Consumer complaint received 2017-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I started dealing with Wells Fargo Home Mortgage over one year ago ( I believe it was XX/XX/XXXX ) in order to get a loan modification, when I realized I would not longer be able to keep up with my monthly mortgage payments in the amount they were at. The loan was current and in good-standing at the time. <P/>I entered a trial period with WFHM in XX/XX/XXXX. I made 2 of the 3 required trial period payments and when trying to make the 3rd payment I could not get through to my Home Preservation Specialist. I received a letter notifying me that I had been dropped from the program due to not meeting my trial period, even though it was NO fault of my own. I called and was told I would have to reapply. <P/>During the reapplication process, I received a letter of foreclosure on my door in XX/XX/XXXX/XX/XX/XXXX ( which my XXXX year old son saw! ). I wrote letters to both the attorney listed AND WFHM Home Preservation department about the situation. I received a call back and was told that I DID N'T have to completely reapply and should have never been told that, that I just needed to ask to be reinstated in the program. After getting reinstated in the program, I have had nothing but runarounds on exactly which paperwork was needed and how it needed to be worded ( I had switched jobs during the application time and they needed verification of income ). I finally got entered into the trial period AGAIN. I have made all 3 trial period payments to-date and was approved for final modification. The start date would be XX/XX/XXXX with no payment due in XX/XX/XXXX. The paperwork for final signature was sent to me with my ex-husbands name, who has no stake in the property ( and was never on the original loan ). I called and reminded WFHM that I had a quitclaim and divorce decree and XXXX XXXX ' name needed off the paperwork. I faxed the quitclaim and divorce decree to WFHM immediately. I was told it would take a possible 150 MORE days to do a new title search. <P/>Through much trouble I was able to get WFHM to complete the title search in 48hrs.I NOW am being told that it will take ANOTHER 30 day or more to redraft the paperwork for me to sign. No one at the company, including the Executive Office AND the Office of the President, can manage to tell me what the new dates on my paperwork will be and if I owe a XX/XX/XXXX payment or not. <P/>This has caused a HUGE amount of XX/XX/XXXX and XX/XX/XXXX on me, as well as my XXXX year old son who has XXXX XXXX XXXX and XX/XX/XXXX - who has unfortunately seen the letter of foreclosure and overheard phone calls to and from WFHM and constantly asks me if we 're going to lose our home and he 's going to have to move. This has also GREATLY affected my credit score because it 's been drug out so long with XXXX and is now being reported to the credit bureaus as significantly delinquent, as well as the amount being sent to HUD by WFHM ( that I will be responsible for upon end of loan term, pay-off, or sale of home ) has TRIPLED since they have drug this out so long. <P/>At this point, I still do n't know where things stand and no one at WFHM is able or willing to provide the information. <P/>I have phone records, email correspondence, mail correspondence, etc ... that can be provided as proof of my claims.