Consumer complaint received 02/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX ; and I am the daughter of XXXX and XXXX XXXX, whom has been trying to modify their home loan since 2009 with Wells Fargo Bank. Both XXXX and XXXX XXXX are senior citizens ; whom ages range from XXXX to XXXX ; to which I understand ; and am aware of the fact surrounding New Century, the New Century Bankruptcy and the XXXX XXXX XXXX XXXX XXXX. At XXXX is the very loan to which my father XXXX XXXX had executed was potentially predatory that was issued by the originator XXXX XXXX XXXX XXXX ; to which your institution was the servicer, as well the institution that offered modification of the loan ; to which your institution has violated the Making Home Affordable Program provisions. 

My father at age XXXX has been trying since 2009 to keep our home from being foreclosed. I and XXXX XXXX XXXX ( Modification Assistant, Paralegal and Family Friend ) ; has spent hours on the phone getting the runaround from your employees in the Modification Department, and in particular, on XXXX XXXX, Modification Specialist. 

And to say the least, it has been AGGRAVATING!!! No one has any solid reasons for the many requests submissions ; or why during our attempted modification, why any foreclosure attempt was ever postponed, much less the attempted sale of our home at an auction to which Wells Fargo was the highest bidder at the tune of {$1100.00} dollars ; way less than the purported actual monthly mortgage amount we were trying to modify. 

We were even belittled by XXXX XXXX when contacted after the purported sale and trying to get to no avail some word on our request. When XXXX XXXX XXXX stated to us that " HE THOUGHT THE SHERIFF WOULD HAVE BEEN OUT TO THE HOUSE TO PUT MY PARENTS OUT ALREADY ''. Is this the customer friendly attitudes of your employee that you expect? Is this an example of Wells Fargo Bank mission statement or any part thereof? Is this a practice of fair and deceptive trade practices ; and, moreover is this an example of fair dealing as it pertains to the consent judgment executed by Wells Fargo Bank. To say the least, I was utterly ashamed and flabbergasted to hear this kind of communication from your employee ; and the statement was made to myself and XXXX XXXX. 

Nonetheless due to the nature of the statement and the actions of your employees, I was left with no other choice but to ask the assistance of your agency for the violation of the HAMP Provisions and [ section 5, of the Federal Trade Commission Act for unfair and deceptive trade practices ]. Additionally, this has left us with no other choice but to contemplate and make final decision to take legal action in the Federal Jurisdiction of the United States District Court. 

In closing, I am thankful for your attention to the correspondence and hope to have a timely response ; as this is our 4th attempt to have your agency investigate this matter, as mentioned to your associates via telephone, the deceptive practices of Wells Fargo Bank is consistant and to date is continuing. We have made a diligent attempt to have your agency get involved and as yet we have not had any success. 

Very Truly Yours, XXXX XXXX, on behalf of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation