Consumer complaint received 2017-02-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, Wells Fargo mortgage Loan # XXXX. 
My numbers may not be correct but will show my reason for complaint. I have requested these multiple times over multiple years from Wells Fargo and they will not send them to me. I purchased my home in XX/XX/XXXX for {$260000.00}. I believe I put {$30000.00} down. In XX/XX/XXXX my x-wife lost her job and was unemployed for XXXX years. Our household income fell {$30000.00} per each year. We exhausted all available funds and became delinquent on mortgage. I reached out to Wells Fargo by phone and they denied me help in a written letter I received on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo sent me a letter that i was in default. They again sent me a second letter on XX/XX/XXXX and said I owed {$6000.00} to get caught up. I had to retain a lawyer and still no help. I actually requested a manager and begged them for help with the HARP program. They finally helped after numerous calls, emails, letters, documentation, paying a lawyer ( lawyer was unable to help ) and begging. They finally decided to help and I received a letter on XX/XX/XXXX. My paper work showed that they moved {$35000.00} to the back of the loan and re-modified back to XXXX year at XXXX %. I was still struggling as my wife returned to work at less than XXXX % of her previous salary. I again fell behind in XX/XX/XXXX only a few months. I called, sent email and begged again. They lowered the finance rate to 3.25 % and moved the past due {$2300.00} to the back of the loan again. This made it possible for me to afford and if remained current ever since. I have this documentation for the XX/XX/XXXX {$35000.00} and XX/XX/XXXX {$2300.00}. 
My wife separated from me in late XX/XX/XXXX and we divorced final in XX/XX/XXXX. I requested the payoff of my mortgage from Wels Fargo and was certain to identify that I had XXXX HARP re-modifications on this loan. This was needed to show the equity in the home to settle the divorce. Wells Fargo sent me the payoff and it showed I owed {$210000.00}. I called them after receiving and was again sure to tell them I did not think this was correct due to the HARP loans and they told me it was. FYI, my x-wife will attest to my attempts to tell Wells Fargo about the HARP loans. My home appraisal was for {$310000.00}. Equity showed at almost {$100000.00} dollars. I settled my divorce and my x-wife received {$47000.00} for the equity. 
In XX/XX/XXXX I attempted to re-finance with Wells Fargo to get out of the HARP loan and get things on the right track. The rates at that time were less than XXXX %. I went through the entire process and in the end they told me due to them holding the initial mortgage and HARP loans under law were not able to complete the request. They also said I already had a good rate and should stay with what I had. Things were ok at this time so I left it as is. 
Most recently I was looking to consolidate my liabilities and looked to re-finance with a different lender. Everything went well ; I again requested pay off documentation and again insisted they look at the HARP part of this loan. On XX/XX/XXXX I received a payoff letter for {$200000.00}. Called again and insisted it did not included the HARP loan. On XX/XX/XXXX I received a second pay off for {$200000.00}. I made many calls and inquiries on this. I was bounced around from department to department. 
The lender I was looking to use approved everything and then they ran a tittle search. It brought back that I had XXXX liens, XX/XX/XXXX for {$50000.00} and XX/XX/XXXX for {$11000.00}. I called Wells Fargo to tell them I had XXXX issues. XXXX was that I settled my divorce based on the documentation they sent for balance owed {$210000.00} if the leans were correct I had " XXXX '' equity and settled {$47000.00} in equity to my x-wife that was not there. Secondly all the numbers did not add up, something was wrong. If I purchased the home in XX/XX/XXXX for {$260000.00}. Put {$30000.00} down ( estimated ) balance = {$230000.00} made payments even though I did fall behin

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