Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Inactive modal Start a new complaint All complaints XXXX complaintCLOSED SubmittedSTATUSPRODUCTISSUE We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; orSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; orLet you know if we need more information to continue our work. 

YOUR COMPLAINT In XXXX during economic down turn I was laid off from my XXXX XXXX. I applied for a hamp modification with Wells Fargo 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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 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 XXXX 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 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. The Mortgage my payments i 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 ( that is very illegal ) you know every homeowner by LAW has to have a mortgage statement. I want to know How did wells fargo get away with NOT sending me a mortgage Statement while I paid for my modification. I paid 5 months over the phone. XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. About XX/XX/XXXX the bp oil spill occurred. I was working XXXX XXXX XXXX florida XXXX XXXX at the time. XXXX basically shut down on the west coast of Florida 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 bp oil spill. I was told that in order to apply for the XXXX  XXXX  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 again for tyke XXXX Sent my application fed ex this time because of so many issues with THe faxes. Called wells fargo with a hope counselor set up by XXXX. 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. I have included the email from XXXX. From XXXX XXXX telling me the same story ) but she was unable to get it back in reviews. 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 fed ex XX/XX/XXXX. I waited XXXX 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 no. Not until they find my XXXX  i sent, it has 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. Now they I think back when I signing my modification documents. Even though I was paying MORE then the original mortgage it stated that I would be paying Less then the original mortgage. This statement was to put me into a deficit so they can foreclose / dual track me. Because in florida Foreclosures were taking about 2 to 3 years because of volume this was one way to keep us inline for foreclosure That's just horrible and wells fargo Should be solely responsible for me losing my home and all my retirement equity. You NEVER TELL A HOME OWNER NOT TO PAY THEIR MORTGAGE IN ORDER TO APPLY FOR A MODIFICATION. 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. MY LAWYER ASKED FOR ALL INSURANCE MONIES RECEIVED IN RELATION TO MY MORTGAGE WHICH MEANS SHORTS AND PMI PAYMENTS. NOTHING RECEIVED On XX/XX/XXXX we were served A XXXX TIME Again no XXXX 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. AND AFTER EVERY SINGLE CFPB COMPLAINT I AM SENT ENTRY APPLICATION AGAIN!!! I was Still waiting on my lost documentation. then mid XXXX XXXX  took over. Offered us a predatory modification after paying XXXX trial payments. XXXX HAD NO DISCOVERY SO THEY ASKED FOR A CONTINUANCE FOR MY foreclosure trial SET FOR XX/XX/XXXX AND THEN XXXX admitted to not having original documents. By XX/XX/XXXX vtrmg started calling me. New trial set for XX/XX/XXXX. I needed a new lawyer. MY LAWYER WAS DISBARRED. That NEW lawyer HAD NO DEFRNSES FILED SO 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 oweD XXXX from a wells fargo settlement FOR ALL THE HORROR WELLS FARGO PUT XXXX THROUGH AND THE XXXX IN MONIES WELLS FARGO MADE XXXX PAY BEFORE APPROVING OUR MORTGAGE. WE CAN NOT RECOVER FROM THIS I AM XXXX AND MY HUSBAND XXXX ALMOST XXXX. HE DOES THIS YEAR. WE LOST ALL OUR EQUITY IN OUR HOME WHICH WAS OUR RETIREMENT SAVINGS. I AM OWED THE XXXX IN WELLS FARGO SETTLEMENT MONIES. 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 florida XXXX of XXXX  years the most ethical of all professionals. Retirement is around the corner i am a XXXX XXXX XXXX  Unable to bounce back from all my equity BEing stolen from me Yes stolen!!!!!!!!!! The mortgage wasn't on the credit report at the time of the foreclosure, they're was no original note. Yes my home was fraudulently stolen from me. 

My response to my last complaint Hello I am a florida XXXX of XXXX XXXX to finish XXXX  years as an XXXX. By no means would I lie about what happened to me. Regard who the next XXXX servicers were I was lied to. XXXX modification were only for government loans I had a conventional mortgage no one told me they just key me apply and if course told me in XXXX that I can only apply if I was in default????? I am an XXXX lol at my social security I always worked I lost income for top tyke bp oil spill I wanted a modification to help us. Also it is a federal violation to refuse to send me a mortgage statement. I paid the XXXX modification for 5 months by the phone no mortgage statement. Dieting my forbearance in XXXX i continued to pay the mortgage i was told it was going into a suspense account. That money is not accounted for any where. All these may things wells fargo had done to its customers are signs of an evil company that is why there is a settlement of XXXX to modification applicants who were mislead and ideserve this settlement being XXXX and my husband XXXX we can never recover from this. My husband retires this year and me in XXXX. Our house was foreclosed stolen with no original documents. Time for wells fargo to pay up for what happened to us I deserve this settlement. And should be sent to me immediately since we for this year and all our equity is. Gone Thank you XXXX XXXX XXXX since XXXX

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