Consumer complaint received 2015-06-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

To whom it may concern, In XXXX I purchased a home XXXX. Unfortunately in late XXXX I came down on orders that would take me to XXXX. Home sales in my neighborhood were not good many of the sales in my neighborhood at that time were foreclosures. I was told that my home would not sell for what I owed. I felt that I had no other alternative but to file bankruptcy. My bankruptcy was discharged in XXXX in XXXX of XXXX. Shortly after my discharge I contacted Wells Fargo via a phone call and asked them how I could get rid of the house. I had not intended to just let it sit empty while I was in XXXX as I did n't know if I was responsible. My conversation with Wells Fargo initially was good I was told that paperwork was going to mailed to me that I could sign and the home would be out of my name. My wife remained in the XXXX house for approximately XXXX months after my phone call. However, the paperwork never came. It is my belief that Wells Fargo was deceiving me intentionally. I was not sure exactly what was going on at that time how it would benefit them to ignore my request. My phone calls continued to Wells Fargo as bills continued to come in the mail. I payed the heating bill on the home through the next winter while residing in XXXX This was not a good time financially for my family as these extra bills just made it harder for us to get by. Finally, the cost of maintaining the home in XXXX became to much and we had to stop making insurance and heating payments. Soon after this I started to receive excessive force placed insurance bills. Needless to say after years of calling and not receiving accurate information my wife wrote a letter in XXXX of XXXX request for Wells Fargo to do a deed in lieu. Having the home still in our name two years after the bankruptcy was hurting our chances of getting financing for another home. With me having to move every few years XXXX it was an issue that had to be addressed. In XXXX, after my wife had sent the letter, we received Foreclosure paperwork in the mail. This was infuriating, we had been lied to for almost XXXX years the had no intentions on giving us a DIL. Desperate for answers I called the VA. Where I was in contact with a XXXX XXXX XXXX XXXX She was the XXXX person in XXXX years to give me any kind of accurate information. She told me that even though I had filed bankruptcy I could have tried to sell the home to get it out of my name. She also told me that Wells Fargo had been lying to me. Apparently they never would have been able to send a deed in lieu because the HOA fees on the home were not being paid. Needless to say desperate to get this home out of my name and not get saddled with a foreclosure I listed the home on the market. The home received an offer that would have more than covered the principle amount owed on the home. However, Wells Fargo had now included XXXX years of fees and costs applied to my note. The offer on the home was XXXX the principle balance at the time of bankruptcy was XXXX. But now because of all of the fees being charged by Wells we would n't have enough money to cover the sale. I contacted every imaginable person from Wells Fargo but they were all reluctant to assist me. Unavoidably, I had to sell the home as a short sale in XXXX of XXXX. 3 days before the closing a XXXX dollar charge was placed for insurance. I believe that Wells Fargo took advantage of me and my situation. I was also charged late fees after my bankruptcy. They have cause extreme damage to my family and finances. I have done a little bit of investing as to my rights and I think that Wells Fargo may be in violation of RESPA regulation X as well as violations to the bankruptcy code. It is my desire that Wells Fargo be held accountable by whatever means necessary. 
Sincerely, XXXX XXXX