Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am a XXXX year old home owner, who has admittedly struggled financially since the Great Recession of XX/XX/XXXX-XX/XX/XXXX, due to a substantial loss of supplemental income to my monthly Federal retirement annuity income, gleaned from a home-based business. However, on XX/XX/XXXX, I suffered a lost of my home to a fire. XX/XX/XXXX thru XX/XX/XXXX - notified mortgage company of loss right away, once I received reports from City Fire Marshall & Structural Engineer, Property Adjuster for Insurance company of severe structural damage to property, requiring demolition & re-building from foundation. Along with a total loss to structure, I also sustained a 75 % loss to contents in home, including furniture, appliances, clothing, etc ; & home-based business equipment & customer files. A builder contract was received, negotiated & executed for re-building of home, & approved by Insurer ( Estimated re-build costs went from $ XXXX to Actual re-build costs of $ XXXX ). All paperwork was submitted to Mortgage company property loss dept to manage. Demolition to property did not occur until XX/XX/XXXX, due to delays in obtaining permits from City Govt. Actual re-building did not start until XX/XX/XXXX. In the meantime, I was placed in 3 different temporary housing locations with tremendous expenses to me. XX/XX/XXXX - XX/XX/XXXX - Period of time it took to rebuild my home & in the meantime, I had run out of any funds provided for contents ( which were severely depreciated by Insurer from $ XXXX to $ XXXX ) - subcontractors received majority of these funds to restore any contents that could be restored. ) to begin paying regular mortgage payments. The Mortgage Co did execute a hardship disaster Forbearance Plan @ a reduced monthly mortgage to {$600.00} vs regular payment of {$1600.00} ( XX/XX/XXXX to XX/XX/XXXX ). I requested a re-consideration of a loan modification thru the the Mortgage Co Re-Entry Dept to allow me a few months to regained my loss of home-based business customers, whose paper & electronic record files/contacts were lost in fire. I submitted all requested documentation to Mortgage for re-consideration. From XX/XX/XXXX to current, I was led thru endless negotiations/contacts with various Mortgage Reps, Housing Counselling agencies ( 2 ) to gain assistance, until I received notice that my home was in foreclosure, scheduled for auction on the County court house steps on XX/XX/XXXX. At one point, I was told to pursue a Quit Claim Deed to add my adult children to my Title/Deed, in accordance to a new FHA Guideline, under Mortgagee Letter,  XX/XX/XXXX, effective XX/XX/XXXX. I discovered thru legal aid for senior citizens, who tried to assist me in obtaining a modification without results, that this Quit Claim process was not a viable option either ( it was taking me down a " rabbit hole '' ). I finally sought a Bankruptcy attorney to help me save my home, until I was able to make alternative plans to live in a State that was not my home State. This past year has caused tremendous XXXX and XXXX XXXX on my & my XXXX adult son personal health. an