Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

At one point they asked me to send proof of income then when used to determine eligibility for loan modification they stated it was too low. I obtained XXXX XXXX jobs to make XXXX sources of income and they then stated it was too high. They have asked how many adults living in the household and were told to send in a contribution letter and were told that I needed to reduce my income because it was too high to qualify for a modification. I feel as if they are trying to intentionally foreclose on me. I use to have a relationship manager, XXXX XXXX, but at one point she was no longer my contact person and I was never made aware of this until I called and until this day I have n't been assigned another one. I am left to speak with different individuals every time I call that always provide me with varying information. Most of all when I 'm " denied '' modification they have never given me a single thing in the form of a written letter as to why I was not approved. Even when I request something in writing about why my modification is denied am told I ca n't get a written reason why. 
Currently, when I call to speak with a representative they continue to give me the same message that the house is under modification and that I should not send in any payments. After all that I was greeted with a foreclosure notice although the home is still under a modification process and I am still not allowed to send in any payments unless it is for the total amount of approximately {$46.00}, XXXX. According to Consumer Financial Protection Bureau ( CFPB ) foreclosure is usually filed after the XXXX month of missed payment but my mortgage was allowed to go 46 months unpaid before a foreclosure notice was filed and this is because for those entire 46 months I was told I was under a loan modification process and could n't send in payment during that time. They failed to communicate with me while I had an attorney although I attempted several times which is also one of the reasons why I had to get an attorney. My then attorney XXXX XXXX whom I had retained for approximately 2 years while he aided in trying to attain the loan modification also confirmed to me that while they are trying to work out the loan modification that I am not to submit any payments for my mortgage. During the time he was working as my attorney neither my servicing company nor lender would supply me information. I was always referenced to speak with my attorney regarding the matter because they could n't speak to me but only through my attorney. Also while my attorney was working for me in the initial stages he informed that my mortgage had been sold from the original company, which I was never made aware of and leads to more confusion. I feel like my attempt to hire an attorney to help mitigate the situation failed because nothing came of it and I feel as if the mortgage company did n't cooperate as they should have since nothing was ever achieved. 
Despite the modification and past due amount I have been willing to send in payments in which I still continue to be told not to do so. I do n't understand what is needed and/or expected of me from the servicers/lenders. For over 3 years I was under the assumption that I am in the process of being approved for a loan modification that was n't the intention of the servicing company at all. I feel as if their practices are unfair and deceptive and that I as the consumer was taken advantage of. I have always kept an open communication with them on my behalf and really need to know how can someone be allowed to go 46 months without payment without being foreclosed on if what I have mentioned in the above writing is n't true. Furthermore, some form of reasonable and feasible mitigation needs to occur so that I can keep my house.