Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am reopening a case with the CFPB Complaint Number XXXX, I believe the CFPB did absolutely nothing with the information I provided on the above case. Wells Fargo did not provide proper notice of a foreclosure sale date back in XXXX XXXX, and WFHM and it 's Trustee committed mail fraud, by placing labels over the certified mail receipts. We were unaware of a foreclosure sale date until notified by an advertisement from a bankruptcy lawyer, sent to the mailing address ( WFHM knew about this mailing address for over 2 years at this time ), XXXX XXXX XXXX XXXX, Va. XXXX. I provided proof in the last case number submitted above, and I am requesting that the CFPB review those documents submitted in the above case number. I am also opening a new case effective XXXX XXXX, XXXX and submitting this to my Congresswoman 's office XXXX XXXX. WFHM unfairly denied XXXX & XXXX XXXX a loan modification once WF discovered that XXXX XXXX passed away. According to XXXX XXXX of WFHM, they immediately shut down looking at the information for a loan modification and denied the modification stating that XXXX XXXX could not afford the mortgage even though bank statements showed that XXXX XXXX paid the mortgage up until XXXX XXXX, when the payments were not made in order to provide other necessary medical treatment for XXXX XXXX. WFHM XXXX XXXX was assigned to answer an inquiry made by the Office of Congresswoman XXXX XXXX, and XXXX XXXX responded with a letter dated XXXX XXXX, XXXX continuing to deny the modifcation and also stating a foreclosure date of XXXX XXXX, XXXX, denying our request that we be given time to gather our thoughts and make an informed decision about the house XXXX & XXXX XXXX lived in for 40 years. I have since tried to contact XXXX XXXX on two occassions and she has not responded. On or about XXXX/XXXX/XXXX I was contacted by XXXX XXXX of WFHM who said she was looking into HAMP/HARP rules that allow a borrower to have 6 months after the denial of a modification to sell a property or make restitution on the arrearages. I was told I would have an answer to the inquiry ( again made by myself and Congresswoman XXXX 's office ), by XXXX XXXX, XXXX. Meanwhile, WFHM Asset Mgmt depart on XXXX/XXXX/XXXX has come out and put a " vacant or abandoned '' notice on the door of the property. I called the trustee XXXX and XXXX and spoke to an XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX who says the date of XXXX XXXX, XXXX is on hold XXXX. The house has been put on the market, but with the XXXX XXXX, XXXX letter from XXXX XXXX stating a foreclosure date of XXXX/XXXX/XXXX, the price was dropped dramatically by {$50000.00} to try and generate a quick sale, I am also complaining that because of XXXX XXXX 's letter WFHM has costs the XXXX an additional {$50000.00} which should be deducted from the principle balance of the loan. 
WFHM has acted like vultures to XXXX & XXXX XXXX offering little to no help since XXXX, XXXX. The CFPB needs to investigate WFHM, as the CFPB may remember WFHM was involved in a race/ethnicity based class action lawsuit, that XXXX & XXXX XXXX from what I remember were not able to collect on class action lawsuit or received very little in settlement. WFHM 's motive has always been to try and snatch the home from XXXX & XXXX XXXX by any means necessary, and I am strongly requesting the immediate help of CFPB to put a stop to this disparaging treatment of now XXXX XXXX, and let her grieve and sell the house without threat of foreclosure, and that WFHM reduce the principle balance by {$50000.00} due to the loss generated by the XXXX XXXX letter from XXXX XXXX XXXX representative, and waive any other late fees or attorney fees. Thank you for your time and consideration, XXXX XXXX XXXX POA and 3rd party authorized. XXXX XXXXXXXXXXXX cc : Office of Congresswoman 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