Consumer complaint received 2015-04-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

This is not a duplicate rather a corrected version. 
I became delinquent in my monthly mortgage payment because I have been unemployment the past 5 years. Last year I had to put my house located at XXXX XXXX XXXX XXXX XXXX, NJ. XXXX on Short Sale. Thank God there was no buyer. I decided to ask W.F. if I could rent it and use it as my income in order to be able to do a modification. They accepted. Before putting my modification through they said your investor XXXX is offering you a mortgage payment of $ 3800/month or something in that range way more than the current rate that I got when I was employed. I said are you out of your mind? If I ca n't pay the current mortgage being {$1000.00} a month less than your offer how do you expect me to pay this? Why do you even offer such ridiculous plan. After that I filed the XXXX modification with the rental income of $ 2200/month. They denied it because based on what the agent at that time told me it did n't matter if I put the address where I get my mail or the address of the house in NJ. Therefore I used the mailing address. They denied because I should show that I live in the house that its address appears on the mortgage. Please ask them how could I live there if I have rented it out to somebody else? So again I demanded for another modification so that I use the NJ resident 's address instead. At this time they changed My agent to another agent named XXXX XXXX who called me once to introduced herself and after that I never heard from her again. I kept calling her and leaving her messages but no response. I finally had to ask to talk to her manager when I found out my modification case was closed by her w/out notifying or discussing it with me. I was furious. I said who is this XXXX XXXX why did she close my case. " Sorry '' is the only word I heard from them. They gave me another agent named XXXX XXXX, Tel : XXXX Ext. XXXX who was a carbon copy of XXXX XXXX. I filed another modification file which after 2 weeks or so she said they have offered me monthly mortgage payment of {$2800.00} which again is {$500.00} more than my current mortgage. I said are you out of your mind? To make it short I had to apply for another modification stating that I need a mortgage with 45 years term, interest rate of 2 % and monthly mortgage payment of no more than {$2000.00}. Couple of days after I faxed the modification forms to XXXX I realized I missed out couple of issues that I wanted their underwriter to know so I had to fax her couple of more pages to XXXX separately for their underwriter and called XXXX and asked her to give them to the underwriter. On XXXX page I stated to the underwriter to drop the nonsense additional charges such as Attorney fees ( what Attorney Fee?? ) and late fees. The whole problem is I fell behind because I had no job and not because I had an income and did not want to pay. I also stated that I would like the Escrow account charges to be included in the $ 2000/monthly mortgage that I had proposed. After two weeks I knew she is up to something that she had n't called. I called her on XXXX XXXX and asked her if she had given the underwriter my last XXXX additional pages. She said NO. I said why not? She had nothing to say. Then she said I put them in your file. So she had not done a thing. She said that I was assigned to a different agent named XXXX XXXX, Tel.XX/XX/XXXX. I have no idea why they change so many agents on me. I decided to modify the Lease amount from $ 2200/month to $ 2000/month since my sister advised me repeatedly that she could only pay $ 2000/month toward the mortgage. So I faxed XXXX a new Lease agreement that shows Monthly Rental of $ 2000.I advised her on this change.Instead of giving me the outcome in 30 days each time they had a response in 48hurs.Their decision is predetermined.I need help in getting an affordable mortgage.