Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo have denied me any legitimate assistance on my mortgage in nearly 8 yrs. My mortgage was assumed by Wells fargo right before the big mortgage crisis of XX/XX/XXXX. But since this was my first home and well below what I could afford, I had know worries about my ability in making my monthly payments. So in XX/XX/XXXXwhen wells fargo advised me of payments not being applied to my mortgage I was devastated. At that I had been in this House for nearly 10 years with no problems but now Wells Fargo missing payments and a booming mortgage crisis. I wanted an investigation into what had happen to nearly 7000.00 dollars worth of payments Wells Fargo had received on my behalf but now could not account for. After sending proof of payments and waiting for a response into what may have happened to missing payments. Nearly a year later never stopped making my monthly payments, on a gloomy XXXX Holiday break in XX/XX/XXXX Wells Fargo sends a notary to my home staing they no nothing of any investigation about any missing money but they have a modification that I must sign or within the next couple of months begin renting this same home I have been in now for more than 10 yrs and not missed any payments from HUD on a month to moth basis. Now this was something I really did not want to except, knowing that if I had made my payments then surely they will find them and correct this mistake. Needless to say that was not the plan Wells Fargo Had for Me. Wells Fargo stripped all equitty from mortgage adding mis applied payments in which I had already paid once, foreclosure fees, attorney fees, inspection fees, etc increasing my mortgage balance in excess of 20,000 and even until today thay have me stuck in what you call a interest only loan in which I can refinance out but I am now setting with higher principle balance than I had 11years ago. I tried XXXX, HOPE, and various other agencies for assistance. But None could help me ( 1 ). I could always afford my home ( 2 ). Wells Fargo was able to slander my credit profile to where refinancing to another lender was nearly impossible.I sacrificed and paid it all back knowing that I did not owe this money and should not have to pay for others mistakes. I paid all fees they ever said I had owed them, while keeping my children in Colleges they chose to attend, helping my wife finish her XXXX degree, and finishing college myself. Wells Fargo still refuse to rectify all the damage they have done to my family. No only, but to also include that DOJ itself where doing their own investigation of the Branch of Wells Fargo office in XXXX XXXX SC XXXX XXXX which serviced my loan between XX/XX/XXXX-XX/XX/XXXX " Wells Fargo Bank Foreclosure and Claim Process memorandum No XXXX ''. 
Thus meaning at the same time while negotiating with the Dept of justice for violating the false claims Act..Parts Of my modification loan are consistant with the Dept of Justices finding for example quoted text " Affidavit signers informed upper management they could not handle the workload. Wells Fargo management did not correct the problem and instead in a XX/XX/XXXX email reduce the time frame for processing affidavits from 5-7 days to 24-48 hours '' stated by the Department of Justice Report * This is the exact time that the page 2 of my mortgage modification agreement doc where forged complete with false affidavit signature and all allowing wells fargo to alter what ever they wanted during or after the modification..

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