Consumer complaint received 2017-03-31
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

I have been a victim of fraud. Back in XX/XX/XXXX I received a phone call from Wachovia about refinancing my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take Wachovia 's offer and refi. They they told me that it would be a better idea to modify my mortgage. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from Wachovia, I decided to call them for an update. finally I spoke to a representative ( XXXX ) and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago. 
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked XXXX, do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. 
By XX/XX/XXXX I received a letter for Wachovia stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call Wachovia about this letter. The funny thing about Wachovia, I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to Wachovia and fax them also. 
By XX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called Wachovia to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them {$18000.00}. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. 
By now I was very scared, so Wachovia left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, Wachovia was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. 
I spoke to so many Wachovia representative, ( have a record of ) every month they would ask me for the same things. I have {$470.00} of certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! 
This nightmare went on for over a year, by now my credit was ruined, the humiliation from our families and friends was too much to bear, people would knock on our door all day long. Take pictures of our house. so our marriage was also ruined. I suffered XXXX. 

At this time Wells Fargo took over Wachovia, and now I was dealing with Wells Fargo In XX/XX/XXXX I was finally approved. They gave me 40 YEARS ON MY MORTGAGE. I only had 24 yrs left, now I have 40 yrs. THANK YOU Wells Fargo. 

To this day my credit was ruined, and Wells Fargo refuses to work with me on fixing my credit, it took them 13 months to get an answer on a modification that I had no control of.