Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
So this is wells fargos response : Thank you for the opportunity to address the concerns about the account. We determined the concerns were previously addressed and we didn't find any new information or significantly different details which would change our previous responses. Enclosed previous responses previously sent. We consider each of our responses to be accurate. We deny the request for monetary compensation as we confirmed there was no error in the servicing of the mortgage. We wanted to speak with you directly, but were unable to reach you at the numbers on file. We've attached a copy of our response letter. 

We knew this is a lie beefcake Because I was called. Of course I am being ignored because some reason you don't want me to get the XXXX you guys owe me for the pain and suffering I have been through since XXXX. 
The XXXX XXXX XXXX XXXX that I am seeking with is real. My home was stolen, taken from me. My beautiful home. I invested XXXX to buy How do you all let this happen and not care what harken to Americans especially a XXXX and XXXX for over 35 year. 

In XXXX when 1st applied for modification No one told me I could not get a hamp. It was only for FHA mortgages but I was put in a forbearance and I continued to pay my mortgage going to be approved. I was told my mortgage payments were going into a suspece account. Then every application I sent was lost!!! From XXXX, XXXX, now, XXXX. Finally in XX/XX/XXXX I received an email from XXXX XXXX that someone moved my file out of review but she was able to move it back in. I was approved for a modification but not a hamp. It was actually more then the original mortgage how does that make any sense. I signed because I didn't want to lose my house. Payments were to start XXXX. 
I want to make 1st payment. No statement was Received. I called wells fargo to find out about my statement. They said there would not be one I had to pay the mortgage over the phone. 
Isn't that illegal not to have a statement. I did not know how much was going to principle and much to interest. They totally took advantage of me and the situation. My 3 mortgage payments i made in forbearance in XXXX were missing. So i. Paid XXXX, XXXX, XXXX,, XXXX, XXXX XXXX by XX/XX/XXXX I had lost 1/2 my salary each month sheet the XXXX oil spill. I tried to find another job I was not getting any calls for interviews. My only choice was to apply again to try and get a hamp. I was working. 
This time something strange was told to me by Wells Fargo. I was told I hash to be in default before they can take my application thai I had to be 90 days late. I started crying. I didn't want to lose my home i just wanted help with the mortgage we couldn't sell. Person after person told me I had to be 90 days late in order to take my application. 
I had no idea I was being set up till be foreclosed on. I was naive. I thought ok at 90 days they will take my application and I would be approved. Nope not what happened ( we all know now at 90 days the PMI pays out ) At 90 days they till my application XX/XX/XXXX I very a call thai someone moved my file out of review and she can't get it back in ( sounds quite familiar to the email i received in XXXX from. XXXX XXXX ). XX/XX/XXXX i receive a new application by XXXX XXXX  and I fill it out and XXXX XXXX it back. I call 2 weeks later granted this was am over night XXXX XXXX mailer, I was told it wasn't received. I caked XXXX XXXX. I spoke to XXXX XXXX the supervisor of the delivery man and she sent me the signature page. While I am proving all this I receive a. Letter in the mail my case has been sent to foreclosure!!! I am applying for a hamp why am I in foreclosure. 
Then i receive a call from a XXXX XXXX. I tell her I sent my application via fed XXXX overnight mailer I am told it wasn't received yet I have a signature. I said please find my mailer. 
I never heard back from her. I was send XXXX The date? Significance? All lawyer offices are closed. But I Already had a. Lawyer went and signed documents for defense XXXX  The rest is on my docket at XXXX XXXX. My lawyer sent a discovery letter. One significant item how much was recruited in payout for insurance like PMI. 
Thai discovery item and all others never answered and we know the pmi was paid out after they told Me to be 90 days late. 
So we did a motion to compel discovery and no response. Case dismissed unfortunately without prejudice XXXX 
Me foreclosure case filed XXXX 
Unrelentlece souls. So we answer tyke complaints again no discovery answered all i get is mortgage application marked to me. 
For the sake of God I am in foreclosure. The Internet was a thing now. This same situation was happening to millions of people. They would start paying the trial modification 3 months as it says but then never get a permanent and then lose the house anyway. 
A total money grab situation. So my lawyer knew that was happening as well so I didn't want to lose my house anyway so my lawsuit continued. Weeks fargo hah me do a depo? Usually is the otherwise around but regardless by XXXX my mortgage went to nationstar They were ruthless as well. But truthful to the judge they had no original documents before a set trial XX/XX/XXXX. Trial continued. 
My mortgage must have been on the servicers auction because XX/XX/XXXX XXXX  stated calling me. At the same time I lost my lawyer. I picked up a new lawyer but not before XXXX could offer him money. So set trial XX/XX/XXXX Lawyer didn't do a motion to compel discovery The night before trial i had to settle because There was no discovery and I childhood be homeless my daughter was still home and we had 2 big dogs. I did not receive the settlement to sign for a month there was verbiage in the settlement we didn't discuss. 
My home was taken by fraudulent means by paid off officers of the court to look the other way. To say wells fargo is not responsible for my home being stolen is an.understatement. 
Wells fargo by its actions was directly responsible for my foreclosure. 
By saying they didn't call me in their response??? 
They keep sending me the packet of trial modification documents. I told Them I wag in foreclosure how can I apply? The internet was a thing everyone thai paid one of those trials never hit a permanent modification and lost their homes. It was a money grab situation while waiting for trials. XXXX eventually Happened to over 21 million people in the USA. 
So it would be best to send me my XXXX XXXX from the settlement so I can at least fix my roof since I had to buy a mobile home. All at could afford.

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