Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

Written by XXXX XXXX XXXX on XXXX XXXX, XXXXI purchased my home in XXXX. Original mortgage servicer was XXXX XXXX. End of XXXX, Wells Fargo purchased my loan. They have been nothing but grief. 
In XXXX my payments went up. I am on XXXX and have limited income. I was NOT in foreclosure, I was just running late on my payments. ( due on the XXXX, paid by XXXX ) So I requested we work together to find a solution that would work for both of us. WF said I did not qualify for a Re-Fi, so they set up a Modification going through HAMP. I know now that they lied to me on several occasions. Months later, and many gray hairs, the Modification was finished. I assumed all was well. 
On XXXX XXXX, XXXX, I looked at my Escrow Analysis. ( I had worked with Escrow in XXXX to pay in enough so that any raise in insurance or property tax would be covered. ) The XXXX Analysis showed that I had a shortage, so I looked at it in depth. My property taxes had gone from {$600.00} to {$720.00}. I called the County Assessor 's office to ask the reason. 
I was informed that I am no longer the Owner of Record of my property. The Secretary of HUD is shown as the Owner of Record. Because the owner is a corporation, I lost the discount for Homestead Exemption. In addition, individuals are increased at 3 % per year while corporations are increased at 5 %. I also talked with the County Clerk to get a copy of the legal filings. 
I -- personally -- do n't have an Escrow Shortage. WF does. The Secty of HUD does. The shortage is due to a mistake made by Wells Fargo during the Modification in XXXX. But, if this had n't happened, I would n't have known there was a problem. 

SO -- BOTTOM LINE : I no longer own my home! I ca n't sell it or refinance it because I do n't OWN it! I ca n't even move out of it because of HAMP restrictions! Ridiculous! 

On that same date, XXXX XXXX, XXXX, I reported the problem to WF. They kept kicking me up to the next level of Customer Service until I got to what I call " XXXX '' and they call XXXX XXXX XXXX XXXX. I spoke to XXXX XXXX that XXXX time. She NEVER called me back. 

Now, here we are 60 days later. There has been no progress. I spoke to WF two days ago on the XXXX. At that time, they still did n't even know what the PROBLEM was, much less the SOLUTION. 
I have rattled cages and set fires all over the place to no avail. The best lawyer I spoke to recommended that I call HUD and ask them what to do. They turned out to be surprisingly human and easy to work with. HUD has now kicked me up to their Executive Level. They connected me to Wells Fargo 's Executive Level. HUD and WF Exec. Levels have now had the problem for 30 days. Still nothing. 

On XXXX/XXXX/XXXX, I told XXXX XXXX of WF XXXX XXXX XXXX that I have run out of patience. I told him to ask his boss, VP XXXX XXXX, to cut me a check for {$5000.00} to cover my " pain and suffering '' caused by Wells Fargo 's incompetence and the loss of ownership of my house for 2 years. My point : " Give me the check and the Deed to my house and we 're finished. '' As their second option, I told them they could buy my house outright for {$85000.00}. Either way, we would be finished. 
I found out about your company by calling my Bank and talking to a Mortgage Lender. She asked around and they recommended I call you. 
I am a very frustrated homeowner, who does n't technically own her home! I definitely need help.