be your first impropriety.

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