Consumer complaint received 2018-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

For quite some time, I have pursued resolutions regarding my mortgage being serviced by Wells Fargo Home Mortgage. Matters took a downturn last Summer and Fall and Winter when Wells Fargo locked me out of my home for a half a year, thus disabling me from conducting a normal life and preventing me from accessing all of my belongings in my home for six months and preventing me from normally addressing matters regarding resolutions for my mortgage. The after effects of being locked out of my home for a half a year by Wells Fargo are considerable, and Wells Fargo is still recalcitrant about identifying a resolution that is beneficial for me to keep my home and beneficial to Wells Fargo to receive resumed mortgage payments from me. Wells Fargo is the eighth servicer of my mortgage. For six years Wells Fargo ceased mailing to me regular monthly mortgage billing statements, in violation of the XX/XX/XXXX Attorneys General Mortgage Servicing Settlement Agreements and, as such, kept me uninformed about the details of my mortgage account and its servicing. Wells Fargo continually denied me repayments plans and/or forbearance agreements and/or a modification in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, when the kept sending my payments back to me, and Wells Fargo only " offered '' a modification after HUD and FHA intervened to encourage a modification ... but then Wells Fargo sent the modification paperwork to me so late that it expired the day after receipt, and then Wells Fargo would not send it to me again with a reasonable and fair timeline for review and implementation. Subsequently, last year, Wells Fargo filed a foreclosure action against me, after previously filing a foreclosure action that ended up not being renewed or continued through their attorneys in XX/XX/XXXX and XX/XX/XXXX, and the foreclosure filing lied to the Court and still lies that my home " is not owner-occupied '' as an argument by to falsely claim that there is now homeowner in the home and thereby avoid providing mortgage resolution relief to a " non-existent '' homeowner/resident. When Wells Fargo filed the most recent foreclosure action last XX/XX/XXXX, Wells Fargo concurrently locked me out of my home for six months to disable me from normally addressing potential mortgage resolutions. While I was locked out of my home, Wells Fargo continued to schedule foreclosure sale dates against me. Wells Fargo would not recognize my former attorney for three months, claiming that his representation was " insufficient. '' In two instances this year, in the first quarter of this year and now in the past three months, I have submitted the material information about my employment and financial status and related documents in an effort to attain a fair mortgage resolution review and to get a mortgage resolution. In this most recent instance in the past three months, I provided to Wells Fargo the information requested and demanded, transmitted to them through my former attorney ( who withdrew his representation last week without advance forewarning or notice to me ) and his office. Yet, Wells Fargo is still denying a mortgage resolution review and insisting that my home be sold Thursday in a foreclosure sale. I have now spoken with a vice president at Wells Fargo in their executive office of resolutions and recovery group, having lost legal representation when my attorney suddenly withdrew from that role last week, and I have asked for cancellation of the Thursday sale date so a mutually agreed-to request to the Court for mediation can occur and so the range of resolution possibilities can be reviewed mutually and cooperatively and identified to foster the best possible resolution that will allow resumption of payments on my mortgage and cessation of actions to take my home from me. I do not want matters to proceed into a bankruptcy filing, but if Wells Fargo does not act immediately to cancel Thursday 's sale and does not act to work on mutual actions by both Wells Fargo and myself to resolve matters in amicable solution, then everything will devolve further and again much like when Wells Fargo locked me out of my home for six months and harmed me severely by making me homeless for a half a year. I have asked Wells Fargo to cancel the foreclosure sale and to enjoin with me in a request to the Court for mediation, to be conducted under and exception to usual mediation timelines that passed by last year when Wells Fargo would not recognize my attorney for three months and when Wells Fargo locked me out of my home for six months. The sale cancellation has to happen immediately, tomorrow, XX/XX/XXXX. And then matters can proceed towards a cooperative relationship, rather than a destructive relationship with destructive circumstances. I ask the CFPB to immediately oversee and communicate with both Wells Fargo and myself to implore both parties to act in conjunction with each other to prevent the foreclosure sale of my home set for this Thursday, XX/XX/XXXX, and urge both Wells Fargo and me to facilitate a uniquely arranged mediation that could be easily accomplished if both parties put their minds and hearts to it. The circumstances need not lead to the loss of my home. In the past four months, I obtained new full time employment and I have retained other part time employment with income that justifies resumption of mortgage payments in some kind of a workable resolution. Wells Fargo is a huge corporation penalized for many misdeeds by the CFPB that were unrelated to mortgage servicing. A number of Wells Fargo actions against me have mis-serviced my mortgage over a number of years. The lockout from my home was traumatic and hurtful. And Wells Fargo, during the lockout and continually thereafter continues to set foreclosure sale dates and now refuses to recognize my new improved employment and income towards accomplishing a workable mortgage resolution.