Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan # XXXX XXXX XXXXXXXX To whom this may concern, I 'm writing this letter to state how uncomfortable I am with not only the recent correspondence with Wells Fargo but the foreclosure on my home. I 'm just having a hard time understanding some of the actions and if at all it was legal. I bought the property at XXXX XXXX XXXX XXXX Rhode Island in XXXX XXXX, right after my divorce so this was my home, this was my children 's home. I was diagnosed with XXXX and was forced to go out on XXXX. I fell behind on payments and turned to XXXX Program of Rhode Island to help me get back on track. Once the funds had run out I began paying mortgage again and I struggled with payment. I had a tenant that never paid rent and her and her children destroyed the apartment. So besides having a major health issues, losing my job, and a destructive tenant not paying rent, the house began to fall apart. The roof that was supposed to be brand new when I bought the house was losing shingles to the neighborhood every time there was a storm. The roof leaked into XXXX of the bedrooms and destroyed the walls. The fence blew down with last major storm. Any money I did have I used to repair things. My son used money he did n't have to repair the roof twice, he replaced hot water heater for both floors. The tenant had utilities in my son 's name. I was drowning in bills and the house I fell in love with was becoming a wreck. I applied for a modification and thought I was going to get back on my feet and that did n't happen. I never received any documentation or notification from Wells Fargo after not following through with modification. I do n't know if this was because the first floor tenant was stealing my mail but I was n't getting anything. It was n't until she moved out did I get a notice stating house was being auctioned XXXX XXXX, XXXX. My sons and I went to Texas for vacation, I needed to get away. When we returned the previous owner had removed our belongings and stated he put them in storage. He said he was the new owner and told my son he was trespassing and he would call the police if he did n't leave. I 'm not a lawyer but I 'm sure there are some legal issues here. I called Wells Fargo every day for a week starting XXXX XXXX and every rep I spoke to told me something different. XXXX said the deed was still in my name and I needed to prove I lived there because that 's what 's stipulated in FHA loan. She said she would make notes on the account and I needed to send her copies of utilities in my name with the address of house. This was n't a problem because at this time my son and I are occupying the property on both floors and all utilities are on in the house. However I did n't trust that because it just did n't make sense. I called back and surprisingly enough I get another rep named XXXX. This time XXXX tells me house has been sold in foreclosure XXXX XXXX, XXXX and I need to speak with somebody in legal department. Meanwhile my son XXXX is calling Wells Fargo and he is getting different stories as well. I spoke with somebody in legal department, I spoke with someone in foreclosure department, I spoke with somebody in real estate department and everybody has told me something different. Finally the last rep my son and I spoke to told us to write a letter and send it to legal department for review. I would like to know what to do to keep the house. We will definitely take legal action against the previous owner. However I 'm also speaking to a lawyer in regards to how this whole process was handled. Now Wells Fargo is sending documentation on Rhode Island tenant laws. I was n't a tenant I owned the property and was illegally moved out of the property by previous owner, my belongings gone and locks changed. Now that I 'm back in the house every day another notice is being slipped

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