Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

In XXXX, my husband 's employer implemented pay cuts. He lost almost {$XXXX} per month. Gradually, this caused us to fall behind with our mortgage payment. We were 2 months behind when the mortgage company offered the option of applying for a loan modification. We were told to gather the required documents and submit them. If we met the qualifica- tions, we would go through a trial modification period and make the designated monthly payments for 3 months. When the trial period was over and we were approved for modification, our credit report would show that we were current on our mortgage. 
and we would begin making the modified payments. this was XXXX XXXX. The 3 month trial period passed during which we made all the payments. However, the mortgage company was having a problem with the title on the property and a problem with the second mortgage company and the subordination agreement. Therefore, 3 months turned into 4, then 5, then 6. 
We had a difficult time getting them to communicate what was happening to us. I would call the Home Preservation Specialist assigned to us but I would have to leave a message and he either would n't return my call or it would be weeks before we would hear from him. Then, the specialist apparently left and we were assigned a new specialist. He was a little better but he too took long periods of time to get back to us and we felt that we often did n't know what was going on. During this 6 month process, although we were making the trial payments, they continued to report us as being late on our payments and our credit suffered greatly. In addition, the total amount due to bring the mortgage to current grew and grew due to the trial modification being extended. During this time, we found out that the problem with the title was that we had taken out a mortgage on some land that adjoined the land that our house is on and the bank, in error, included the property that the house is on. This error was discovered, corrected by the banks attorney and was re-recorded. This information was given to the mortgage company. However, the title searching company that they used failed to recognize the corrected title issue and the modification was denied. At this point, our " specialist '' recommended that we re-apply for modification. I questioned this idea because this had already gone 6-7 months and the credit report issue was getting more serious. By then, it was XX/XX/XXXX and my husband 's employer, a security com- pany contracted with the government completed their annual background checks and found that we were falling further be- hind on the mortgage payments ( due to the extended trial ). 
He was informed that if this was not brought current, he would no longer qualify to be employed with them. We extensively explained the situation and they granted him a period to finish the modification process before they took action. So not only was this ruining our credit but was possibly going to cost my husband his job. We began the second trial modification XXXX. 
All of the same issues have persisted throughout this period. 
In an attempt to resolve this very difficult situation, we gave written authorization to the mortgage company to talk to the 2nd mortgage company about the subordination issue which was only some wording that needed to be corrected but they would never return calls to them to discuss the issue. They continue to state " title issues '' with the bank with which the adjoining land is mortgaged. Currently, we have submitted a dispute request with the mortgage company and sent them a letter from the bank 's attorney, a title release from the bank and a detailed illustration of the property that clearly shows the title is a non-issue. With just a little communication from the mortgage company, these issues could be resolved and save our home from foreclosure.