Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

I am working w/a HUD Approved Counseling Agency to get a modification on my mortgage w/Wells Fargo. The following has transpired : 1. HUD Agency submitted all required documents to Wells Fargo, via faxed on XXXX/XXXX/15 - we have a fax confirmation showing delivery. 
2. On XXXX/XXXX/15 I received a letter from Wells Fargo with a copy of the " Third Party Authorization & Agreement to Release '' that was provided to them by the HUD Agency stating, " we are unable to identify/process the attached request due to the reason ( XXXX ) indicated below : Please provide the last XXXX digits of the borrower 's SSN or tax ID. 
XXXX. On XXXX/XXXX/15 I hand wrote the info onto Wells Fargo 's letter & faxed it them, as requested. We have a fax confirmation showing delivery. 
XXXX. As if XXXX I NEVER received a letter from Wells Fargo acknowledging receipt of my modification request and/or if I was approved or denied for same, as required by law. 
XXXX. On XXXX/XXXX/15 the HUD Agency called Wells Fargo - XXXX XXXX, & was told they DID receive the docs on XXXX/XXXX/15, BUT it was denied because they " thought '' the documents were in response to an appeal - I NEVER FILED AN APPEAL as I NEVER accepted the offer made because I was working with the HUD Agency XXXX Wells Fargo was aware of this because I called them and told them. XXXX XXXX assured HUD Agency the file would be passed on to the " reentry department '' for consideration. XXXX XXXX told HUD Agency Wells Fargo would contact me directly. 
XXXX. On XXXX/XXXX/15 HUD Agency refaxes same documents but included updated paystubs & bank records just to be safe. We have a fax confirmation showing delivery. 
XXXX. On XXXX/XXXX/15 I received a call from XXXX in the " reentry division '' @ Wells Fargo stating she needed more information from me. When I called back, I spoke with XXXX ( I was told she did not know who XXXX was XXXX & XXXX said that " my request for a modification was denied because I failed to make the trial payments. '' I told her I NEVER agreed to make any trial payments because I was working with the HUD Agency. XXXX said she knew NOTHING about a HUD Agency & that Wells Fargo did NOT have any paperwork from a HUD Agency. She also said that it did not matter because " I could not now be considered for a modification because I failed to make the trial payments & that they will begin foreclosure on my home. '' I asked XXXX to put me through to someone in the reentry department and she had no clue what I was talking about. I told her about the message that XXXX left me stating that Wells Fargo needed " more information '' but she said she could not help me - my modification request was DENIED. 
8. As of XXXX/XXXX/15, I STILL have never received a letter from Wells Fargo acknowledging that the HUD Agency is involved or that they accepted or denied my modification requested based on the HUD Agency 's involvement. 
9. Wells Fargo has violated the law relative to the HUD Agency 's involvement & for refusing to consider my request for a modification and/or by not notifying me, in writing, of same.