Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to sell my home through a short sale and have had a horrible time in working with Wells Fargo. For the last four weeks I 've been given the runaround by what appears to be purposeful incompetence. I have had to extend my short sale XXXX different times in hopes that I can come to a resolution. 

I have a 80/20 loan with XXXX holding the 80 % and Wells Fargo the 20 %. Back in XX/XX/XXXX I filed bankruptcy as a result of Wells Fargo attempting to garnish my wages. 

I just recently put my home up for short sale in XX/XX/XXXX and found a buyer to purchase by home on XX/XX/XXXX. Since going through this process I learned that Wells Fargo had filed both a lien and judgment against me. I have gotten short sale approval from XXXX as well as negotiated my homeowners association fees. XXXX has agreed to explore loss mitigation options through a short sale instead of the foreclosure. When XXXX filed foreclosure proceedings Wells Fargo was listed as the third-party in the case. 

Upon initial contact with Wells Fargo they appeared to be in agreement with the short sale as they agreed to the monies offered by XXXX. On XXXX XXXX they agreed to release the lien and sent the necessary documents to the County Office to have it removed. It was discovered that the lien should 've never been filed by them in the first place as they had no rights to the property. They also filed a judgment which should have been take off when I filed bankruptcy. Since that time however they have failed to remove the judgment to clear the title. XXXX XXXX in Liquidation Services with Wells Fargo ( at XXXX ext. XXXX ) has refused to return any of my phone calls or the Real Estate Agents phone calls after more than XXXX attempts as he was the one that had been assigned to work my case. As a result, I have made several phone calls to Wells Fargo 's Liquidation and Bankruptcy Department in an attempt to reach anyone to resolve the situation. I have been given the runaround and have been kept on hold for hours and hours at a time only to be told that someone will return my call. My real estate agent has also tried to call, and unfortunately have been given the same treatment. Lengthly hold times, explaining and re-explaining what needs done, and transferred calls from department to department. 

At this point this is the only issue that is tying up my sale. If Wells Fargo refuses to remove the judgment, for which they can not collect due to bankruptcy protection laws, I will be forced to foreclose and go through a sheriff sale. I believe Wells Fargo is intentionally setting my property up have to foreclose when they are in the XXXX position and will ultimately not benefit from a sheriff sale. Through this deal, XXXX has agreed to pay {$6000.00} toward their loan. 

I am trying to do the right thing by leaving my property with dignity. I have kept all utilities on and kept the outside groomed. It is in my opinion that Wells Fargo is intentionally trying to sabotage this deal by avoiding my call and not remove the judgement for something they can never collect from me. 

I feel that Wells Fargo is profiting off of forecloses as evidenced by recent civil judgment filed by the US Supreme Court and continues to practice discriminatory and unscrupulous practices. 

Can someone please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX to help me resolve this issue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation