Consumer complaint received 2016-08-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, I contacted Wells Fargo requesting for a loan modification. XXXX at that time told me that I could not do a loan modification because I was not behind on my payments. I explained that I was assaulted by my boss, going on medical leave and did not know when XXXX would begin paying me. He told me that Well Fargo would not assist me until I was 3 months behind. In XXXX XXXX, I called and spoke with XXXX again, this time XXXX called me a liar, stated that he never told me that or had a conversation with me stating the aforementioned. I hung up the phone and called back, Then a female spoke with me and stated that I had to be deficient 6 months in qualify for a loan modification.. After 1 year of unsuccessful attempts trying to get assistance from well Fargo to prevent being behind. XXXX XXXX, I was served with documents to appear in foreclosure court. I have done everything that Wells Fargo has instructed me to do and they refused to take my money and I am in foreclosure court. Well Fargo will not provide me with any written documents indicating that they have received the requested documents from me. Judge XXXX XXXX has told me that Wells Fargo must provide me with a written document indicating that we are in communication and that they have received the documents. The Attorney for Wells Fargo stated that I am lying, he was on the phone with Wells Fargo Friday XXXX XXXX and Wells Fargo stated that I have never submitted any documents requesting a loan modification. I have until Friday XXXX XXXX, XXXX to submit the document to Judge XXXX XXXX. 
Next, I received letters from XXXX XXXX requesting that I contact her regarding my loan. For one year I made several attempts to contact XXXX XXXX via telephone. When the Wells Fargo representative answered the phone, I requested to speak with her, I was told each time that there is not XXXX XXXX working for Wells Fargo. I explained that she was my home preservationsist and that I have in my possession letters from her to contact her. Again, Wells Fargo stated XXXX XXXX does not work for Wells Fargo, Then they would transfer me to the home preservation department and they would tell me the same. When XXXX XXXX would call me I explained the aforementioned to her. I submitted all of the documents to her per her request. I was denied the loan modification. 

I had home owners insurance from Wells Fargo and was dropped because the representative in the insurance department stated that I lied that my roof is flat and that they do not insure homes with flat roofs. I explained that my roof is pitched not flat. The female told me again that I was a lie they have pictures of my house. I asked could I submit pictures of my home because I believe that they went to the incorrrect home. I was told not my insurance was cancelled. 

I was assigned a new home preservationist in XXXX and have spoken with her only once. thus far. I have been working with XXXX ( XXXX XXXX ) to assist me with the problem with Wells Fargo. He faxed the requested document twice. It was verified that the documents were received. XXXX XXXX and XXXX, Wells Fargo indicated that they did not receive the documents. 
Next, I have faxed the request documents to Wells Fargo, followed up with a phone call to verify that the documents were received. After being told that the documents were received, I received phone calls that the documents were not received. I called to verify again, and was told that the document were missing. Today, I received a phone call from XXXX stating again that they do not have the profit and loss for XXXX for each business or bank statements. These document have been faxed 5 times. 

This have been ongoing since XXXX XXXX.

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