Consumer complaint received 2015-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I bought the house on the last day of XX/XX/XXXX. I payed my regular mortgage until XX/XX/XXXX. Then in XX/XX/XXXX I became 6mo behind in my property tax. Before I knew it I received a letter stating that Wells Fargo who is my loan service r had payed ( without my knowledge or consent ) a total of 18mo of my tax debt. ( The 6mo I was behind and an additional 12mo in advance! ) Upon receiving this notice I was informed that I would be billed for this tax payment and further there would be a fee assessed to my account. At this point I do n't recall whether or not the bill was added to my monthly mortgage but I do recall that it was shortly after that letter that I started falling behind in my monthly payments. I called Wells Fargo with regards to the late payments and they informed me that I could receive a loan modification, but I would have to be behind in my payments by at least three months. After three months I was able to apply for a loan modification, so I proceeded to send Wells Fargo all the documentation that they required to complete a load modification. After months of sending Wells Fargo paperwork almost every other day, the modification was never complete. This paperwork nightmare continued for the next 5 years!!!! Paperwork has been a continuous problem ... ... All the paperwork that Wells Fargo required had to be faxed, so after months and months of Wells Fargo telling me that they had never received my faxed documents i started to fax my documents to Wells Fargo from a Wells Fargo Branch, in hopes that they would no linger tell me that my documents could not be read or had not come through. I spoke to Wells Fargo every day including Saturday 's about this " required documentation ''. While I was at work I would even call them through my lunch hour in hope 's I would be able to complete the loan modification process. 
Because of a required timeline by Wells Fargo, on loan modification paperwork, the incessant delays on receiving my documentation would require me to start the application all over again. Even going into on there very own Wells Fargo Branch did not curb the delays and I can only imagine I have been through the Wells Fargo Loan Modification process XXXX times or more! Let me be very clear the stalls in the process were created by Wells Fargo and not myself. For example, I have been employed as a XXXX for the last 15years by a local family. Wells Fargo refused to agree that I am employed and stated to me that I was self employed. By making this allegation, it would change the documentation that was required for the loan modification. Some of which was impossible for me to complete due to the fact that it did n't apply to me.This one example took months for me to complete and only after a great deal of phone calls and paperwork would they finally agree. And I would have to start the application all over again. 
I have been informed that through Wells Fargo I have had and do have a Home Preservation Specialist. However over the past 6 years I have not been able to speak to the HPS person but XXXX time. 
Due to lack of time and characters I will sum up with this ... .... 
I have had documents forged, documents that I have never seen before arriving at my door and seeing my signature on them. I have been lied to and manipulated for years now. Wells Fargo in now foreclosing on my house and it is like I have had no opportunity to do anything about it. 
Going all the way back to Wells Fargo paying my taxes it is clear to me that I never really had a home Wells Fargo had a home. If it was my home I would be able to at least define when and how my tax 's get payed. 
Unless Wells Fargo gives me the opportunity to do something with this home, I am left with no other option to seek legal assistance, to move forward with a lawsuit. 
I would also like to note that there are many other issues that can not be addressed here. 
Thanks for you time.