Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have attempted XXXX modifications on our mortgage loan. Each time Wells Fargo performs illegal tricks in order to deny us. On the first Modification we were approved and promised some XXXX which we did n't receive, this modification was a joke. On the second modification we applied because we were in danger of default, we were denied because we were current on our mortgage. On the third modification Wells Fargo requested document after document. We received word that our modification was approved and to wait for documents in the mail for us to sign. Then Wells Fargo foreclosed on us. CA State law is that while one is in modification the Bank can not foreclose. But foreclose they did and said, " We take no responsibility ''. Wells Fargo broke the law and they knew they were breaking it. We saved our home with an emergency bankruptcy which cost us XXXX. Something we should not have been required to do but we had no choice. On the fourth modification Wells Fargo added XXXX in imaginary income so that we would not qualify for the modification. They justified the XXXX we did n't receive with extremely vague reasons. We then went to Keep your Home California, they instructed us to request documents for a modification from Wells Fargo to begin the process of helping us. When I called Wells Fargo some guy started yelling at me that we do not qualify and that he was going to send us nothing. We contacted Keep Your Home CA and they said this would be bypassed for the moment. We were told by Keep Your Home CA that after they saved our home we could do the modification along with the XXXX the Federal Government was helping us with. Wells Fargo sent us recast documents to sign, the information on the documents were false. Wells Fargo called the Federal money that came through Keep Your Home CA a bona fide modification. Keep Your Home assured us that the funds they contracted to give to Wells Fargo on our behalf was Not a modifications and instructed us that they Keep Your Home CA does not do modifications. We refused to sign the false documents which angered Wells Fargo. Wells Fargo is now blackmailing us in order for us to sign the false documents. Using our home as blackmail. They have told us that if we do n't sign those documents with the false information they would send the XXXX back to the Federal Government and then foreclose on us. At this moment that is what they assured us they were doing. We were assured by a legal expert that Wells Fargo 's actions are illegal, we were told this is common practice from Wells Fargo. Also we were forced to pay double for our XXXX 2014 payment and we have a left over balance of XXXX. We have done to the best of our ability to work with Wells Fargo. The last representative we spoke to assured us that the money from the Federal Government through Keep Your Home CA is Not a modification but that it is a modification. Even though its not a modification it is nevertheless a modification and asked us if we understood these facts. My wife and I are XXXX years old and in bad health.