Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I had opened up a complaint a few months ago against Wells Fargo. They stated that they had sold my mortgage to another entity. However, they just placed the mortgage with XXXX ( XXXX XXXX XXXX ) which is only collecting my monthly payment for Wells Fargo. 
In addition to the above issue Wells Fargo falsely reported that they have a Stay of Relief dated XX/XX/XXXX. On that day they appeared in Bankruptcy Court only for the approval of my bankruptcy. I have not missed any payments to Wells or Bankruptcy Court in the last 14 months. Then Wells Fargo instructed XXXX not to accept any payments from me because they were awarded a Relief of Stay and my home was to definitely be sold at auction on XX/XX/XXXX. 
I am also requesting that my account be audited due to the fact that the original amount that I owed Wells Fargo was {$24000.00}. Wells stated that they had never received any payments from my previous bankruptcy. Therefore, they doubled to amount owed to {$48000.00}. This was another blatant lie. I contacted XXXX XXXX office and they confirmed that Wells had received over {$6000.00} from my bankruptcy account. 
In addition, I am asking that someone look into my original documents filed with HUD when I purchased the home. My interest rate was changed without my knowledge when Wells purchased my account. It was 3.25 % on XX/XX/XXXX when I purchased the home. Wells changed it to 7.50 % for over 20 years before I noticed the error. I have never had any equity in my mortgage. And I received a letter from Wells Fargo stating that my monthly payment of {$960.00} will be changed to {$1400.00} because of the escrow. I believe that Wells Fargo is attempting to raise my mortgage so high that I cant afford to pay it. I am on XXXX   XXXX and my monthly income is $ XXXX/month. That is outrageous. I couldnt afford utilities, food, medicine, health insurance, or any thing else that I would need to support my XXXX children and myself. 
Constantly, I am being set up and harassed by Wells Fargo. I live in fear daily that my family will be kicked to the curb.They schedule my home for foreclosure every month. Strangers leave notes taped to my door, text me, call and leave messages about purchasing my home at least 3 times a week. Its so bad that I stopped answering my phone or door. My physician has to administer medication for XXXX  and the XXXX that XXXX all over my body. I see advertisements of my home scheduled for auction on the various real estate websites and XXXX. I start vomiting. No one should be forced to live this way. Banks today have too much power. 
Finally, I was sent a modification package from XXXX  XXXX   XXXX. Which I originally thought was my new mortgage company. I completed everything and sent it back. However, XXXX told me that they could not review my modification because Wells Fargo had a Relief of Stay and my home was definitely being auctioned off. Wells Attorneys stated that I never completed a modification package. I truly feel like I am being gas lighted. All I want to do is put the true amount owed $ XXXX all monies paid through bankruptcy on the back end of my loan. I want to continue paying the $ XXXX/month mortgage. Pay the $ XXXX/month bankruptcy. I want to also be credited for the 20 years of paying the wrong interest rate. I am in bankruptcy and I want Wells to stop all threats of foreclosure permanently. As well as selling my mortgage to another mortgage mortgage company not associated with Wells Fargo or any of their other entities.