Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am the XXXX '' owner of a property in XXXX, NJ that was damaged during Hurricane XXXX ( In being the XXXX owner, I am referring to the fact that there are XXXX other owners who took care of the mortgage payments, and handled the business aspects of the property, so I was XXXX on the " chain of command '', this model that we followed had worked for 8 prior years ). Following the storm, we were given a grace period from Wells Fargo where we did not have to pay the loan. In the midst of all of this, we had begun the process of working on a loan modification, and once the storm happened things became very murky. The gentleman who we were working with was subsequently fired and we were shuffled around from XXXX mortgage consultant to another for a few years. While we were going through the modification ( and getting nowhere XXXX the company began sending out foreclosure letters on the property. We had not missed a payment during our duration of owning the property, and all of a sudden we were receiving foreclosure notices on the property ( again, all of this information at this point I had no documentation on since all of the correspondence was being sent to XXXX of the other owners XXXX. 
At some point during this process ( and you have to remember that Wells is a huge company and we were dealing with different people every time as well as the confusion of what was going to happen because of the storm ) we were told to " hold off on paying the mortgage '', via a telephone conversation ( as per XXXX of the owners XXXX XXXX ... again, I am the XXXX owner and received no direct correspondence from Wells XXXX. For approximately 18 months we were back and forth with Wells on the modification, and them releasing funds for our rehab on the house XXXX XXXX funds I believe ). Finally, last XXXX we began paying the mortgage again and as it was told to me the loan modification was going to be put in place XXXX around 2.5 years since we began the process ... before the storm ). 
It took a very, very long time and we were shuffled around to at least XXXX different people assigned to re-modify our original loan. All the while we were being lumped in with a gentlemen who was not paying his mortgage in another state with the same name as XXXX of the owners ( something about " living in NJ XXXX ... state law '' is what Wells called me during my correspondence with them back in XXXX XXXX. It took quite a while to clear his name and to prove that even though they had the same name, they were not the same person ... this was crazy!! ) Last XXXX I went in to my local bank to apply for a small {$50000.00} HELOC, and was denied due to the delinquency on the Wells Fargo. Obviously, this was a bit of a shock to me as I was never even informed that we were delinquent on the loan itself. I was told everything " third party '' by the owner who had received the correspondence from Wells. Finally, in XXXX we signed the documents for the loan modification ( again ... payments were being made since XXXX XXXX. As of today, Wells has not reported back to the credit agency that I " am in good standing " with the loan ... ..please help me in this matter. 
P.S. Since I have no contact with Wells, and did not know that I would be asked to submit any documentation that says I am in good standing with the loan, I have no physical documentation that says I am in 'good standing '' with the loan, but i would be happy to give them a call later today for anything they may be able to forward over

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