Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NV)

I 've been in my home for 13 years a couple years back my husband and I fell behind on our mortgage. So Wells Fargo offered us a loan modification literally years had passed, being asked for every document known to man. We were approved. When I got the loan modification I noticed {$30000.00} new cap money was added. I personally thought that was a bit high. verbally over the phone asked 3 times for a breakdown of the {$30000.00} and why they felt I owed that much, I got nothing. my fourth attempt I did get a verbal breakdown over the phone and that was all, in the meantime I went back to all my statements and realized in 2011 I noticed lot of errors on my statements. Along with several questions on the way my money was applied I did send a detailed letter to Wells Fargo and my home preservation specialist during this loan modification issue when I asked if my home specialist had received my package his answer was " yes I received your package and personally and did not read it. '' I did comment back my letter explains the reasons why I wo n't sign the loan modification but I understand apparently you only deal with the loan modification not the reasons why I wo n't sign. So I told my home preservation specialist I refuse to sign the loan modification. Shortly thereafter I received a letter from my home preservation specialist saying my home was going to be foreclosed on. So I wrote a cease and desist letter to Wells Fargo demanding my debt break down within 10 days and if they did not supply me with what I asked for then every contact there after they will be fined XXXX. Well they 've contacted me definitely more than once I did receive a letter from a Wells Fargo employee stating that she received my cease and desist is trying to stop all communications phone written or otherwise until I say otherwise. within a week my home preservation specialist was changed 2 times. So now I 've got another foreclosure statement from a different home preservation specialist and they are going to have an auction privately in two days on XXXX and sell my house, by the way me and my family still live in it. well with all of my research and reading over my statements I found out that Wells Fargo is not my lender anymore they have not been my lender since 2011 when I started seeing a lot of inconsistencies and errors and being double billed for homeowners insurance twice in one year, still not knowing where that additional {$3000.00} went for that second home owners insurance payment they took out of my escrow. I also found two different times I paid {$1200.00} each time for my mortgage payment and it 's not documented anywhere on any statements so that 's XXXX poof do n't know where that went either. I have not contacted us bank who is my lender but plan on doing that first thing in the morning since they 're trying to sell my house right out from underneath me in two days and I 'm curious if XXXX XXXX even knows. What stupid is my husband and I make the money we just came into some hard times a couple years back I even stated twice over the phone I wish this paperwork would end so I can just make my XXXX payment it took so much time and energy getting although necessary documents. I know why they wo n't give me a break down because I went back through my statements and the breakdown is wrong. I will try and attach the letter I wrote to Wells Fargo with the errors and questions I had, the cease and desist letter I sent in fact to XXXX different addresses. So I was curious and decided to XXXX the addresses and found that the address my paperwork was going to and found it was not Wells Fargo at all in fact XXXX was a ASC mortgage? So, isnt that " false, deceptive, and misleading representation.? I appreciate all of your help hopefully you can accomplish getting a detailed breakdown of my debt. Thank you for your time