Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my job in XXXX due to complications with XXXX. My employer XXXX didn't want to accommodate my needs and not only terminated my position but also my XXXX. I was able to pay my mortgage for a little while from my savings but then I got behind. I went to Keep your home California for help. I qualified and they paid my mortgage for a year and placed the amount they paid at the end of my loan. I was still very sick after that since the doctors were not able to determine what was wrong with me. I couldn't get approval to go to work. I applied for SSI but was denied. I got desperate and started my own business. I then wanted to make my mortgage payments again but Wells Fargo refused to accept my payments. They informed me that I could not make a payment until I paid the amount that was past due. I could not do so because that amount had almost tripled since Wells Fargo added late fees, attorney fees, and court costs to it. I then applied for modifications in XX/XX/XXXX and XX/XX/XXXX. 4 modifications and all denied due to income requirements. I was never sent one shred of information on how that determination was made. I didn't even have a clue as to how much money they expected me to make even though I was in a HARDSHIP. I suspect that these calculations are not done fairly. Is there any agency that is tasked with checking these banks to make sure that they are following the FHA and other government rules/laws for each of these processes? Most recently in XX/XX/XXXX I applied for another modification because my doctor gave me approval to go back to work. I had a hard time finding a position because of being out of the workforce for so long. I was only able to find minimum wage job but I was offered some overtime. I submitted my paperwork for the modification and sent in a letter of explanation about an income deficit because of the holidays. ( I'm a XXXX. We are not needed sometimes during the holidays when relatives are visiting our patients since they usually handle our clients care. ) This letter was ignored and I was again denied. I appealed the denial in XX/XX/XXXX. I submitted a pay stub with a more accurate weekly amount for my pay. It was + {$430.00} per week. This by itself is an additional {$1700.00} in a 4 week month. I also submitted a letter that states I would make {$370.00} more per week for a new client I have. It is a husband that is wanting companionship for his wife for the nights when he has to be at work. This is an additional {$1500.00} per month for a 4 week month. I just got a call today that they are still denying my appeal and acting like I can not afford it. My income from the company I work for is about $ XXXX/month ( gross ) and then they non-employee income I have for my new client is {$1500.00}. That adds up to {$4700.00} per month. I also get an additional {$500.00} per month from my son for his rent contribution and he also pays the electricity bill. So that totals almost {$5200.00} per month for my income. Even with all of this added income Wells Fargo has DENIED my appeal on the basis that I can not afford a mortgage payment. I am attaching the letter for my new income and a copy of the pays stub with the more correct income on it. 

I truly hope that everyone reading my story will follow my lead and report this company to every single entity that will listen. Especially if you are being affected by it's shoddy business practices. Really all they care about are the $ . This company does not show one ounce of decency, understanding, or compassion towards it's customers. Wells Fargo not only needs to be shut down but every one of  their CEOs and other employees that condone their terrible business practices needs to be rotting in jail. They should not be allowed to run over people like they are trying to do with me and a lot of other people I know. Thank you for taking the time to read my complaint. I wish everyone the best that is having any issues with this company. I sincerely hope that justice prevails in the end.

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