Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was paid ahead on my mortgage due to bi-weely payments. I was about to have a reduction in my child support so I called Wells Fargo to seek a loan modification on my mortgage, thinking the possible reduction in my mortgage would make my finances easier to manage. I was instucted at that time to stop paying my mortgage and fall three months behind because that was the only way I could apply for a loan modifcation. Once I fell three months behind, which took about six months because I was paid ahead, I reached out to WF bank and they took an application for a loan modification. They kept requesting the same documents over and over and strung the process out even though I was being assisted by a loan modification agency on XXXX XXXX XXXX XXXX XXXX. We did everything they asked us to and sent all documents. Wells Fargo and the assting agency assured me that as long as I was in loan modification status my home could not be foreclosed on. They never approved my loan modification and continuously requested documents previously submitted multiple times by the agency and myself that were sent to them. A friend called me one day and informed me my home was on a foreclosure list. When I called WF to inquire about the foreclosure info they assured me I was not. But then the letters started to come from their attorney and the harrassment began. WF denied that the foreclosure process was valid. They instructed me to ignore the letters from the attorney as they had me in loan modification status and I was fine. But the letters kept coming and they reported they would reach out to the attorney and they had the final say over all foreclosures. Through the process of the foreclosure it was discovered that Wells Fargo was only my loan servicer and NOT my lender, when asked to reveal the lender, they could not and on 3 seperate occasions provided 3 different alleged lenders to include a warehouse but Never themselves. When I requested to have the courts review my note, WF attorney said they had it in a vault in their office. I asked the judge to make them present it to see who I owed and she did not. I later found forged documents in my paperwork and robo signed documents by XXXX XXXXXXXX  In spite of all of this being clearly brought to the judges attention she ( XXXX XXXX, XXXX XXXX XXXX  allowed my loan servicer to take my {$120000.00} home with no loss to them ever being verified. As a result my family and I ended up homeless. I had lived in my home for 20 plus years at the time, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX, FORECLOSED and evicted by sherriff 's office ( beginning XXXX - XXXX XXXX ) When we went to the sherriff 's office to try to make them aware it was an illegal foreclosure and to get paprework stamped the sherriff made us wait a long time, came out and kept his hand on his weapon the whole conversation eventhough we wer orderly and civil.

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