Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
to whome this may concern..this complaint is to wells fargo bank mortage...in XX/XX/XXXX of  XX/XX/XXXX.i received  a letter from an attorney claiming that I was  2 two months behind in my mortage....rite away I called  him and he said  that I must call wells fargo bank mortage  to reinstate the loan..i called wells fargo rite away  and they said call back next day,,,the very next day I called  around noon time..i talked to a representive   for about half hour...she then  told me I would need too be tranfersed to another department..i was transferred to wells fargo loan modification  department.....I talked to a wells fargo home specialist by the name of XXXX,,he said he would send me out a loan modification  package ..I just kept trying to tell XXXX where can I go to reinstate my mortage loan..but XXXX said I would need to complete application...  ok I got the application and it was  a lot of pages which was no problem...in the  hpme loan modification application their was a hardship letter I had to fill out,,i had to explain  in the hardship letter why I  got caught behind,,i explained because of the low unemploymen rate .I was laid off..but I was approved for unemployment benefits..but I have the money to reinstate  my mortagage loan....I filled out the complete  package..and mailed it  back to..wells fargo bank,,to XXXX,,,I called him back a few days after..he told me that he received the home mod package..and that he would review it and get back to me...I explained to him can I just got and make the  mortage payment...he said just give him a couple of days,,,,,i waited a week called him ,,he said he is still working on it...I called the second week and he needed  some more document..which I told him I sent it with the package..he  claims its not in the package..so he sends me out  some other  paper work ..I filled it out again and sent it back to wells fargo XXXX...call him tws days after,,yes he received  ur docs...he told me he would get back to me ..I waited almost a week and a half,,i called XXXX ,,he said he is still working on it,,he will call me back...I said why cant I go and make mortgage payment.he said  soon as he finishes package..one month has passed and I call to speak to a boss or supervisor..i explained to him that XXXX was  taking care of my  loan...spent 1 hour on the phone with him,,,he said they will be intouch with me,,,i kept telling him I just wanna reinstate my  mortage loan..,,its been over a month ,,,he said they will get back to me.....during the waiting period I would leave messages on XXXX voice mail asking him if he needs any documents..me and my wife sat down and said that it will be ok,,,we owned our house since XX/XX/XXXX  always on time with our mortage payments..we finally get a response from wells fargo...another home modification loan application,,this time its from another home preservation specialist,,,and her name was XXXX...I called her and she said XXXX  no longer work fro  wells fargo banking...this is now 2and a half months now,,she said I would  have to fill out another ,new complete home loan modification  package,,,..i was so angry  but happy in a way ..ok took me two days but I sent back the package to the new   girl XXXX.. she said  she received it and would get baack to me..it took her 3 weeks  to respond back to us,,,her response was that she is still working on it...another two weeks passed and we received another half package ..,we filled it out and sent it back...it came to a point where I would call XXXX   and ask her whats the hold up..we sent  wells fargo  3 sets of the package,,her response is that im not the only  case their working with..come on its now going on six months...we eill get back to to...three weeks pass XXXX calls me and tells me they misplaced our package..we need to fill out another package,,wow,,wow,,,no big deal,,ill just send  them one,,i got multiple copys of everything now..next day I sent it in... this home loan modification that wells fargo said will help us wasn't going to good,,its  been over 8 months now,,,so far its been no answers..5 home modification packages...and a lot of broken dishes and furniture,,because me and my wife for 32 years been fighting like cats and  dog for months now...I blame her  she blames me..we keep getting  forcloser letters from wells fargo bank..every day two or three letters ,,we got confused because were hopeing  the get a home modification loan ,,and all we get is forclosure  letters,,,not  one letter from the home loan modification department,,,,,we been paying   20 years on our mortage,,5 and 3/4 interest rate..we bought the house  for XXXX XXXX...and with all that interest over the years u would think wells fargo the XXXX XXXXr would atleast work with us..,me and my wife went thru hell and paid our mortage payments on time for years  for over 20 years..we depended  on that house for our retirement,,we worked hard to pay for that house..we  put a pond with real  fishes in it..we  had a company install a XXXX XXXX dollar kitchen with real granite  countertops..we had 3 huge pergolas in our back yard ,,im a XXXX for over 3o years,,i made that house so beautiful,,new sideing  new windows,,  me and my wife never had thoughts of looseing our house.,,months  had pass,we kept getting letters saying  they will give us XXXX XXXX if we move out and short sale the house..they were ..we  got some advice from XXXX that we should  file for bankruptcy ..  .tears r coming out my eyes rite now as I write this complain because I was robbed of my house..all we wanted was to reinstate our loan,and soo we di desperate to save my house we both  filed for chapter XXXX ...we had no options,,we kept getting eviction notices from sheriff department,,,their was soo much  things that wells fargo did that bought tears to our eyes ,,that whole home preservation thing is a gimmick,,,they never once tried working with us..shame on u wells fargo. eventually  wells fargo got the house ,,we got a real estate lawyer for XXXX, but ,,I just wish wells fargo  didn't  take our house away,,,i learned about this website tru my mortage /broker..i never knew this website existed ..I am trying to get a mortage .

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