Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Re : number- XXXX XXXX XXXX XXXX am filing this complaint once again to make a more clear and concise, in dept account of the mismanaging of my account history with Wells Fargo , and the problems they have caused. ( Note : I purchased my historic home many years ago in 1992, located in XXXX XXXX XXXX, my address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The amount was {$90000.00}. It is XXXX my statements show I owe {$92000.00}. I have always made my payments. I am disputing this amount. 


This is incorrect! 

Wells Fargo failed to report monthly payments which led to my home being placed in foreclosure status twice, once during the catastrophic flood and recession in XXXX, and again in XXXX. When Wells Fargo realized they had made a big mistake and that I had been paying my mortgage. This mistake resulted in actions that still are damaging and is affecting my livelihood. In XXXX this area experienced a catastrophic flood that hit many homes in this area. Yet, I continued to make my payments. I contacted Wells Fargo during this time to make a monthly payment. At this time I was told that my area was considered a disaster area from the storm. They had provided a moratorium for this area and that I could apply for the moratorium for 3 months. They stated the dates the moratorium started and when it would end. Since I had already paid my mortgage 1 month of the 3 months I had been given. I had only 2 months to take advantage of the moratorium before it ended. However I did not get the chance to use the whole 3 months. After that period payments were to start back. I contacted Wells Fargo to make my payment at the end of the moratorium and this is when the customer service rep. informed me my home was in foreclosure even though I had followed their instruction and had made my payments on time. I used only 2 months of the 3 month moratorium. The customer service rep saw I was on track with what I was supposed to do still making on time payments as required. At the same time while on the phone with her, I received a call on my cell phone with a male supervisor from Wells Fargo who agreed. They had not applied my payments and said that he will have to fix the problem. Wells Fargo had not been recording my payments I had been making. But, Wells Fargo had already started the foreclosure proceedings. 

People drove pass my home looking to buy my home. This was devastating. I received a letter from their attorneys firm they used, stating they were foreclosing on my home. Next i saw an appraisal guy who came taking pictures of my home, and leaving notes. I asked why are you taking pictures? He replied the home is in foreclosure. 

Finally ; The XXXX fixed the problem, but I do not see where penalties or fees were removed. I kept my home. But things got worse! 

Moreover ; About 2 years later in XXXX - XXXX I was contacted by XXXX XXXX with Wells Fargo who said he was helping their customers to reduce their mortgage payments.even though I still was making payments and current, but running a little late for that month only, and still could pay before the XXXX rolled around. I told him no, but he kept calling my home that week and told me it was an XXXX  XXXX ... to lower monthly payments, but I would have to let my payments go for 2 months to take advantage. I said no I am not behind.. He said to me. " Just don't make your payment this month and the next month ''. He kept contacting me to let him put me on this program. He said every thing to get me to let him do this. I felt coerced and as a lay person I felt it was something I was supposed to do. 

He said my income has to be at least {$1500.00} per month to qualify for the program. He even forged the income statements to get it done. I said to him I don't think this right and that my home had been in foreclosure once and that I don't want it to happen.again. He continue to coerced me and promised he that it would not happen, and to trust him. He said this would not cost me anything. He did the paperwork for me, putting it through. This was in XXXX I think of date being around this time. I have letters I saved of this conversation. He said it would take only 2 or 3 or three months to finalize ( I realized later He was preying on people to make his quote that would promote him to " Office Of The President '' within Wells Fargo. He never said I would pay any closing nor fees. This was a scam! ) 3 months passed I had not herd any thing, 5 months passed I didn't hear any thing, 8 months passed I did hear anything. These were all lies and a case of XXXX XXXX. I contacted XXXX XXXX ask to speak with him, XXXX XXXX, they informed me that he was no longer working for that department and that he had move to the office of the president. I asked who was handling my file? They gave me the name of XXXX XXXX who was very rude and wanted me to file everything over again XXXX months later. 

Much was too late my home once again was already in foreclosure and scheduled to be auctioned and sold at the XXXX XXXX XXXX House steps at XXXX on a Tuesday morning. I panicked i got sick it caused me to loose a tremendous amount of weight at this point because of what had happened! I was fighting for my home. I contacted XXXX, ( XXXX  XXXX  XXXX XXXX XXXX ) who bailed me out to saved my home. While I was at the center where they help folk to try and save their homes, Wells Fargo had an area designated for people where they were handling their customers. They told me that this XXXX XXXX had dropped the ball on my account They again raced to save my home. 

Again! I don't see where penalties or fees were removed, nor brought my payments down. I kept my home., I contacted the foreclosure attorney and said to the attorney, Wells Fargo has made another big mistake and do not foreclose on my home. She said that she had to stop proceeding. 

She replied most people don't know that if a owner asked them not to allow this foreclose to happen they must stop. As a result of all this happening I had to find an insurance company to again insure my home, but I was told that since my home had been in foreclosure twice they can not insure me, I am currently placed on a Lender Based Insurance Policy and they only can insure the out side of my home. I can not find an insurance company to insure me because of this happening. 

I have invested a lot in my home. but there is still so much that is a problem namely ; the galvanized pipes breaking and plumbing. flooding underneath my home. This has been a problem. The drafty windows that nearly freezes me each winter, snakes crawling under the crawl space, of my home etc. 

No one should have to live under these conditions. Because XXXX cant get regular insurance. My home should be close to being paid for by now. They have ruin my life and other investments that I have made. This has had a trickle down effect costing me money and my credit scores dropped in poor the category because of what they have done. I have over XXXX documents, and letters and names of people who worked on my file., proof of most all that took place. Wells Fargo have destroyed files and since sold my account to XXXX XXXX XXXX XXXX. They have lied to protect themselves. I have filed a complaint. This is XXXX XXXX. I am further in contact with XXXX XXXX XXXX XXXX as well as other attorney offices to help resolve the matter. 

Wells Fargo is denying this ever happened but XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX records can prove this as well. I need to be made whole. I am XXXX XXXX XXXX and have tried to fight them for years i wont stop. this is wrong! 

I need to be recompensed for damages., or I wish to have charges filed against Wells Fargo and possible a class action against them for a complete investigation. I am still experiencing a hardship it has been hard for me since this happened. All of this happened through no fault of my own. I was a loyal customer. Their not reporting payments putting me in foreclosure, promise of a XXXX XXXX program to lower payments that resulted in charging high interest and fees., making it impossible to insure my home. This is customer abuse. Destroying paperwork.has caused years of XXXX ache. and misrepresentation of programs. 

My mortgage about XXXX yrs ago was {$87000.00} then a {$10000.00} loan was added unbeknownst to me with high interest to the total amount owed making my the amount over what my actual house payment should be, and what I actually owe on my home. This is wrong and incorrect. I am upside-down in my mortgage and should own my home by now. This is not right! This information will be forwarded to XXXX XXXX as well as other officials for further investigation. All of this needs to be correct... I need full coverage insurance on my home as well. 


My phone no. is ( XXXX ) XXXX, ( XXXX ) XXXX, or XXXX ) XXXX 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