Consumer complaint received 2016-08-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

Due to a XXXX as well as divorce, we have been trying to short sale our house for over a year now. Neither I nor my ex-husband can afford the home with the changes in our marriage and our finances. We have had a buyer who has been waiting this entire year to hear if the bank will approve our request to short sale. I 'm working with my realtor and my attorney to move the process along and we are getting NOWHERE! We provided all the necessary documentation in a timely manner at the beginning of this process. 3MNTH BANK STATEMENT FOR ALL ACTIVE ACCOUNTS, XXXX FORM, MOST RECENT XXXX, 2015 TAX RETURN SIGNED AND DATED, FINANCIAL WORKSHEET, HARDSHIP LETTER, 30 DAYS PROOF OF INCOME, BORROWER VERIFICATION FORM, THIRD PARTY AUTHORIZATION, ACCESS TO THE PROPERTY FOR APPRAISAL, LIEN RELEASE IF APPLICABLE. We have sent this to the bank more than one time because they keep requesting it! Some time ago I was contacted by my realtor and was told that now WellsFargo wanted actual copies of my personal household bills. ( why would they need this since they have my bank statements? ) I was extremely concerned with providing this as I felt that it was an invasion of my privacy not to mention probably against the FDCPA guidelines. I provided it because I was told that they would close my short sale file and move to foreclosure if I did not provide it. The request to short sale has been opened and closed so many times that I have lost count. I understand that they need constant updating of the docs, but if they had n't kept cancelling the file and not advising why, or cancelling it for XXXX reasons, we would n't be having to CONSTANTLY provide them with updated docs. We email, we fax, we call. What else is necessary is get an update and a message through! I am trying to do what is right to move this process along and keep hitting a brick wall. I have all the utilities on and am maintaining them even though I no longer live there. I go and take care of the lawn weekly and keep up with the maintenance. 
Most recently I was informed by my realtor that they needed him to remove the listing of the house from the market. As I remember it, the negotiator for the attorney, said that WF said that we needed to list the property as an " active '' listing in the XXXX at the purchase contract price for 30 days. He did what the bank asked and a few days later he was contacted by the XXXX and was told that he can not list a property " active '' if there is a pending contract on it, it is against XXXX rules, and that he needed to mark it as contingent again or he would be fined. Why would WF ask the realtor to do something that could potentially get him fined? After a few weeks and none of my attorneys numerous inquiries as to the status of the file, she was finally able to get someone to on the phone, she was notified that the file had been closed because we would not actively market the property in the XXXX. She argued with them and finally got them to re-open the file and here we are now, WF asking for the same information that we have provided for the last year. How is this right! My ex-husband is severely XXXX and all of this is causing him stress that is not necessary. At this point we are out of options as to how to get this resolved. I feel that this bank is not assisting us and could possibly be breaking several laws and regulations in the process. Please help!