Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I are on the Loan with Wells Fargo. I wish I had the recording! We were told in XXXX XXXX, that in order to qualify for a modification, we needed to be at least XXXX payments behind, we were not. However, they offered to take information. So, we went over everything and the Home Counselor, XXXX told us everything looked really good. They could lower our payment and help out. We got all the paperwork in to them, as requested. We continued to be told, it all looks really good, should be no problem in getting the modification. Then all of a sudden, we could not reach our Counselor, and when we finally reached him, " oh we can not help you. Modification denied. '' No explanation. We were only told again, we needed to be behind in our payments and that we could appeal. We did, no communication with any one person and then again, no modification. I was then hospitalized for a work related back injury and XXXX, took over everything. My husband, fell behind on the payments, thinking this would help, we reapplied, again, no one person to deal with, and again, no modification. Now, my husband goes into a branch to make a payment, he was told, No can not make the payment because they now want a full balance due payoff. We started to receive notices in the mail of an upcoming sale date and panic set in, my husband declared Bankruptcy in XXXX XXXX. We still have had no actual reason we do n't qualify for ANY program, other than, we have too much equity in the house. ( $ XXXX ). Now, he declared BK citing house payment was too much to keep paying, insurance, bills and XXXX small children. The attorney has XXXX paying {$1200.00} to XXXX PLUS the mortgage of {$4800.00} a month. He declared BK to help not put us deeper in debt!! This would have left us only {$150.00} a month to feed a total of XXXX people, not including power, water etc. We have kept trying to get a modification, to no avail. My husband, passed away on XXXX XXXX XXXX, and still they have yet to acknowledge this fact. They called for a Relief of Stay on the House from the BK court, citing no post petition payments have been made, we were told we did n't have to!!! ( By the now retiring attorney! That 's another story! ) Now, they want me to make the payments on the house. I am not an idiot, if I make one payment I am then locked into their XXXX 

I feel that Wells Fargo is trying to take our house because of the HOT market within the XXXX XXXX XXXX XXXX. We are victims of devious, non-truthful and non-transparent practices. I am going to try and get a modification on my own, seeing as my expenses are not as much, I can manage the house ONLY IF THEY provide a modification. They continue to say that circumstances need to change financially to qualify, they have! They will not even consider it. Do n't want to even hear about it. 

I am stuck and almost thinking of pursuing legal channels to go after Wells Fargo for wrongful death ( husband had a massive XXXX XXXX after reading the Relief of Stay paperwork! ), harassment and anything else I can think of. You claim to be for the people against predators, well please help.