Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX during economic down turn I was XXXX off from my XXXX position. 
I applied for a hamp modification with Wells Fargo ( I was not aware that only government mortgages can get hamp i had a conventional. Wells fargo did not share this information because it was set up that every application they received they get XXXX . Non disclosure is fraud!!! ) while I was applying for other positions. i was put in a forbearance but continued to pay Because i didn't want to LOSE my house ( I am an XXXX state XXXX since XXXX ). I was told when I paid over the phone the money was put into a suspece account. They would not let me apply for the modification until I was working. XX/XX/XXXX i started a new position and I started applying for the Hamp modification. I was told to fax the application. I was also told to call 2 weeks later to see if my application was received. Why 2 weeks to process an application? I would call and every time I would call i was told there was always a document missing ( remember they got XXXX $ for every application they received ) about XX/XX/XXXX i received an email from XXXX XXXX my underwriter that someone got into my file and moved my file out of review but she will try and get it back in. I received another email that she was able to get it back in review and I was approved not for a hamp modification but a wells fargo in house modification that was more then my original mortgage. I accepted because I now had a job I am an XXXX. They added over XXXX to the original. Mortgage my payments made to the suspece account were no where and no one would help me. I received my documents mid XX/XX/XXXX and we had the documents signed and notarized and sent documents to wells fargo. My modification was to start XX/XX/XXXX. I was told there would be no mortgage statement and that I would pay the mortgage over the phone. I paid 5 months over the phone. XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. About XX/XX/XXXX the XXXX oil spill occurred. I was working in XXXX XXXX XXXX at XXXX at the time. 
Tourism basically shut down on the west coast of XXXX  and all XXXX states. The census at XXXX constantly went down weekly. So when the census was low I was called to stay home. 
Over the summer of XXXX i lost XXXX my salary each month. That modification with it being more then the original mortgage was getting very difficult to pay. So I called wells fargo about XX/XX/XXXX. Told them the issues related to the XXXX oil spill. I was told that in order to apply for the hamp modification i had to be behind in payments. WHAT. I DON'T WANT TO BE BEHIND. I DON'T WANT TO LOSE MY HOUSE!!! They told me I had to be 90 days late in order to apply for the hamp modification ( found out later in the movie the big short the banks bought insurance policies called shorts. If they can get people to stop paying their mortgages they can collect on these shorts. They also get paid the PMI insurance as well. The perfect crime ) after talking to every supervisor and crying i had comply. They are my bank and hold my mortgage. So in XX/XX/XXXX I applied. Sent my application fed ex this time because of so many issues with XXXX XXXX XXXX Called wells fargo with a hope counselor set up by Obama. Wells fargo had all my documents in order for approval. 2 weeks later mid XX/XX/XXXX I receive a phone call from my underwriter that someone got into her computer on her day off and moved my file out of review ( doesn't this sounds familiar ) but she was unable to get it back in. That i would have to reapply. So mid XX/XX/XXXX I receive my new application. It was due XX/XX/XXXX I send it XXXX XXXX XX/XX/XXXX. I waited 2 weeks XX/XX/XXXX to see if they received it. They tell me no. It was not received. I called XXXX to find out what's going on. I find the tracking # I find the supervisor of the delivery person XXXX XXXX. I said you need to help me please. Wells fargo states they didn't receive my package. 
So she said she would call. Well she calls me back and says no one answered she couldn't help me any more. I call wells fargo and explain this and then I am told they received some documentation but not all that I have to resubmit my application. I told them not until they find the my XXXX  i sent, it had all my personal information. I was waiting for a call back then mid XX/XX/XXXX I received documentation from a foreclosure lawyer. 
So apparently I was being dual tracked from the beginning of the 1st modification. Foreclosures were taking 2 to 3 years because of volume. In XXXX. 
XX/XX/XXXX we were served. I already had a lawyer so by XX/XX/XXXX we had signed the documents with the lawyer. 
By XX/XX/XXXX my case was dismissed because wells fargo did not produce any discovery. 
In XX/XX/XXXX we were served again. 
Again no discovery produced. Wells fargo made me and my husband do a deposition and then The entire time until XXXX took over wells fargo kept sending modification applications. I was Still waiting on my lost documentation. ( remember XXXX dollars they got paid for every application received regardless of approval ) then mid XXXX XXXX took over. Offered us a predatory modification after paying XXXX trial payments. So they continued the foreclosure trial SET? FOR XX/XX/XXXX but XXXX admitted to not having original documents and received a continuance from the judge. 

By XX/XX/XXXX vtrmg started calling me. New trial set for XX/XX/XXXX. I needed a new lawyer. That lawyer the night before trial XX/XX/XXXX i had no choice to settle or pay the lawyer XXXX to go to trial in which he said I was going to lose. 
Closed on my new house XX/XX/XXXX. Had to buy the only affordable home in the area which was a mobile home in bad condition We had to renovate. I am owe XXXX from a wells fargo settlement to st last pay for a new roof. But everytime i put in a complaint to the cfpb they send me a full package of all the modification applications they sent me. What I want is monetary compensation for what was done To me. I am a XXXX  XXXX of XXXX  years the most ethical of all professionals. XXXX is around the corner i am a XXXXXXXX XXXX XXXX. Unable to bounce back from all my equity meeting stolen from me Yes stolen!!!!!!!!!! The mortgage wasn't on XXXX  credit report at the time of the foreclosure, they're was no original note. 
Yes my home was fraudulently stolen from me. 
Thank you

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