Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST  WELLS FARGO  AND  XXXX   XXXX   XXXX   XXXX  EXT.  XXXX . FIRST,  WELLS FARGO  ARE COMPLETE CROOKS,  XXXX   XXXX  CALL ME JUST LAST WEEK NEEDING MORE DOCUMENTS AND EXPLANATION TO CONTINUE THE MORTGAGE ASSISTANCE REQUEST. SUBSEQUENTLY I RECEIVED A DENIAL NOTICE FROOM  WELLS FARGO  EVEN WITHOUT SENDING ALL DOCUMENTS. I ATTACHED MY APPEAL TO  WELLS FARGO  FRAUDULENT DENIAL IN THIS COMPLAINT. I HAVE BEEN BUSY AT WORK AND THATS WHY I HAVE BEEN UNABLE TO GIVE   WELLS FARGO THE ALL PAPERWORK FOR COMPLETE REVIEW, BUT WELLS FARGO DENIED IT ANYWAY WITHOUT THE PAPERWORK, EVEN BETTER, WF ARE CROOKS!!!
SEWE BELOW AND ATTACHED   XXXX  #  XXXX  RE : Appeal ConT To Whom it  may  concern : I would like to appeal the denial for all loss mitigations options as per letter dated  XXXX   XXXX ,  XXXX  from   Wells Fargo. First, I was not reviewed for all loss mitigation options like HAMP tier 1 or tier 2, National mortgage relief settlement modification, all in-house modification programs and according to Supplemental Directive 16-02 attached.
2  . I appeal the proprietary fixed-rate modification denial Reason financial situation shows the ability to afford the payment.My hardship contains a change in circumstance which makes me eligible specifically reduction in hours. Based on my investor, My investor allows for modification with change in circumstance. My change is circumstance is evident with me starting a new position and reducing my income has made it very hard to get back on track. With my car payments, insurance, household expenses, maintenance, repairs, all play a part in the review for a modification. And the Obama program eliminated the debt to income ratio, when Government introduced HAMP in  XXXX  still effective until  XXXX   XXXX ,  XXXX , see attached Supplemental directive  16-02 3 . I want the contact info for my investor as well And my pooling servicing agreement, AND BPO USED IN EVALUATION. MY VALUE IS ONLY  XXXX !     4. Attached is Supplemental directive  16-02, Which cl early states I am eligible for HAMP if I submitted  1 component of the loss mitigation application to Wells Fargo in which I submitted several, Wells Fargo  has to allow me to enter into the Making Home Affordable program. They misplaced and lost so many of my mortgage assistance applications in  XXXX . Because I submitted   1 component of the Loss mit application to Wells Fargo/ASC, this makes me eligible for HAMP tier 1 and or tier 2.
I request a re-evaluation and acceptance into HAMP and or all loan modification programs available. ATTACHED IS Supplemental    16-02 and Supplemental directive 12-02.  Everything is on file with  Wells Fargo  team, there is no other docs supporting this appeal.     Thanks,  XXXX   XXXX  I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ).

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