Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/XXXX my mother passed. I then took power of her estate. My children were already living in the home with my mother. I never assumed the mortgage. After about 3 months I called Wells Fargo to question the PMI on the home and if my mother had over coverage I was informed ( several times ) over the next 4 months no & it would not be dropped till I assumed the mortgage. I did get a lawyer and get the title in my name. In XXXX of XXXX my company which served as two incomes for me closed & their were none in Maryland. I was employed with in a few weeks of them closing I contacted Wells Fargo in XXXX and Informed them of what was going on and that I would receive unemployment shortly they said to make a payment as soon as I can. I called them in XXXX to pay 2 1/2 payments of the 3 that I owed and was told that they was unable to take the payments and it would need to be paid in full ( I have proof of contact for dates ect ). Thats all I had for the time being. I was told later they could have put the payment on the back end of the mortgage or I could have paid XXXX to XXXX more for a few months to catch up. At that point XXXX set in and it was building after about 3 weeks of 100 different answers from Wells Fargo someone threw a call one day suggested that I try for a modification. All I asked was if the PMI was dropped on the home it would bring the mortgage payment down by XXXX to XXXX a month less then XXXX and I could breath. My mother died young and worked very hard to keep this home. Im now finding out that Wells Fargo has possibly committed a breach of contract with my mothers mortgage as well as with the handling of the PMI Insurance on the home. I have filed paperwork with a Maryland senator as well as file complaints against Wells Fargo with their own office due to the first part of my trying for a modification I was discriminated against and told that I would never be able to afford this mortgage it was investigated by members of their staff room I do still have messages as well as contact information and dates and times and was found that I was discriminated against by an employee and stay in return gave me a chance for another modification. I have Been through two different lawyers discrimination with them lied to as far as the terms of my mothers mortgage and the whole time Ive Only wanted to keep the home. I am finding out now that there was several other actions that could have been taken and they should have directed me to HUD or FHA Due to the mortgage and that is who would have handled the PMI. That was never done they automatically sent me into a modification due to their tactics of sending people to modifications knowing they will disapprove them for their own reasons to ultimately send the homeowners into foreclosure with the homes. I am in the process of communicating with several lawyers to investigate the terms of my mothers mortgage as well as the PMI on the home which is why I believe Wells Fargo continue to deny me for the modification because they would intern receive a {$200000.00} payout as well as still be able to sell the home. This is unfair it is unpractical it is everything that goes against anything that they are supposed to stand for This is unfair it is unpractical it is everything that goes against anything that they are supposed to stand for. I do not in tend to quick even if I cant stay in our home I will continue to push this issue and I will continue to go after them for what theyve done to myself as well as my children and my mother. There Has to be justice for this to continue especially with this company for these modifications and what they do I am now because of two lawyers out of over {$3000.00} there is seven people in the home that will have to relocate as well as we may have to relocate out of state I also filed against the attorney who did not follow the correct paperwork to stop them from being able to file the lift the stay in my chapter XXXX I will also have to claim in chapter XXXX meaning I can not do that prior to moving this has utterly and completely calls me beyond stress from the beginning it was something that Wells Fargo couldve very well put one and a half payments behind me or possibly had me paying I am now because of two lawyers out of over {$3000.00} there is seven people in the home that will have to relocate as well as we may have to relocate out of state I also filed against the attorney who did not file the correct paperwork to stop them from being able to file the list of stay in my chapter XXXX I will also have to claim a chapter XXXX meaning I can not do that prior to moving this has utterly and completely calls me beyond stress from the beginning it was something that Wells Fargo couldve very well put one and a half payments behind me or possibly had me Pay extra XXXX to XXXX a month in order to catch up on the payments or directed me to Hud to deal with the PMI on the home that was no longer required there was so many other ways that we couldve went about this over a payment that was only a month and a half behind because I had the rest of the payment