Consumer complaint received 2015-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

BRAND NEW WELLS VIOLATIONS : My bank 's servicing of my loan mod package is filled with inaccuracies I tell them about but they do not correct. Today is XXXX XXXX. Bank has a XXXX XXXX sale date and the guy in charge of my file STILL HAS NOT COMPLETED READING AND RESPONDING to my file. Servicer asked for XXXX extensions ( SIX WEEKS ) of extensions to get back to me on my file but still has not gotten me anything. Wells intentionally responds to an untimely manner -- always -- because their intention is to give the homeowner as little time to respond as possible, stacking the deck in their favor. The latest example : my single Point of Contact writes a letter before XXXX, dated XXXX XXXX, saying they are " trying to help me find alternatives to foreclosure but I need to call them. '' But this letter is not sent before XXXX ... it is n't even postmarked on the Monday AFTER XXXX. This letter is postmarked XXXX XXXX ( letter and postmark attached ) on the Tuesday AFTER XXXX ... and I do n't receive it until late in the day XXXX XXXX -- five days before my sale date, on a Saturday night. Why did n't Wells call me? I 'm easy enough to find and always take their call. Because while Wells said the matter was " urgent, '' they did n't actually inform me of the urgent matter until ELEVEN DAYS AFTER THE URGENCY! 
( 2 ) Bank did not re-run my NPV with accurate inputs or even re-run my NPV with their own XXXX appraisal. ( 3 ) Because Servicer has still not addressed my servicing complaints and my illuminations of significant inaccuracies and discrepancies in NPV and appraisal I asked for the Servicer to push out the sale date and Servicer said " we will not postpone the sale date even though I have not completely read your file or responded to it, no matter what you say. '' Really? No matter if you did a lot of things wrong and violated the law? ( 4 ) Servicer of my loan is still telling me, even at this late date and 3 days out from a sale, they I DO NOT HAVE THE RIGHT TO DISPUTE NPV INPUTS while the CALIFORNIA HOMEOWNERS BILL OF RIGHTS ( attached ) CLEARLY STATES I HAVE THE RIGHT TO DISPUTE " ALL THE NPV INPUTS USED IN THE NPV VALUE CALCULATION UPON WRITTEN REQUEST TO THE MORTGAGE SERVICER. '' C.H.B.O.R. applies to ALL LOANS so XXXX must correct and re-run my NPV inputs. ( 5 ) Again, repeating, because this is important : Wells intentionally responds to an untimely manner -- always -- because their intention is to give the homeowner as little time to respond as possible. The latest example : my single Point of Contact writes a letter before XXXX, dated XXXX XXXX, saying they are " trying to help me find alternatives to foreclosure but I need to call them. '' But this letter is not mailed before XXXX ... it is n't even postmarked on the Monday AFTER XXXX. This letter is postmarked XXXX XXXX ( letter and postmark attached ) on the Tuesday after XXXX ... and I do n't receive it until late in the day XXXX XXXX -- five days before my sale date, on a Saturday night. Why did n't Wells call me? I 'm easy enough to find and always take their call. Because while Wells said the matter was " urgent, '' they did n't actually inform me of the urgent matter until ELEVEN DAYS AFTER THE URGENCY! Why did n't they overnight me something? Again the answer is Wells intentionally responds to an untimely manner -- always -- because their intention is to give the homeowner as little time to respond as possible, stacking the deck in Wells favor. This is a violation of RESPA because it falls under what H.U.D. calls an " intentional pattern of non-compliance. ''