Consumer complaint received 2015-08-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I was approved for a loan modification trial on XX/XX/XXXX. My trial was supposed to go from XX/XX/XXXX to XX/XX/XXXX. I paid all trial payments on time and actually kept paying trial payments up to XX/XX/XXXX at which time my modification was cancelled by Wells Fargo. The reason Wells Fargo said they cancelled my modification was due to the fact that my second lien holder would not sign a subordination agreement. My attorney has since spoken with my second lien holder and they are now willing to re-consider signing the subordination agreement. In addition my bankruptcy attorney also states they might be able to get my bankruptcy judge to sign the subordination agreement as well. However, as is customary both are requesting my first lien holder to issue an updated proposed terms ( Approval ) of the XXXX lien modification before they sign the subordination agreement. Wells Fargo did this back on XX/XX/XXXX, however those proposed terms are no longer valid due to the time that has passed since then. In order to obtain updated proposed terms from Wells Fargo so I may present them to my second lien holder, my attorney sent a complete financial assistance package to Wells Fargo on XX/XX/XXXX ( as per WFHM instructions to do so ). Wells Fargo Home Mortgage now has a special department to block people from being able to re-apply for assistance. The department is called the " Re-Entry '' team and their sole purpose is to block ( Evade ) people from being reviewed again for assistance. To date that department is blocking me and refusing to allow my account to be reviewed for assistance. They simply state they will not review my request without the signed subordination agreement submitted to them first. They know this is impossible without them ( WFHM ) first opening a new review and if approved, issuing a new approval with new proposed terms so I can then take those updated terms to the second mortgage and ask them to sign it. This is simply an excuse by the re-entry team. Every time we call and speak with anyone, they play dumb and act like they do n't understand, or they understand and say they are not the ones who are handling the case. My attorney has faxed XXXX very long extensive letters ( Attached ) explaining the situation and also called repeatedly to the person at the Re-entry team who is assigned to my loan. Never have they responded. All we receive is the run around.I know I qualify because I was approved before. The only reason I was denied was because my second lien holder at that time would n't sign a subordination agreement. Now they will sign the subordination and Wells Fargo is refusing to do the process over again so I can save my home. It 's not more complicated than that. XXXX messages have been left in the last 30 days for XXXX XXXX XXXX - Executive Mortgage Specialist ( Wells Fargo Home Mortgage ) with ZERO returned calls. Clearly Wells Fargo is evading my most recent request and full financial package faxed to them and confirmed received on XX/XX/XXXX. They are evading reviewing me for assistance and playing games blocking me from being able to re-apply.