Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I am writing to you to make a complaint against Wells Fargo Mortgage per my attorney 's advice. Back in XX/XX/XXXX, I was contacted by Wells Fargo telling me I qualified for a loan modification. I was sent paperwork, sent it back, received paperwork saying I was approved, sent that back notarized by my attorney in the UPS envelope they sent me and I was told to to start making new payments, which I did. I made XXXX payments to my local Branch in XXXX, NJ. When I went to make the XXXX, I was told they could n't take my money and to call headquarters to find out why. I called to find my home is in foreclosure for not making the past XXXX payments, which I did. After a month or so of making calls trying to speak to a supervisor, I finally hired an attorney to help in this situation. After about a year, we finally received a spreadsheet from Wells Fargo showing I made the payments, but the money was deposited into an unapplied fund account. Then after numerous phone calls and emails I was told that I never had a modification loan. Even though I have the paper work saying I was approved and a new payment amount. My home has been up for Sheriff 's Sale numerous times, which forced me to file for bankruptcy, just so I would n't lose my home. In XXXX, I made a deal with Wells Fargo to pay off my Equity line, with my attorney 's OK of course. I did with a promise from them to work with us finally on the original mortgage. My house was appraised at XXXX, Wellls appraised it at XXXX, but I only owe XXXX. My tax returns and all the P & L 's sent in are satisfactory for a new loan. Every time my house goes up for sale, my attorney and I send in packages for modification with Wells saying, they will take the house of the auction block, and review it.Then it goes back up for sale and a letter from Wells saying they did not have time to review my situation, which makes me have to file again. This has happened several times. Every time my house goes up for sale, we have people coming into the yard, looking through windows and scaring my wife and children. My attorney has many e-mails that he has sent that have gone unanswered. We also had help from Senator XXXX office, ( XXXX ), who has also sent dozens of emails to Wells. Concerned about possible fraud and now not wanting to work with us in a good faith like they said they would if I paid off the equity line. Equity line was paid off in XX/XX/XXXX. I have pay off proof from Wells, but I started to get bills for that loan again in XX/XX/XXXX. I feel as though people at Wells are not too competent in their jobs and have a lack of communication between departments. It is now XXXX and I am still at risk of losing my home, even though I show I can pay for it. My attorney seems to believe that Wells can make more money from selling my home then helping me. It also burns me up seeing news about all the fraud this bank has been accused over the past few years. I hope this complaint is taken seriously so it does n't happen to anyone else. I say to myself everyday, that I wish I never answered the phone back in XXXX. My attorney has numerous letters and emails that he has sent to Wells that have gone unanswered. If you would like to review them, I can give you my attorney 's contact information. There are too many to send with this complaint.