Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

This is a response to the diatribe submitted by Wells Fargo concerning the unethical foreclosure sale of my home in Arkansas. Wells Fargo has a well documented violation of legal procedures, redlining manipulative and case management violationn on the part of mortgage officers, loan processors and upper level management to circumvent the law as it relates to fair housing, civil rights and underhanded management schemes as is documented by the XXXX cases documented by the Department of Justice and the Maryland Attorney General 's office. 1. I disclosed to Wells Fargo that the home was located in a transitional area. That I had my mail and bank card stolen through the mail therefore all mail is being routed to a post office box. 2. I disclosed to Wells Fargo that the home had experienced extreme vandalism over the years because of lengthy traveling for work. This was acknowledged by Wells Fargo during my attempt to get a modification after a lengthy period of unemployment. 3. I began work on the home to bring it up to standards while living in it and simultaneously pursuing a modification. During a period of no less that 6 months possible as long as a year, Wells Fargo continue to express dismay about my financial situation caused me to fax banks statements and budgets numerous times to the point where a home preservation specialist admitted, confidentially, that Wells Fargo was attempting to find a basis to deny my modification request because of the location of the home, loan value and tremendous increase in income which would suggest that I had no need for a modification in spite of the 21 months or so of non payment. 4. The request to postpone, initially was because the home preservation department had finally accepted the income documentation, bank statements and budget. The only remaining item was the documentation of the utility service at the home. At this point the home was in the process of being totally rehabilitated and lived in. There was new plumbing, repairs to the electric, inside and outside, new sinks, toilets bathtub and shower, replacement of sheet rock, interior painting, new lighting, new HVAC system and new windows and doors. The first postponement was to resolve the issues with the home preservation department. 5. On the day before the sale I was informed by the home preservation department that the only remaining item was documentation of utility service at the home. I had previously provided utility bills on at least two occasions. Both times clearly listed on the bill that the utility service location was my home. The bill as all mail, which Wells Fargo was aware that my mailed goes to my XXXX XXXX. XXXX. I have received mail form Wells Fargo at this XXXX XXXX for years. Given this fact, my previous attempts to provide documentation of the XXXX. XXXX, the home preservation staff would not accept a copy of my application for a XXXX XXXX as verification, in spite of Wells Fargo 's verification of the XXXX. XXXX over the phone that is listed on my account. My final request for a postponement was denied in spite of the fact that the verification of funds for the postponement was exactly the same as the first request. My situation, I believe is not isolated given Wells Fargo 's attempt to circumvent the law for financial gain. There have been instances that a well documented where first line Wells Fargo staff have manipulated the process, case management and loan processing, for gain for themselves and the company at the detriment of prospective home buyers, particularly of XXXX and low income. I truly believe my situation is but one of many in which Wells Fargo was making an attempt to rid itself o low performing loans in low to moderate income area owned by people of XXXX. According to a Wells Fargo staff person my home was sold to a sister company of Wells Fargo. How convenient for Wells Fargo.