Consumer complaint received 2017-04-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
De ar Sir/Madame : Consumer Protection I woul d like to go on record regarding the unethical practices o f Wells Fargo. I h ad complained last summer, how they were taking payments and tried to foreclosure on my property in  XXXX  of  XXXX . They knew that my house had been broken into by squatters and my identity was stolen so I had to close my checking account and get  a new one. I  was in a Chapter  XXXX  Bk at the time. I called up the representative who I learned had gotten fired later. Because I wrote you and other government agencies and the help of  XXXX , the property was saved.       My chapter  XXXX  was reinstated ; and I would c all Wells and t alk to a rep and telling him/her that I would try to catch up on my back payments. There was a quite a lot of damages done to the unit. The squatters took my water heater trying to flood out my unit. I paid for the repairs out of my pocket. There were damages done to my unit in  XXXX  and I had to f ight HOA which took 2.50 years to  get the repairs done. So in order to get insurance, I had to provide proof that I was not at fought. I went to  XXXX  to find work. I am an   XXXX   XXXX    and have been performing   XXXX   XXXX   as a   XXXX   for va rious companies and law firms. I worked in  XXXX  and the person who I paid to watch my place did not do her job. Squatters moved into my place in  XXXX   XXXX  and did not leave until  XXXX . There were extensive damages done to my property. The squatters showed me a rental contract and gave me all their information so I thought they were honest people, but they were  not. They were part of a ring, but I did not know. They were very young in their 20s.      I gave them 30 days to leave my house and even gave them money for food, because I thought they were victims, but they were not. I would fly every two weeks from  XXXX  to  XXXX  and pay vendors to repair the damages. I had to stay in a hotel, because the place was not livable. I tried to make the place livable so I could work out of my home so I took a lower paying job to complete the repairs, because the vendors were not all doing a good job.      Wells Fargo  was receiving {$2100.00} for my arrearages from the court and my payments were {$930.00} and I would actually pay more usually I would pay {$1000.00}. Every time I called and I spoke to a rep and they would tell me that if you are more than 30 days delinquent, the lender could ask for the courts to lift the stay, but since Im making payments to continue and try to catch up.     I would pay extra money and I sent extra payments.  One  time, I did a payment over the phone and when I checked my account 14 days later I saw that they did not post my payment. I had a confirmation number and everything. If I had not checked my checking account I would have nonpayment account against me. I have been fighting for my rights for years, beca use Wells Fargo is  always doing some slick corrupt things. They have not changed, no matter who I talked to and Im always hopeful, but not any longer. I have tried to get modifications and they would always make some excuse. I was in the mortgage industry and I did loan modifications for various institutions and GSE and I know how it is supposed to work.     This is the last straw, I can not trust this company. While receiving payments from the trustee and me making current payments and trying to pay for my current arrearages,  Wells Fargo t old my attorney to make a payment in  XXXX  so that they would not file a relief of stay for the courts to allow them to proceed with the bankruptcy. I told her that I had already paid, but she told me to pay again and I paid over the phone. On  XXXX  the  XXXX  my attorney told me that   Wells Fargo was going to go to court and ask the courts to lift the stay. I told my attorney that Wells Fargo had lied to her and she is an attorney so what was the use. My attorney told me that she was going to try and talk to them ; meanwhile I applied for a program in Nevada to help me on my back payments.
The bottom line is that Wells att  orney had lied, because after doing some research, I learned that on  XXXX / XXXX / XXXX , Wells had already file the motion with the courts, yet when I made a payment in  XXXX , the rep told me that the lender had not filed any notice to the courts. That was a lie. I wrote a letter to the courts and told them to stop sending money for my petition payments. If the lender is going to foreclose on my condo after 13.50 years than I need the money for myself so that I can move. I was not going to pay   Wells another payment until this issue gets resolved.
I have applied to the Nevada Hardest program and my application is being processed. I do not know if I will b  e approved, but I just wanted you to know what type of company they are. Maybe if you get enough complaints than this big giant corrupted company will fall on its face. I pray that they will continue to be investigated and people will began to see that this is not a reputable company . Wells Fargo will continue to do what they do, because most people will not fight back for their rights, but I will because at one time the mortgage busi ness was a reputable business and through greed and corruption this company does what they do, because they only get a slap on the hands. The fines are minimal compare to the billions of dollars they make. My prayer is that if you can not help me ; please help others who do not have the knowledge that I have.     My resolution i s for Wells to do th e right thing, but I doubt it, because they are not trust worthy. Im sure that ever since I stood up to them durin g President Bush was leaving offic e and the collapse of the industry and a judge made them work with me, they did not like it. Im sure my file is coded : Do not help. Its only when I complain, the company tries to reach out and they will have a  n executive try to cover their tracks on paper that are trying to help me the borrower.
I have been in the mortgage industry for 30 years and perform compliance reviews, modification, underwriting, processing and origination. I know how the mortgage lender is supposed to try and work with the borrowers. They were fined by the OCC, because I was in that class action and spent thousand of dolla  rs to get {$500.00} for all the  XXXX  they cause me. I have decided that if they do not want to work with me, I can not force them, but I pray for the demise of all corruption that exist in this corporation and that it is exposed. I hope that the customers will take their business to a trust worthy company that truly care about it 's borrower's..     Please use my complaint to investigate the unfair practices of this corrupt company. I have attached documents to validate my complaint. Please help others if you can not help me.

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