Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During a divorce settlement I was awarded the home and part of the decree was to refinance in my name only. I began that process in XXXX XXXX. My bank is wells fargo/ASC. ( American servicing company ) I used a third party broker to manage the process for me and after several months I was approved for the HAMP program. XXXX of the requirements was that my ex wife sign a quit deed prior to closing. She would not, because she would give up rights to the house and still have the financial burden. 

As soon as Wells Fargo found we were looking to modify our loan they wanted to be our new best friend. They have done nothing but XXXX it up and to this day continue to keep the process from moving forward by providing outright lies to my ex-wife about the process. They certainly do n't want me to qualify for HAMP, it 's not in their best interest because the house is underwater and they would have to give up their 6.5 % mortgage which increases again XXXX XXXX. Now they begin a campaign of sheer confusion. I receive a letter regarding the program and notified the clerk ( to be named ) that we were using a third party and thank you. This person on almost a weekly basis would send a package of documents to my ex wife to be filled out. We explained that it was me, not her that was trying to qualify and asked him to step out of the process, we had it in hand. The overnight packages continued to my wife with the same old requests about her financial information. This shed doubt with her about the program because she could n't understand why he would continue. He has never contacted me personally or responded to any emails. 
I was eventually approved under the program with a lower home value and lower interest rate which provided savings of {$1000.00} per month. I 'm XXXX and live on social security and now that I have the burden myself of the mortgage I needed assistance. I received a letter from someone at Wells Fargo that has never returned my call that said they power of attorney to negotiate with my broker. Unless it was snuck into the mortgage paperwork, I never signed any such thing. This started in XXXX XXXX and now it 's around XXXX that we start running out of time due to the program ending XXXX XXXX. My ex wifes attorney calls and asks this clerk about my process and he told the attorney my loan did n't qualify for FHA refinancing. That 's fine, I was applying for a modification which it fell into as a category. Based on that my ex wife 's attorney sent an email rescinding interest in signing a quit deed. Now I 'm XXXX. It 's not easy to qualify, you have to provide tax returns, financial statements, a hardship letter, and with XXXX intentional lie this bozo wipes out 5 months of work. The house is worth less than the mortgage outstanding and have really to options, require these people to stand up and be a legal corporate citizen or bring a moving truck and let it be, they will be the proud new owner of a home I can assure you they wo n't want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation