Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX, I had filed an initial complaint with CFPB against Well Fargo Hm. Mortgage Co., for their unethical procedures in trying to apply for a loan modification. I have been making an effort to work with Wells Fargo since XX/XX/XXXX to date. The biggest issue is that Wells Fargo has been going back and forth on my needing to get a quit claim deed signed and filed in court by my Co - Borrower, XXXX XXXX XXXX XXXX At first I was told by Wells Faro that they did not need the quit claim deed then they turned around in XX/XX/XXXX and requested it. I did get the quit claim deed signed by XXXX XXXX and please refer to the first complaint filed in XX/XX/XXXX where the court demanded a transfer fee for the property taxes that are escrowed and paid for by Wells Fargo that are not due until XX/XX/XXXX. Wells Faro had pressed me to pay the taxes before they would further review and consider my application. So the application was denied since they believed that I should have to pay the {$5500.00}. for the taxes. After 6 months of being pulled back and forth on this issue, I filed a complaint on XX/XX/XXXX against Wells Fargo with the CFPB. After the complaint was filed, then Wells Fargo elevated the complaint to the Office of the President and my file was suddenly reopened for review and reassigned to another specialist named XXXX XXXX who worked in the regulatory dept. XXXX XXXX, the Office Manager, had communicated with me that after my file was sent to the tax dept that the tax dept. 's assessment was that the taxes were the total responsibility of Wells Fargo to pay in order to file the quit claim deed and not my responsibility. On XX/XX/XXXX almost 30 days from the inception of XXXX XXXX handling my file, he finally informed me today that my application was denied because I needed to pay the transfer taxes in order to file them and that my application was denied also because of insufficient income. XXXX XXXX also apologized to me for the poor communication and lack of transparency throughout the entire process which only confirmed how unprofessional and this confirmed their unethical procedures in their process as well as all of the inconsistencies. XXXX XXXX was also very combative and scolded me because I asked him a question about how Wells would apply my late payment. He felt that I should not have asked him that as he reprimanded me and said that my mortgage agreement was the most important document that I would ever sign in my life and that I should have read the agreement. Furthermore, he stated that I just did not want to hear the word NO from Wells and that was my problem! This person should not be working with the public as he has no filter and what comes up comes out with him. I also had to remind him that he should not raise his voice when he was speaking to me at times. Then I received a letter in the mail yesterday from Wells Fargo from a XXXX XXXX stating that I was now assigned to her as my new specialist for this process as if I had to start all over. This was a very telling moment about the lack of credibility that Wells Fargo has and I also was very worried after reading the XXXX XXXX article in the newspaper about them and the lawsuit accusations of unauthorized mortgage changes. Wells Fargo has proven not to be a trustworthy. mortgage company based on their track record. I feel that they try to force foreclosure. However, after I make the XX/XX/XXXX mortgage payment, I will be less that one month behind.. .