Consumer complaint received 2015-10-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

XXXX OhioXXXX XXXX Wells FargoConsumer Financial Protection BureauMy name is XXXX XXXX XXXX XXXX. I am writing you today pleading for help. 
I have filed with XXXX Ohio XXXX XXXX on a case against attorney XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. 
I also filed with the XXXX office on XXXX XXXX XXXX. ( Complaint # XXXX ) Although I filed a complaint against XXXX XXXX XXXX XXXX, this debacle all started with our lender, Wells Fargo 's lack of help. 
XXXX, XXXX, my wife and I fell on hard times. My wife lost her job due to relocation. I unfortunately was injured while working. So we reached out Wells Fargo to try to get some help with our mortgage. 
We applied for a modification in XXXX. Wells Fargo came back with a " Forbearance Plan '' which was supposed to lead to a modification. 
XXXX XXXX, XXXX we started a 3 month trial payment of $ XXXXWe made every payment. 
Wells Fargo later told us there was no program out there for us. 
Now, not only did we " not '' get a modification, but now we are behind on our mortgage. 
We asked for help again fearing losing our homeWells Fargo then came up with another 3 month trial payment plan of $ XXXXOur first payment was XXXX XXXX, XXXX, and made every payment on timeWells Fargo once again could not come up with a modificationBehind on our mortgage almost {$22000.00} now, we were willing to try anything to save our homeWe reached out to a program called " Save the Dream '' while still seeking a modification from WellsThe process was long, but we were actually approved by " Save the Dream ''. They helped us get current on our loan, and help with paymentsWhen we were approved for this program, Wells Fargo " finally '' gave us a modificationBut the modification took the {$22000.00} that we were behind, and put it as another mortgage which we did not wantCurrent on our loan with help from the " Save the Dream '' program, our mortgage unfortunately went up once again due to tax increase, and levy increase, putting my wife and I once again back in a trying position to fight to keep our homeOnce again we found ourselves trying to find help to save our home. With limited options, we were forced to go back to Wells Fargo for helpWe did n't have great luck before on our own with Wells Fargo, so we decided to hire an attorney to help us with the processWith help from " Save the Dream '' we were able to save up {$3500.00} for the mortgageWe retained XXXX XXXX XXXX XXXX for $ XXXXFirst payment made XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX $ XXXXThe modification process was underway. Latter part of XXXX, within 3 months after our last payment to our attorney XXXX XXXX & XXXX. My wife and I noticed it was getting harder, and harder to get in touch with our attorney. Months with no updates, no returned phone calls, and no type of communication. 
Every now, and then we would hear from our attorney about something Wells Fargo may need, and then we would send them the proper documents that they needed. 
Worried that the documents were not being sent to Wells Fargo, I decided to call Wells Fargo to make sure they received the documents. But no one would speak to me because of the " cease and desist '' XXXX XXXX XXXX XXXX placed on the loan. 
But when we received a " pre-foreclosure '' letter in XXXX of XXXX, we knew something was wrong. 
We reached out to our attorney once again. And once again, no answer, no returned phone calls, nothing. 
Later found out our attorney, XXXX XXXX XXXX XXXX up and relocated, changed all their contact numbers, never sent Wells Fargo the documents that they needed to proceed with the modification. Which is why we were placed in " pre-foreclosure '' So now we are in pre-foreclosure, about to lose our