Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been trying to do modification on my loan to save my house. I've gone through the process, jump through all their hoops, been given bad information and ended up being denied. I attempted to do on appeal but was told I was a day late turning it in yet when I called to get the specific date I was told XX/XX/XXXX it was due, which is the day that I turned it in and then was told I was a day late and they would not consider my appeal. 

Interestingly enough I received a letter in the mail on XX/XX/XXXX stating that I was turned down for my modification because I did not turn in my appeal in in a timely manner which this letter was dated the same day that my appeal was due which tells me that no matter what I would have done they still would have denied it. 

On multiple occasions I asked what information they use to turn down my modification I was never given any information just the runaround about interest rates changing and payment amounts changing and that the repayment plan would make it too much for me to pay back in a monthly payment and then the letter that I received finally gave me an amount that I would have had to pay back per month in order to get back on track. Had I been given this option there would have been absolutely no problem whatsoever of me making the additional add-on to my monthly payment in order to get myself back on track. 

I have never been notified that my house is up for sale for foreclosure The only way that I found this out was that I happen to go online and found it there. With some notes telling me to call my specialist who refuses to speak with me respond to my emails and or return my calls. The only response I get from her is through snail mail. She has sent me a letter telling me My modification was denied and the letter was dated XX/XX/XXXX I received it on XX/XX/XXXX and that was the letter telling me how many days I had to appeal which was 20 calendar days but I only got 10 calendar days because it took 10 days for me to get this letter. I am currently working with a HUD specialist and even she is having difficult dealing with the mortgage company and getting information or getting any type of cooperation. 

I am doing my utmost best to save my home but I can't do that because Wells Fargo absolutely refuses to work with me under any circumstances. They claim that they don't want to foreclose that they want to help you save your home yet they are doing everything in their power to make sure that I can't save my home and making it completely impossible to give them everything they need because every day it's a different thing they need and every person you talk to is a different explanation nothing makes any sense. I'm not the only one that feels this way my hud specialist has had the same difficulty as I have been going through. 

NOTE : I DO HAVE SOME CORRESPONDENCE FROM WELLS FARGO UNFORTUNATELY THEY ARE NOT ON MY PHONE BUT I'D BE MORE THAN HAPPY TO FORWARD THEM UPON REQUEST.

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