Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

A SHERRIFF SALE OF MY PROPERTY IS SCHEDULED FOR XX/XX/XXXX as a result of : -Misapplied payments ( from XX/XX/XXXX/XX/XX/XXXX ) of {$6000.00} & approx. {$4000.00} & Wells Fargo has provided no proof of where they credited these payments to me despite my numerous ( written & verbal ) requests to show proof. After Wells Fargo took my payments, Clarifying when I became delinquent " per the CFPBs mortgage servicing rules, never happened.

- I did not receive the protection that requires servicers ( Wells Fargo ) to  take adequate steps to delay foreclosure proceedings or sales. CFBP XX/XX/XXXX   mortgage rules ( The ability-to-repay rule & The loan originator compensation rules ) were violated when I requested a loan modification in XX/XX/XXXX/XX/XX/XXXX, but XXXX XXXX XXXX ( of Wells Fargo ) never acknowledged receipt of my application w/i 5 days, never asked for addl info. accordingly, left the loss modification app. & me in limbo ( by never notifying me of my loss mitigation application status ), left his position ( & as a result ) I was unsuccessfully passed around! I had no knowledge of my application status & it was never properly processed/completed. 

After many emotional & financial hardships, in attempt to save my home, as recent as XX/XX/XXXX, I spoke w/XXXX in the Wells foreclosure dept. ( XXXX ) & asked for a postponement of the XX/XX/XXXX Sherriffs  sale. I never rcvd it. On the same date ( @ XXXX XXXX ) I also spoke with XXXX XXXX XXXX of Wells Fargo Modification Dept. ( XXXX ; Ext.XXXX ) & she told me that she saw where Wells Fargo had put me on a trial modification beginning XX/XX/XXXX ; I told her that the PROBLEM was that they NEVER informed me verbally nor by written communication & they have no proof of ever doing so. 

I deserve the opportunity to submit a complete loss mitigation application ( 37 days before sale ) without my servicer taking foreclosure actions against me. XX/XX/XXXX I faxed a letter to the modification team requesting research on the missing payments, research on the XX/XX/XXXX modification offer, & suspension of foreclosure proceedings during this investigative time, but I never received any of the aforementioned. 

-I live in New Jersey & I applied for the Hardest Hit ( Homesaver/Homekeeper ) Plan, which, if approved, would significantly reduce the remaining debt ( the program gives up to {$50000.00} of assistance ; I only owe {$48000.00} ). Per the Hardest Hit Fund ( XXXX XXXX ), I have 30 days to submit some addl info. for reconsideration & then theres a 30 - 90 day processing time. I requested that Wells Fargo postpone the sheriff sale until the 30-90 days had expired ( at least ) ;  but Wells refuses to do so. 

- ( Approx XX/XX/XXXX ) XXXX XXXX of the Wells Fargo Exec. Ofc. ( XXXX ; Ext. XXXX ) told me that their re-entry team would call me to start the modification process but they never did. When I called her back and finally got her, XXXX apologized & said that she wasnt aware that theyd have to wait for the Hardest Hit Funds decision first. Nevertheless, she received the initial decision on XX/XX/XXXX, ( where I have to submit addl info ) & she never told me. THEN when I CALLED HER again she said that it was too close to the sheriff sale to give me a postponement ( even though she told me to wait! ) - from the beginning XX/XX/XXXX/XX/XX/XXXX, I have not received return calls from Wells Fargo as promised. Especially since XX/XX/XXXX until now, Ive been promised numerous return calls but have received none ( as promised ) from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & many others of the Executive branch, Modification Division, Foreclosure, etc.!