Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX8 years agoXXXX I purchased a house XXXX7 years ago until present dayXXXX -we had a lot of IRS issues/frozen accounts and our son was constantly in the hospital. 
-My husband retained a lawyer to have our loan modified ( it was a time when few people knew you could do it on your own! ) The lawyer instructed us to STOP paying our loan provider BUT ran off with our Monday and never got the loan modified. In fact, he told our loan provider that we never retained him!!! 
-I was FINALLY informed that I could modify the loan w/o a lawyer. The bank refused to take our payments but then refused to modify the loan. It took me over 6 months and a complaint to the CFPB to get them to even look at my loan. 
-By this point we were at least 8 months behind on the mortgage. They REFUSED to take our money but ALSO REFUSED to look at our loan or modify it. 
-Our loan was modified but then put on ANOTHER HOLD b/c the state put a lein on our home over back taxes ( this has been 150 % fixed and was an genuine not a clue mistake that cost us thousands of dollars ) -We got that taken care of and only then did the bank modify our loan. 

XXXXTHAT 'S OVER {$42000.00} WELLS FARGO COST US !!! IF THEY HAD TAKEN OUR MONEY WHILE WE WERE FIGURING EVERYTHING ELSE OUT ... NONE OF THIS WOULD HAVE EVER SPIRALED THIS OUT OF CONTROL! XXXX BEFORE MODIFICATION-Mortgage balance $ XXXX {$10000.00} away from removing PMI! 
AFTER MODIFICATION-Mortgage balance $ XXXX {$59000.00} tacked onto the back of our mortgage because WELLS FARGO would n't take our payments!!!!!!!!!!! 

Due to the issue our PMI did n't go away, it increased to over {$300.00} a month. ALL money we NEVER WOULD HAVE HAD TO PAY IF THE FINANCIAL INSTITUTE TOOK OUR MONEY DURING THE MODIFICATION PROCESS!!!!!!!!! Thats ANOTHER {$18000.00}! 
NOW!!! 
I 'm not on the loan so I ca n't speak with Wells Fargo without XXXX 's permission. HOWEVER, XXXX power or attorneys are sent over, but DISAPPEAR!!! They kept losing the power of attorney so I kept having to start from scratch to speak with someone -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -BUT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I 'm not on the loan but b/c I 'm married to the lien holder I was included in the foreclosure suit & my credit was ruined Our son got sick again a couple of years back. Its EXPENSIVE to have a chronically ill child. I was fired from XXXX XXXX, XXXX, XXXX, the XXXX AND a XXXX b/c I was missing too much work when my son was in the hospital. 

BUT I could n't get XXXX or medicare, no assistance b/c my husband made too much. My husband may make too much for a HEALTHY family of XXXX but he sure as XXXX does n't make enough money for a family of XXXX WITH A CHRONICALLY ILL CHILD WHOSE MEDICAL EXPENSES ONLY INCREASE WITH AGE!!!!!!!!! 

So, we fell behind AGAIN! I checked out at this point. NOBODY was willing to help us. We were literally turned down EVERY way we turned. Just recently I reached out the the XXXX of NJ. I asked for assistance b/c we were at risk of losing our home. We were told we MAKE TOO MUCH MONEY!!! 

I need help on so many levels but for now I need help with Wells Fargo. I do n't want my children to face the embarrassment of losing their home! We have poured so much money into these last six months. We 've given it all we have and we 're getting nothing. We 're worse off than we were. Because of all of this nonsense with Wells Fargo and the bankruptcy, we 're at more risk of losing our home, now more than ever.

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