Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was laid off in XXXX of XXXX. I called Wells Fargo right away and told them what happened. They told me they could n't help me until I was severely delinquent. I applies for XXXX job a day. It took several months to regain employment. I was out of cash and living off of my credit cards. Wells fargo offered a loan modification. I was told during a " recorded call '' that This " would n't '' impact my credit score and that the modified portion of payment difference would be added onto the end of my loan when I got back to work. 
I was having the payments deducted from my checking account for a year. Wells fargo reported to the credit bureaus that I was n't making " any '' payment. I have proof of the checking account deductions. At the end of one year, I re-applied for a loan modification and was told I needed to file my taxes and re-apply. Each time I reached out to the loan specialists it would take XXXX14 day to hear back from him. This is a time sensitivesituation. 
One week later I filed my taxes and made XXXX attempts to reach my loan specialist. I left long detailed messages each time. My cell phone bill shows the calls and duration of each. The loan specialists never called back but continued to send letters offering his help. He would not call me back. I received a letter stating the foreclosure process has started. Wells fargo lied about the terms and conditions of the loan modification process. I asked so many questioned that the loan specialist had to keep putting my on hold to ask his supervisor the answer. These calls are recorded. I do n't see why I have to be subjected to proving my case when the recordings have all the proof. I asked to make a payment arrangement and spread out XXXX of my back payments and I could give them XXXX in cash. The loan modification ended in XXXX XXXX. I called to ask what the next steps were and was given the run around about what to do next. I was told just wait. We will send you a packet. 3 wks later a packet arrived with a deadline in 7 days of receiving it. It was dated 3 weeks prior to my receiving it. They would n't accept a paymnet in XXXX when I called to inquire about my payments. I was told underwriting is working on it. I know it is important to have the documents correct but they picked apart every thing from the size and direction of the faxed documents to oh we lost it, Can you resend it. They even sent my a refund of almost {$600.00}. SAYING THESE FUNDS WERE N'T APPLIED CORRECTLY PRIOR TO THE FORCLOSURE PROCESS STARTING. They refused any payment via phone unless it was the total amount due. 
I can not believe lenders are n't more closely regulated to prevent these misrepresentations of the facts and processes supposedly mandated by law. 
This is theft. Wells Fargo is stealing my home that I worked hard to maintain and for 8 years was never late once until the lay off. Unbelievable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation