Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I Inherited a home with a mortgage balance of {$150000.00} after my mom passed XX/XX/XXXX. 1 made a lump sum cash payment of {$80000.00} towards this mortgage and continued to pay the original monthly mortgage of {$1200.00} per month for at least the next 12 months.At that time we all were in a worldwide pandemic, and I could no longer pay the monthly mortgage at that price due to some lost of income, Due to a hardship, mortgage company offered a hardship forbearance for anyone at that time with the understanding there will be no penalties and the miss payments would go to the back of the loan ( I accepted only to be told. I had to pay in full when the payments started again. I was denied a modification that was affordable to me. 
I was forced into falling bankruptcy due to the limited time I had to prevent foreclosure. I was told by the mortgage company that there was nothing they could do for me, even after I have given them all of my cash on hand and continue making monthly payments. My only option was to sell the home in a short sale, pay it off or bring payments up to date.on XXXX During the height of the pandemic, I was able to find a government agency to help me bring up the payments, Taxes and insurance, and the mortgage company received a payment of {$32000.00}. 
After filing bankruptcy, mortgage company made a deal with the attorneys of lowering the mortgage, but I had to pay taxes and home insurance separately at a higher percentage rate. And with a total income of {$850.00} per month at the time my monthly payment to mortgage company was {$550.00} for the year of XXXX, beginning in XXXX my payments monthlv increased to {$600.00} where {$450.00} went towards the mortgage attorney fees for filing bankruptcy {$4300.00} and to pay a trustee {$40.00} a month just to allocate the money out After being told to get my own insurance, the mortgage company went ahead and paid a full year of home insurance and I was forced to pay them back {$150.00} a month for 12 months because I was told it's not there policy to take a refund back from the insurance company So for a full year, my home was double insured at my expense. Again with my pay raise, all of this is on a {$960.00} Social Security XXXX income I have 2 payments left of the 12 month insurance that I was forced to pay or they were foreclose on me again and charge me more interest and points.And I am behind one month {$600.00} of the payment to the mortgage company and they are going to threaten to foreclose again, which will be more interest and more points if I don't agree.

In all I was told throughout the pandemic that I would not be penalized with taxes and interest and the payments will go to the back of the loan. Between the mortgage company and the attorneys, it costing me more and I can not keep up. 
After receiving a denial of modification letter on XX/XX/XXXX I asked for an appeal I DO NOT agree with the denial decision for Propri Rate Modification and Proprietary Extension as foll Everyone was affected by the unexpected Covid pandemic I still have not fully recovered as of today. In XXXX, my Mom 's passing, I took all of my savings and paid {$80000.00} towards the home and continued with monthly payments.until I lost part of my income. I'm very sad with the lack of consideration moving forward. I'm not asking for a XXXX mortgage for the remaining LOW outstanding balance. I'm asking for a collaborative payment plan according to my income after putting the late payments on the back of the loan. This is a legacy home that my Mom loved and worked hard for. To keep I'm obligated to keep her legacy alive. My Mom made a commitment, to Wells Fargo as a loyal customer and never missed a payment. I can guarantee you ; I will be just as committed. I have sacrificed everything I have to keep and make her home, myhome including my vehicle. ( Being 15 miles from the nearest store and have to inconvenient/rely on others for transportation to and from ). 
I've consulted and submitted documentation for assistance at various agencies including but not limited to the XXXX XXXX XXXX. I'm also in the process of interviewing potential boarders.as everyone needs immediate attention its greatly appreciated to avoid homelessness. 
Sincerely, XXXX XXXX PLEASE HELP THANK YOU AND HAPPY HOLIDAYS!!!!

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