Consumer complaint received 2016-01-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

Been trying to get mortgage mod.since 2013. ASC, div. of wells fargo bank, refuses to help us. Had started foreclosure action, tried mediation, they refused to go after 2nd meeting. We had to go bankrupt. They filed a motion to lift automatic stay. Judge gave us a 6 mos. doomsday, XXXX to XXXX. Nearly missed making timely payment because I called ASC to make payment, said ca n't take over phone, did n't know where to send. My atty. ( XXXX of XXXX ) just received paper telling where to MAIL it. This was 3 weeks after court. I had to rush to bank to get bank check, rush to post office to send certified. I did not get my papers for several days later. Judge said in 90 days we should have a mod. ASC had me send income info ( faxed ), said, not changed. Husband & I on soc. sec. He is XXXX but because of age is on reg. soc. sec., not XXXX, but used to be. He is a veteran, but XXXX not service connected, mortgage not VA. I asked for appeal form several times, they do n't send. They did not want expenses, I said they went up, I owe IRS money, have to send monthly, they said does not matter. I keep getting letters,1 saying they reviewed case, we do not qualify, another letter says to call home preservation specialist ( they keep changing the person ) with info on income and expenses, I call, says they ca n't help. ( I just received them again ) I asked to speak to underwriter, they said an underwriter did n't look at it. I believe they somehow are discriminating against us. They have lied. At mediation their atty. said we have too little income, I said I would be getting soc. sec. starting in XXXX, he said that may make difference, to send proof, which I did. They now say we make too much. I am our adult XXXX daughter 's rep. payee. The money is for her expenses & other things she needs, according to soc. sec. law, the rep. payee can not use it. It is not my money. I told them she has separate address and her own bills, I sent proof. They have been using it to calculate the payment for HAMP or HARP. They told me on phone that they are no longer using her income, but I think they are. Our mortgage payment is close to XXXX of my husband and I 's income. I believe some of the loan papers have been robo-signed. Affidavit of motion to remove automatic stay is written, notarized under perjury by person claiming to be a VP loan documentation of wells fargo. I called exec. office, asked if they have employee of that name. Looked it up, said they do.I asked if she is a VP, said no. She is an analyst.I believe it is invalid, she commited perjury. I asked if that is an executive position, said no. Also a XXXX XXXX signed some loan papers as a VP loan documentation, notarized, he is an operations clerk. Signed addendums, borrower acknowledgement. I would like an impartial person to do a forensic examination of all pertaining docs. of mortgage & note. I would be happy to do this myself if someone can get in touch with me, tell me where to go & what to look for. I do n't know who owns the mortgage & note. There is XXXX, ASC, wells fargo, XXXX, XXXX, which I never heard of. We received 2 papers with that name, 2 different spellings. Deed of trust & doc. note. Numbers on each are in different order.They are accompanied by near blank sheets of paper with writing you ca n't read We have atty. for bankruptcy, he does not want to have anything to do with ASC 's robosigning, etc., and has not returned XXXX calls I last made. I am not even sure what I 'm supposed to do about the judge giving us 90 days to get a mod.Did n't President O'Bama sign a bill that mortgage co. are supposed to help people like us? I heard about federal & state law suits against wells fargo for fraud, and they are 1 of banks ordered to pay fines, promised to help people save their home? We have steady income. Have gone to every government agency, nothing. We are in XXXX,