Consumer complaint received 2016-03-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Since CFPB has no way to communicate on a complaint in process, this message is an update on my ongoing complaint and a request that WF stop lying and follow through. 
I received a message re the complaint below that WF has been unable to contact me. In fact, they have made no effort to reach me at all. I have received no phone messages or emails regarding this case. The only mailed document is a letter saying that they are working on it and will get back to me. This is a clear pattern and has happened on previous complaints. 
Please ask them to email or call and LEAVE A MESSAGE WITH THE EXECUTIVE OFFICE CONTACT. 

Case number : XXXX Back Status In progress Response We have been unable to establish contact with XXXX XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX XXXX 's equity loan concerning payment assistance. 

What happened Describe what happened so we can understand the issue ... 

I am about to lose my house due to Wells Fargo 's XXXX scam. XX/XX/XXXX Wells Fargo forced any buyer they could without XXXX % down payment into double mortgages with the XXXX mortgage at a very high interest rate, then refused to refinance them. XXXX homeowners were victims of this scam. I was forced into one of these mortgages in XX/XX/XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XX/XX/XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had XXXX income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over XXXX % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation.

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