Consumer complaint received 2015-12-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX, I approached Wells Fargo to request a loan modification resulting in my spouse being removed from the mortgage as we were going through a divorce. I wanted to keep my home, but we were denied, without justification. Not being able to live with my spouse and being under water with the value of the home, we began to pursue a short sale option. During this time, I have moved out with my children in order to ensure that they were in a stable environment, should the house sell as quickly as we were assured it would initially transpire. We have relocated, I am renting a home and my children are excelling in a new school district. Meanwhile, months have passed. We have been asked serveral times for the same documentation that we have already provided and beginning in XX/XX/XXXX, began receiving what our agent told us were 'procedural form letters ' from Wells Fargo . The first letter in XX/XX/XXXX simply asked us to call Wells Fargo to speak to a rep about our mortgage and inferred that the company was unaware that we are pursuing a short sale. When we called the contact, they refused to speak to us or share any information about our loan because we had an attorney working the short sale. We had been guided by our agent, that Wells Fargo would not be able to pursue foreclosure actions while we were undergoing the short sale process, however, we received a letter from an attorney yesterday stating otherwise and when we presented this to our agent, they stated that Wells Fargo was 'dual tracking ' our file. I had several times over the last few months asked about the constant delays and stall tactics, if they would have an adverse effect on the sale or our future credit, but we were given vague reassurances that this was all routine. We received an intent to file today dated XXXX XXXX with 45 days to respond and within the list of available remedies is the option of a short sale. Why is Wells Fargo not recognizing that we are already pursuing this course of action? We are providing reams of personal information to SOMEONE. Bank statements, court documents, bill statements, federal pay documentation, everything a scam XXXX could use to completely walk away with not only our home, but our entire lives. We are both XXXX with 28 and 22 years of service each. When we began this endeavor, it was as a last resort, because Wells Fargo had slammed the door in my face and told me I was unable to keep my home on my own, now they are dragging us through the mud, intentionally stalling the decision on the short sale long enough to be able to issue the foreclosure notice and 'dual track ' us without consequence. It 's difficult enough to have been going through the divorce this year, but the additional stress this has caused is unbearable, not to mention the effect it has had on out work lives. My ex has had his security clearance suspended, resulting in loss of pay, further exacerbating the issues. It 's all in the hardship letters that WF has ask us to write and re-write. My apologies for venting in such a manner. I 'm truly at my wits end, considering this afternoon I received another email asking that we each provide copies of all billing statements, grocery receipts, credit card receipts, deposit slips, etc. It feels invasive and extremely harassing, as we are held at the mercy of compliance or denial. Please, please, please help us. 

Thank you