Consumer complaint received 2016-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

i have been writing through the cfpb for close to three months concerning wells fargo. 
I received a typical response from wells, as always placing blame on the borrower. 
Facts. I received a modification from wells fargo after directly going to XXXX XXXX since for 5 years my paperwork was lost, never uploaded, no records of mediation court, etc. 
I began the trial in XXXX XXXX, it took wells fargo 6 months to finalize my modification XX/XX/XXXX, reason waiting on the title. Once received 6 months later I receive a call from a rep from Wells yelling at me that I needed to resign a duplicate agreement of modification due to an error, I was yelled and screamed at and finally I said my modification was complete 6 months ago and now your calling o tell me you screwed up. I told them I would not sign anything without an attorney. 
Here we are almost 2 years later, and I come to find out that the title company hid XXXX illegal liens that were placed on my property that have cost me XXXX in legal fees. 
And now a XXXX payment to the association. 
I reached out to Wells, and there response was the borrower is liable for there maintence fees which is 100percent correct. See I was paying and these liens were placed without my knowledge. 
If the title company would have done there job properly I would have found out about it sooner and been able to avoid the legal fees and maint fees that I did eventually fall behind on due too false billing by my manangement company. 
I advised Wells Fargo that I was going to have issues paying both, I tried to keep my mortgage at 2 months down, in XXXX I went to make my payment online and could not do so, wells had locked me out. I wrote the cfpb and called XXXX XXXX ny rep at wells fargo and asked her to please return my call that I needed to make the payment by XXXX XXXX, that legally if I went over that day I was going to be 3 months down and now face foreclosure again which I did not want to do at all. XXXX called on a Monday and a Wednesday, I immediately called back and of course it went right to voice. I ased her to please call me so I could make this payment. I never received a call to make the payment, which I could only do with her since she is my customer care rep. 
how do you put a person in a position with the office of the president that does not care one little bit about the borrower. 
I could have avoided what is forthcoming if this person took there job seriously and and returned the call back. left 2 additional messages and called Thursday and Friday with the same results no answer I would need to leave another message, why would I if my other calls and requests went unanswered. 
the handling of this whole case since the beginning has been a mocary and joke on me with people having no respect for the homeowner and truly do not care what happens to there home. 
so thank you XXXX XXXX for never returning my call to make that payment and placing blame on me for the numerous errors by your title company for XXXX illegal liens on my property that you say were n't there. 
Funny I sent you the XXXX page title I received from the XXXX County Judge which XXXX XXXX provided inclusive of my modification. 
I worked in loss mitigation office of the president for 6 year with XXXX and if we ever handled a case like this and did n't call that borrower back to make a payment, we would n't have had a job.