Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

Originally, I got behind a few months on my mortgage note. I requested assistance by telephone and Wells Fargo determined, from the information I provided, that I could pay back the three month arrearage over the next few months on top of my mortgage note. Their calculation of my ability to repay XXXX mortgage notes a month was inaccurate based on the incomplete financial information they took from me over the telephone. Once in a payback plan, when I called them and told them this calculation was not accurately reflecting what I could repay and we needed to redo the figures, they said they could not do that but what I should do is " fail '' the payback plan and apply for a modification. By the time I did that, my note was 6 months behind. I applied for a modification. It should have been an easy thing but they fooled around for months and then told me I was denied because I did n't submit documentation they requested. I was unaware of the documentation they say they requested. I hired a consultant to submit a new modification to make sure the figures worked out right for a successful decision. Because my home was not in foreclosure at that time, although they had tried to foreclose in me quickly before and, like many other homeowners, as they were one of the culprits in the foreclosure scheme and got in trouble for it, I received a check back for some fees later. Since they labeled my loan not a pressing issue, they had my request for 8 months before telling me they could n't do an in-house modification ( I was not eligible at the time for a HAMP ) because I had had XXXX before. I had not. After XXXX they did something that took my loan notes that were suspended and dumped them on the back of the loan, although I was prepared to pay and offered to pay. This was not a requested modification, although I believe they count that as XXXX. I formally requested a modification XXXX. Their reason for denial was that my loan, a XXXX XXXX, was not eligible for more than XXXX modifications over the lifetime. I appealed. My circumstances with income had changed. I provided new information, I was still denied and they tried to push through a foreclosure, XXXX times setting a sale on my home, causing me to have to file a bankruptcy petition to stop the sale while continuing to negotiate a modification. To date, after my husband has become XXXX from an illness and he has had to retire on a medical XXXX pension and has just recently been awarded Social Security XXXX, I am under the protection of a bankruptcy petition but all I want is a modification to start paying my note over and take the arrearage to the back of the loan, reduce interest, if possible, and start me fresh. We can pay. I continually provide information over and over again and they are just playing games, using these document requests as delay tactics, hoping something will change to allow them to deny me again because I am currently eligible for HAMP, according to our income vs. mortgage payments. They are playing games. I am so frustrated. This has been going on for three years now, since the very beginning. It reminds me of the movie XXXX where the insurance company just denied, denied, denied, like a roulette wheel, on claims hoping to win the odds. This is my home, my family home is across the street. My XXXX year old mother lives there. I have lived in this home for 14 years. I do not intend to lose it but I need some assistance to just get straight on the loan again and start paying again. Of course they wo n't take payments. Life gets in the way and no one can really just set aside all that money. I have had medical expenses and such and had to hire consultants and attorneys to fight them. Please help. Their delay tactics and tricks are unfair to the consumer. They can just sit and wait me out until I trip or slip. UNFAIR