Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir/MadamOn XXXX XXXX XXXX after Wells Fargo sold the house located at XXXX XXXX, XXXX GA XXXX, I received this letter. 
First, from XXXX XXXX, XXXX to XXXX XXXX, XXXX, we reviewed your account XXXX times for possible payment assistance options. FHA guidelines require that you occupy the property as your primary residence. Your account didn '' t meet the guildelines since your account was not listed as your primary residence. 
My response was the bank executive customer recovery group lie. This property is listed as my primary residence. My driver license, my voter registration card, my utility bills, my car registration, my termite bound, my car insurance, and lawn care company, all have the same address. In addition, my tax return had the same address. Furthermore, I paid State tax in Georgia. The house was my primary residence. 

Second : I have submitted all requested documents for the modification and they are requesting new documents. 
The bank said that we are unable to initiate another review for available payment assistance options prior to foreclosure sale date of XXXX XXXX, XXXX, because we did not receive proof of occupancy. 
My response was the package had my XXXX Federal and State Tax returns. Also, included a copy of my driver license. If a utility bill was requested, I could have sent it tooThird : I requested that Wells Fargo rescinded the sale of XXXX XXXX, XXXX. 
Wells Fargo said that due to the outstanding items listed above, we require more time to resolve your inquiry, but will have a final resolution to you by XXXX XXXX, XXXX. 

Yesterday, XXXX XXXX, the bank representative, XXXX XXXX told me that the sale is final and she will send it in writing to my address XXXX XXXX which was the residence and the mailing address listed with Wells Fargo in the recorded conversation. 
I disagree vehemently with the bank action. As you can verify in their own letter they did not initiate a review of the XXXX completed Federal application submitted on XXXX XXXX, Moreover, they did not review the internal Wells Fargo own application for assistance. Their own appeal form which authorized the customer right to a review was denied. 

At this point, the bank has violated my right to a review of the Federal application HAMP. Then,. I requested to XXXX XXXX of Wells Fargo if there is any other way to save my house. There was no answer. The only reason I was fighting for my house was I removed money form retirement account to keep the house during the depression. I hope at CFPB an official will look at this complaint and stop any malfeasance of the bank to other minorities. The FHA guidelines were not followed in this sale. I have been locked out of the house for two weeks since XXXX XXXX XXXX XXXX took possession without aneviction notice. 
In Conclusion, my lawyer has submitted all paperwork required for the modification. The bank still denied me due process to the right of a modification. I believe this is pure discrimination against me.

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