Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Refer to Complaint No. XXXX This Complaint No. XXXX was closed before receiving my response. I am submitting another Complaint in continuation of the fraudulent home loan modification practices by Wells Fargo In their letter dated XX/XX/XXXX, in response to this Complaint No. XXXX, Wells Fargo gave incorrect information : The loan modification was initiated in XX/XX/XXXX NOT XX/XX/XXXX as they wrote in their reply dated XX/XX/XXXX Wells Fargo was advised in XX/XX/XXXX that I was represented by XXXX, XXXX and XXXX, XXXX XXXXXXXX XXXX attorneys All communication was to have been sent through my attorneys of record, XXXX No approval letter for XXXX  was received by either XXXX, my attorneys, nor was it received by me. It should have been sent directly to my attorneys, XXXX. The letter they attached was from their file and was not sent to me. 
I requested a copy of the conversations that were recorded by Wells Fargo relative to my Complaint XXXX. The conversations recorded only had to do with my information and no proprietary information was shared. 
I requested the write-off ( satisfaction of my mortgage ) because of the constant delays in making a decision on the loan modification by the lender and lenders counsel ( s ) AND failure of lender and lenders counsel to notify me via my attorney of my approval of a XXXX  loan . 
When the final loan modification paperwork was provided, my mortgage was increased to {$140000.00} ( from {$100000.00} ) and the loan was increased from XXXX  years to XXXX years. 

In replying to this Complaint No. XXXX, Wells Fargo asked for XXXX ( XXXX ) consecutive extensions. With their final extension, Wells Fargo advised they would be unable to write-off the mortgage or reduce the amount of the mortgage because they SOLD my mortgage. The sale of my mortgage was during the periods of extension requested by Wells Fargo. 


TO REITERATE, following is a timeline of my loan modification with Wells Fargo ( NOTE : My attorney was XXXX, XXXX and XXXX, " XXXX '' ) : XX/XX/XXXX documents uploaded to XXXX and XXXX. XXXX XX/XX/XXXX Additional documents requested from XXXX XX/XX/XXXX Additional documents uploaded to XXXX XX/XX/XXXX 3rd party authorization form sent to me by Wells Fargo that I signed and sent to XXXX XX/XX/XXXX Uploaded bank statements from XX/XX/XXXX and XX/XX/XXXX and salary statements from XX/XX/XXXX and XX/XX/XXXX other documents uploaded in XX/XX/XXXX XX/XX/XXXX Documents still pending XX/XX/XXXX new hardship letter question on mediation approval XX/XX/XXXX question if the mediation request hearing on XX/XX/XXXX chances of it being approved XX/XX/XXXX documents uploaded to XXXX XX/XX/XXXX documents submitted XX/XX/XXXX notice that XXXX  will not receive documents that are altered or not submitted completely XX/XX/XXXX Reminder of Mediation on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX physical attendance is required XX/XX/XXXX Mediation in XXXX XX/XX/XXXX Email to XXXX regarding a new mediation since XXXX  DID NOT participate/show-up on XX/XX/XXXX. 

XX/XX/XXXX Email from XXXX no update on a new mediation date. 

XX/XX/XXXX Email from XXXX they are sending a request regarding the rescheduling of mediation. 

XX/XX/XXXX Email from XXXX regarding XXXX rescheduled the mediation meeting XX/XX/XXXX XXXX confirmed receipt of loan modification package email XX/XX/XXXX XX/XX/XXXX Email from XXXX trying to reschedule a mediation so that I do not have to pay a fee. 

XX/XX/XXXX Email to XXXX regarding Mediation scheduled for XX/XX/XXXX acknowledging the meeting will be in XXXX rather than in XXXX XXXX. Uploaded XXXX  documents. 

XX/XX/XXXX Documents for mediation submitted to XXXX. 

XX/XX/XXXX XXXX XXXX will be my mediation attorney for XX/XX/XXXX XX/XX/XXXX Email from XXXX that XXXX XXXX will represent me on XX/XX/XXXX Mediation XX/XX/XXXX Email from XXXX XXXX XXXX requesting a new form to be completed Form XXXX and additional documents including an updated hardship letter regarding the car accident from XX/XX/XXXX XX/XX/XXXX XXXX attorney requested a XXXX form XX/XX/XXXX Email from me to XXXX regarding questions on amortization schedule for the new loan never received XXXX during mediation on XX/XX/XXXX, the XXXX rep on phone listed the current loan balance and added the past-due payments but that was inaccurate - the loan balance would include the mortgage payments not paid. Question on when will the modification of the loan amount be discussed because of the diminished value of the property due to the sinkhole and lightning damage. 

XX/XX/XXXX Email from XXXX regarding questions on mediation/mortgage amortization XX/XX/XXXX Email to XXXX asking for information from XXXX on Mediation/amortization schedule from XXXX XX/XX/XXXX Documents to XXXX for XXXX XX/XX/XXXX Email from XXXX XXXX that documents were received XX/XX/XXXX Email from XXXX XXXX to XXXX XXXX to schedule a meeting with me in XXXX XX/XX/XXXX Email from XXXX that documents were forwarded to XXXX still have not received a breakdown of the figures from the lenders attorney XX/XX/XXXX Email to XXXX XXXX thanking her for meeting on XX/XX/XXXX regarding discussion of sinkhole repair XX/XX/XXXX Email from XXXX documents submitted to lender and re-requested the reinstatement figures from the lenders attorney . This will provide a breakdown of the figures discussed at mediation. 

XX/XX/XXXX Email from XXXX XXXX that XXXX notified us that counsel has changed and is filing answers to our discover requests XX/XX/XXXX Email from XXXX XXXX sent a request for the payoff and reinstatement also a request for status of the review for which we received a response from opposing on XX/XX/XXXX that they are pending response from their client. 

XX/XX/XXXX Email from me to XXXX had been requesting a breakdown of the amount XXXX presented at Mediation on XX/XX/XXXX but have not received. 

XX/XX/XXXX Email from XXXX XXXX sent another request to the lender on the status of our request and it was also sent from the litigation attorney, XXXX XXXX , trying to get the same information. 

XX/XX/XXXX Email from XXXX with attachments showing the requests for reinstatement figures they requested from XXXX received correspondence from opposing on XX/XX/XXXX that they are still following up with their client she sent a follow-up again on XX/XX/XXXX. XXXX received notice that I was approved for a modification on XX/XX/XXXX and XXXX requested a copy of the agreement as the first payment was past due on this date, XX/XX/XXXX XXXX had been seeking status for months on end without a response to date only to find out well into the trial plan that there had been an offer on the table. XXXX was waiting on the agreement and payment arrangement to forward to me. 

XX/XX/XXXX Email from me to XXXX advising that I had not received any documentation, phone calls or any contact from XXXX or their representatives XX/XX/XXXX Email from me to XXXX had they received any information from XXXX XX/XX/XXXX Email from XXXX he reached out to the lender again and will let me know what he finds out XX/XX/XXXX Email from me to XXXX following up since I had not received any information from XXXX regarding modification or any info from XXXX XX/XX/XXXX Email from XXXX with thread of request to opposing counsel XXXX for info on XXXX that had not been received XX/XX/XXXX Email from XXXX to new opposing counsel XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

XX/XX/XXXX Email from me to XXXX requesting XXXX update XX/XX/XXXX Email from XXXX no information received he will email the managing partner of opposing counsel that day XX/XX/XXXX Email from XXXX to XXXX regarding no response to request of information XX/XX/XXXX Email from XXXX regarding drafted motion no one will respond . 

XX/XX/XXXX Email from XXXX with internal notes on my file for review XX/XX/XXXX Email from XXXX that she had not received a response XX/XX/XXXX Email from me to XXXX requesting any information on my case XX/XX/XXXX Email from XXXX  they are pending a response from opposing counsel XX/XX/XXXX Email from me to XXXX XXXX regarding email from XXXX on XX/XX/XXXX XXXX XXXX a case management XXXX that was held on XX/XX/XXXX stated that XXXX and lenders attorney agreed to a Motion for Mediation that was granted by the Judge. There will be a Case Management Conference XX/XX/XXXX questions on Motion to Compel Answers to Request to Produce. 

XX/XX/XXXX Email to XXXX with requested financial documents for XXXX XX/XX/XXXX Email from XXXX regarding results of the Case Management Conference on XX/XX/XXXX Judge set a hearing for XX/XX/XXXX @ XXXXXXXX XXXXXXXX on the Motion to Compel Better Responses to our Request to Produce the Plantiffs responses were inadequate they did not provide XXXX  with the requested documents XX/XX/XXXX Email from me to XXXX requesting an update on my case XX/XX/XXXX Email from XXXX ( Mitigator ) that they are still in the process of gathering status on the review and should have a response shortly. Requested for my review to be escalated for a decision XX/XX/XXXX Email from XXXX XXXX XXXX canceled by the Judge and rescheduled for XX/XX/XXXX at XXXXXXXX XXXX to hear Motion to Compel Better Answers to Request to Produce . XXXX will contact me after the hearing to discuss the results XX/XX/XXXX Email from XXXX that Judge granted portion of the Motion to Compel and Plaintiff has XXXX  days to comply with the judges instructions and court order XX/XX/XXXX Email from XXXX saying Plaintiff has not been forthcoming in providing information we asked for that is why they file these motions to compel and have the Judge order them to do so XX/XX/XXXX Email from XXXX have not received a response even after they escalated the response on XX/XX/XXXX and did not receive a decision from that escalation. She will be contacting opposing counsel that day to request a conciliatory conference if they can not issue a decision by the end of the week. 

XX/XX/XXXX Email from XXXX lender requesting financial information and Documentation once again to proceed with the loan modification review XX/XX/XXXX Email from XXXX reviewed documents just needed a signature on letter of explanation for unreimbursed expenses XX/XX/XXXX Email from me to XXXX received XXXX notices from Court today an Order and the Certificate of mailing were signed on XXXX, however, I did not receive them until XX/XX/XXXX XX/XX/XXXX Email from XXXX that the attachments were received and sent to my paralegalXXXX XX/XX/XXXX Email from XXXX explaining that Plaintiff provided the rest of the documents , the Case Management Conference will be held over the phone and they are set by the Judge the Judge may set a future trial date since the XXXX  Supreme Court has been pushing the Judges very hard to get all these foreclosure cases wrapped up as there is a huge back log of them will advise me of the results from the hearing on the XXXX XX/XX/XXXX Email from me to XXXX stating I never received the notice of acceleration and was surprised when I was served for foreclosure asked what was their proof of delivery or was it just a letter that was in their file. Has XXXX received any feedback regarding the status of the Loan Modification. 

XX/XX/XXXX Email from XXXX explaining the Case Management Conference, if the Court schedules this case for trial they are continuing to follow up on the status of the loan modification review but had not received a response from the lender on the additional documents that were sent XX/XX/XXXX hopefully will have an answer on the loan modification between the middle of XXXX to the end of XXXX XX/XX/XXXX Email from XXXX ( Mitigator ) that she had requested a status from my lenders counsel and will inform me as soon as she hears back XX/XX/XXXX Email from me to XXXX sending the documents requested by XXXX in an email to XXXX on XX/XX/XXXX XX/XX/XXXX Email from XXXX spoke with the lenders counsel and my file is in review and nothing additional is being requested XX/XX/XXXX Email from XXXX regarding opposing counsel going back and forth with her client ( XXXX ) and at this time they believe the trial should go forward on foreclosure and discussed cash for keys and extended sale date in XXXX  days XX/XX/XXXX Email from XXXX that lenders counsel has confirmed that my file is still in review XX/XX/XXXX Email from XXXX that I had been approved for a trial modification to begin XXXX XX/XX/XXXX but they had not received the trial modification documentation lenders attorney has filed a motion to continue trial. If she receives an email today with the order continuing trial she will let me know. 

XX/XX/XXXX Email from XXXX that the Judge had granted our Motion to Continue Trial. The Judge has placed the case on inactive status, therefore, the trial is not going forward on XX/XX/XXXX XX/XX/XXXX Email from XXXX that as soon as they receive the modification documents she will let me know the Judge has officially signed the order continuing the trial and administratively closing the case due to the modification offer XX/XX/XXXX Email from me to XXXX asking if they have the loan information so that I will know what amount is due, to whom, and by what date since the payment is due XX/XX/XXXX XX/XX/XXXX Email from me to XXXX checking to see if there is any information on the loan modification XX/XX/XXXX Email from XXXX they had yet to receive the modification documents XX/XX/XXXX Email from me to XXXX the information on this loan still has not been received and since the first payment is due XX/XX/XXXX I asked if XXXX will set-up an escrow account for the proposed loan modification so that a payment can be made so that good faith is exhibited since we do not know what the payment will be I left the amount up to their discretion XX/XX/XXXX Email from XXXX she received word from the lender regarding the trial modification and the first payment due XX/XX/XXXX, will be in the amount of {$1100.00} until XX/XX/XXXX can make payment at the banks branch or call it in on the phone with XXXX on the line. Future payments can be made to XXXX Home Mortgage in XXXX, XXXX  they will not know the terms of the permanent modification until the trial modification is completed. 

XX/XX/XXXX Email from me to XXXX if she had any idea about the numbers on the modification Im kind of flying blind but have no recourse but to pay it and find out what the loan will be after the trial modification XX/XX/XXXX Email from XXXX that he received my voicemail about the payment confirmation XX/XX/XXXX Email from XXXX that lender advised her that if I dont have my approval letter that I may have a hard time making a payment at the branch. The approval letter has been requested but it wont have it in hand before the payment is due. 

XX/XX/XXXX Email from me to XXXX advising that the XXXX payment was made that morning via debit/cash at XXXX in XXXX XXXX and will scan the receipts to her that evening XX/XX/XXXX Email from XXXX that she received a copy of my first TPP payment and will notify me when they get the final paperwork XX/XX/XXXX Email from XXXX attaching a copy of the trial modification documents XX/XX/XXXX Email from XXXX advising that she had contacted lenders counsel to confirm receipt of my first payment but has not gotten a response. She will continue her efforts and will advise me when she hears. 

XX/XX/XXXX Email from me to XXXX advising that I will be making the second  of the XXXX payments this week with a cashiers check at the local Wells Fargo branch so that I can get a receipt XX/XX/XXXX Email from KEL/Bowman that the lenders counsel confirmed that my lender has received both trial payments and continue to make the trial payments until the permanent modification documents are received XX/XX/XXXX Email from me to XXXX that I would be making the XXXX trial payment on XX/XX/XXXX and asked if she has any information from the lenders regarding the permanent modification document XX/XX/XXXX Email from XXXX advising that the permanent modification review begins after I make my last trial payment. She will follow-up a couple of weeks after I make the XXXX payment. 

XX/XX/XXXX Email from me to XXXX with documentation of XX/XX/XXXX TPP payment made on XX/XX/XXXX XX/XX/XXXX Email from me to XXXX to see if the mortgage paperwork has been received now that the XXXX TPP payments have been made XX/XX/XXXX XXXX from XXXX that she has reached out to the opposing council to follow-up on the final documents and will contact me when she hears back from them XX/XX/XXXX Email from XXXX that lender needs to have documentation as to if the name will be XXXX or XXXX XX/XX/XXXX Email from me to XXXX sending divorce decree showing my name change back to XXXX but I could use either name either XXXX or XXXX thats why it is hyphenated XX/XX/XXXX Email from XXXX responding to my email this day that the file is still in review and had reached out to them on XXXX to get an update on the loan modification but has not heard back XX/XX/XXXX Email from XXXX explaining that she will handle the mitigation on my file and will be the middle man between me and the lender that the review process is when the lender is actively reviewing my file. At times they may ask for additional documents/information which to continue their review process she will let me know. XXXX XXXX will handle the litigation side of my file/courts and the foreclosure side and XXXX handles the loan modification side. 

XX/XX/XXXX Email from XXXX confirming that my loan modification was approved XXXX  months ago but they are still pending the final modification which is the Permanent Modification XX/XX/XXXX Email from me to XXXX that I would be making the XX/XX/XXXX TPP payment to XXXX that day and will scan the receipt to her XX/XX/XXXX Email from XXXX that she will continue to follow-up with XXXX as to the status of the permanent modification documents and for me to continue making the TPP payments in the meantime XX/XX/XXXX Email from XXXX advising that they are still working on getting the status of the permanent modification status the lenders attorney stated they are working on getting a status from their client she will advise when she has more information XX/XX/XXXX Email from XXXX that the lenders attorney is working on the permanent modification documents XX/XX/XXXX Email from me to XXXX is there a date or timeline for signing the loan modification that was presented to me XX/XX/XXXX Email from XXXX to send in the documents right way and also scan a copy of the signed and notarized XX/XX/XXXX Email from XXXX that the signed documents look great and have forwarded a copy to the lenders attorney and advising them I will be sending the originals. She will be following up with the lenders attorney to make sure that everything is completed properly and the loan is permanently modified XX/XX/XXXX Email from me to XXXX that I sent the executed/notarized permanent loan modification paperwork to the address on XXXX XXXX sent via XXXX mail on XX/XX/XXXX. I advised that I would make my loan payment today based on the amount stated on the permanent loan modification even though I have not received in-hand the final executed documents from Wells Fargo XX/XX/XXXX Email from XXXX advising that Plaintiff has voluntarily dismissed the foreclosure and she will follow up with opposing counsel to ensure the modification has been logged and the account is reflecting as current XX/XX/XXXX Email from me to XXXX with a scan of my XX/XX/XXXX payment to XXXX.