Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I am wishing to file a complaint against Wells Fargo Mortgage Company. I am a widow of five years with XXXX sons in college. XX/XX/XXXX I notified Wells Fargo that I was unemployed and unable to make the mortgage payment until I was able to find work. The representative with Wells Fargo was very kind and advised that I keep them updated. Through the next few months, I did in fact keep Wells Fargo updated. By late XXXX, I became employed and was ready to continue with making my mortgage payments knowing full well that I had a back balance to pay. I contacted Wells Fargo, explaining to them the latter. I sent them a mortgage payment, inclusive of late fees. Within the next few weeks, my payment was returned and XX/XX/XXXX I found myself in a foreclosure status with them!! No warning whatsoever. I contacted Wells Fargo and they proceeded to explain that now that I was in foreclosure, they could no longer accept my payments, which I was fully capable of doing. Any and all conversations with Wells Fargo have been vague and uneducated. Shortly thereafter, I began the process of working with an agent within Wells Fargo that was helping me go through a loan modification process. I will estimate that this was XX/XX/XXXX. From the very beginning of this process, I advised the agent that I am the administrator to the estate of my property and that the deed is not in my name. Ok, the agent was fine with this. XX/XX/XXXX, I was approved for the " temporary '' acceptance with the loan modification providing I was able to make XXXX consecutive payments ( automatically taken from my bank account ). This was in fact completed as Wells Fargo required. XX/XX/XXXX, communication with Wells Fargo stopped. I tried on several occasions to contact the agent but his voice mail was always full. I then contacted the normal customer service line and they then forwarded me to a person in Alaska with Wells Fargo. When speaking to this agent, she asked me to fax her the deed for the property. I advised her that from the very beginning, it should have been noted that the deed was not in my name. This agent in Alaska had no indication of this information. By this time, I did not know what to do or where to turn. I hired my own lawyer XX/XX/XXXX and explained everything. This lawyer was going to help me get the deed of the property transferred in my name. Shortly after this, yet another agent from Wells Fargo sent documentation to me, exactly the same as before XX/XX/XXXX, advising that she was going to assist me in the loan modification process ... .of which, I took to my lawyer. The loan modification process started all over again. By this time, there are so many additional fees on top of the balance owed to Wells Fargo, along with my own lawyers fees..all the while, I could 've been making the mortgage payment honestly. It is entirely absurd the way that Wells Fargo Mortgage company handles their customers. As of now, my lawyer has a Quick Claim Deed that is ready to be faxed to this loan modification agent. Let me add that this agent had no idea what a Quick Claim Deed even was, and wanted to know why I, myself did not have the deed in my name. Through much research on my own, I have found that dealing with Wells Fargo Home Mortgage is nothing but a nightmare. Honest people, like myself, getting the runaround for them to make more money. Please if you could, help the honest people out. The ones that are trying to make a living, the ones that are trying to keep a solid environment for their growing families. Thank you.