Consumer complaint received 2015-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

`We received a mortgage from Wachovia mortgage in XXXX XXXX. We were told and have proof in our paperwork that the payment we exect to pay was XXXX amonth. When we received our XXXX statement in XXXX XXXX the payment was XXXX. When we inquired we were told this was our payment. We struggled for2 years trying to make this payment, cashing in our retirement, savings, and anything of value we had to keep out of foreclosure, trying to get a modification. 
We were granted a modification in XXXX XXXX with a payment of XXXX. We made our payments well before th due date of ech month during the TPP. I have documents to prove this. In XXXX of XXXX we received a letter from Wachovia stating that wells fargo was taking over Wachovia and that our modification WOULD BE HONORED by wells fargo. We Made our Final TPP payment in XXXX XXXX. I called a local Wells Fargo Mortgage to fnd out where we should pay our mortgage and was told any local wells fargo bank. We Did thisIn XXXX we started getting calls from Wells Fargo stating that we owed almost XXXX because " We did n't pay our mortgage ''. I sent all of our payment receipts via certified mail, they were signed for but what happened to them I do not know. 
We received a packet from Wells Fargo with a modification wih a payment XXXX a month. We did not accept this because it was not the amount we had originally agreed to with Wachovia, nor were we ever told that our payment would increase, It was quite the opposite.When we called again we were told that the original payment was too low.? 
We litigated from XXXX XXXX until XXXX of XXXX. We never got an opportunity to get in the court room, there was a decision made against us 1 week before our scheduled court date, we were NEVER notified that there was any change in the court date. We had a family friend who is an attorney contact wells fargo and we recieveda modification for XXXX husband was seriously ill Beginning in XXXX XXXX until XXXX XXXX XXXX We were surviving on my income alone which is not enough to sustain the household alone. In XXXX XXXX We were contacted by Wells Fargo and started the modification process being told we were a perfect fit for their programs. 
We complied with every request, supplied all the documents necessary. Only to be passed off from XXXX rep to another. We received a decision t deny a modification. K appealed and they denied again. Now we are being told that they can not help because we had a modification in XXXX and XXXX. 
!. they never honored the XXXX in XXXX, yet hold that against us. 
XXXXWe can apply for a modification XXXX a year according to XXXX XXXX 
But because the decision came in XXXX XXXX, stating we do n't fit the criteria what is the criteria? XXXX were never told what criteria we do n't fit. we cant get a modification???? 
XXXX we are under water with this mortgageXXXX. we had a temporary financial setback XXXX. if we cant afford the mortgage now, how could we afford it in XXXX when our finances were XXXX less per year? but were granted a mortgage. 
I refer you to XXXX VS Wells Fargo XXXX The Emergency Economic stabilization Act and ask that you please help us keep our home with a reasonable payment. 
Our XXXX, our marriage has suffered due to this situation, it has been 8 years I have been fighting this. 
I have all documentation to back up every word in this complaint, an would be happy to forward it to you via certified mail, it is far too much to attempt to attach to this complaint via web.