Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX I reside in XXXX California my family and I have been living here for several years XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship In addition I lost my full time job due to the care I had to provide to my wife I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it become a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me any where it was to no avail I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method their process for a loan modification and for denying me the ( HAMP ) - Making Home Affordable Program after I was assured I would be eligible if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan I believe this is clearly a violation of the HAMP program code 113 HAMP Tier 2 Eligibility and XXXX Additional Factors Impacting HAMP Eligibility and the program codes 31 & 32 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 and I fall within the aforementioned guidelines Furthermore I strongly believe Wells Fargo Home Mortgage is not in compliance with the government standards and the Security Exchange Commission regulation and codes, therefore I ask that you apply your regulatory authority and open an immediate investigation and re-evaluate Wells Fargo Home Mortgage policies and their process Wells Fargo got BAIL OUT to help home owners difficult times with the loan modification process setup by our Government I consider Wells Fargo Home Mortgage to be a deceitful, fake, unprofessional Lender their lack of willingness to assist home owners in times of crisis and desperation I evaluate them to be a poor customer caring lender or servicer Wells Fargo Home Mortgage has demonstrated we are insignificance to them no customer value or respected toward the homeowners at all

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