Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Dear Sir Below is a copy of a letter I filed with WellsFargo home mortgage Detailing all that has happened to me from XXXX to present I sent this letter XX/XX/XXXX OFFICE OF THE PRESIDENT WELLS FARGO HOME MORTGAGE FAX : XXXX Sir : My name is XXXX XXXX XXXX Loan # XXXX address XXXX XXXX XXXX XXXX XXXX Maryland XXXX. I am XXXX years old and XXXX and I receive {$1500.00} from an accident at XXXX XXXX in XXXX which left me unable to work .Im currently in a chapter XXXX case # XXXX. Im writing to file a complaint. I also am going to file a complaint to FHA and DOJ about how my request for a Home loan Modification has been handled by your office. Im also researching for a law firm to possible handle a law suite against your company as well as the Substitute Trustees that were assigned to foreclose on my house ( XXXX XXXX XXXX. and XXXX XXXX XXXX. ). 

Brief History : I refinance in XXXX with XXXX XXXX XXXX  was told it was a fixed rate but later found out it was a sub-prime ARM even though I was a veteran with a credit score of XXXX. When I discovered the mistake I paid a {$150.00} fee to get the loan modified. Which I have a copy of a notarized Permanent Modification Agreement dated XX/XX/XXXX 

Wachovia Bank bought up XXXX XXXX in XXXX, then Wachovia sends me a letter that they were changing my mortgage parameters because it was based on a COSI that was not in their program. I asked about my modification and sent copies of the paperwork, they just ignored me and didnt respond. 

Wachovia was bought by Wells Fargo XX/XX/XXXX didnt know at the time. Still trying to get my Agreement done Bank says they dont have paper work. 

InXX/XX/XXXX I applied for a Government Loan Modification when I was told that on XX/XX/XXXX my mortgage was going from {$1300.00} - to {$2100.00} a month. I had not missed a payment in 5 years or been late. 

Told Bank was not doing MODs yet and it was for people who cant make payments. 

XX/XX/XXXX unable to make payment ( wife also lost Job ) and savings ran out. 

The Bank then put me on a payment plan of {$200.00} a month for XXXX, XXXX, XXXX, and to bring the payment to the local branch and pay while they review my request for a government loan modification that they are now doing. 

I sent all Docs at least 3 times cause they said they didnt get them. 

XX/XX/XXXX I get a letter that I own a balloon payment over {$7000.00}. Heard nothing of Modification. 

OnXX/XX/XXXX called and spoke with a XXXX XXXX she said everything was complete and was being sent to underwriters. 

Get letter dated XX/XX/XXXX unable to offer Modification because I did not provide all documents requested. 

Called Bank on XX/XX/XXXX was told I didnt provide FORM XXXX ( which I sent XX/XX/XXXX ) and I had to start over. The bank also had a copy of my XXXX Taxes, was told it was my responsibility to make sure everything was up to date Submitted another request XX/XX/XXXX Was inform inXX/XX/XXXX that I was denied after they had sent out an appraiser for the house to do a drive by In XX/XX/XXXX I filed again for a Government modificationXX/XX/XXXX While waiting to here from bank after submitting paperwork 3 times I get letter from XXXX XXXX XXXX XXXX. That a total of {$93000.00} was needed to be paid by XX/XX/XXXX or foreclosure proceedings wood be started. 

Never sent paper work or told they were assigned as Substitute Trustees and heard nothing from bank on XX/XX/XXXX Request for modification. 

XX/XX/XXXX resubmitted application for modification XX/XX/XXXX XXXX XXXX XXXX acting as Substitute Trustees filed an Order to Docket Foreclosure with Preliminary Loss Mitigation Affidavit ( unknown to me ) XX/XX/XXXX XXXX XXXX XXXX filed the Defendant with the Order to Docket and paperwork ( unknown to me ) Get letter dated XX/XX/XXXX from Wells Fargo Home Preservation specialist XXXX XXXX that he was my contact and what to submit again, Also submitted my wife had a new Job (XX/XX/XXXX ) and her salary was {$68000.00} Letter dated XX/XX/XXXX from XXXX XXXX I was denied a Mod because lack of paperwork. 

XX/XX/XXXX resubmit paperwork XX/XX/XXXX XXXX filed Final Loss Mitigation Affidavit ( unknown to me ) XX/XX/XXXXget a letter in mail from a Law Firm offering services because of a foreclosure auction on my house on XX/XX/XXXX Get letter datedXX/XX/XXXX from XXXX XXXX XXXX about pending auction. 

XX/XX/XXXX Filed for Mediation XX/XX/XXXX filed chapter XXXX bankruptcy to stop foreclosure XX/XX/XXXX called XXXX XXXX XXXX to ask about docs for Mediation that they were suppose to send me and I filed Bankruptcy, They said there would be no mediation hearing onXX/XX/XXXXsince I filed Chapter XXXX. 

XX/XX/XXXX XXXX XXXX XXXX assigned as substitute trustees. 

XX/XX/XXXX bankruptcy court entered an order dismissing the case and terminating the automatic stay XX/XX/XXXX letter from XXXX XXXX XXXX that they had been retained with respect to the enforcement of the deed of trust and as of XX/XX/XXXX I owed {$400000.00}XX/XX/XXXX court issued a Notice of contemplated Dismissal Pursuant to Md. Rule 2-507c XX/XX/XXXX Trustees filed notice of Substitution of Counsel and notice of substitution of Parties XX/XX/XXXX court dismissed the case without prejudice XX/XX/XXXX Trustee sold house at foreclosure auction without notice to third party ( XXXX XXXX XXXX for high bid {$190000.00} ( unknown to me ) XX/XX/XXXX XXXX XXXX XXXX file motion to vacate dismissal XX/XX/XXXX Judge signs to vacate dismissal XX/XX/XXXX court Ratified XX/XX/XXXX defendant filed a motion to strike order of Ratification XX/XX/XXXX court held open motions hearing regarding the Borrowers motion to strike order of Ratification and Judge ordered the sale to be rescinded XX/XX/XXXX get notice of Foreclosure Auction on XX/XX/XXXX from another Law Firm XX/XX/XXXX filed a Chapter XXXX ( case # XXXX ) to stop auction and filed for a Modification. ( please note my wife now making {$74000.00} on her job and also her name is not on the house deed or loan ) This case was dropped by me because I was told I couldnt get a government loan because my wifes taxes were not done but they we willing to give me something else but there was a problem cause I got notice the house was sold at tax sale and when the papers were sent to me I sent them to you. XXXX XXXX told me I could reapply after 30 days and other programs would be open to me if I was not in chapter XXXX. So I dropped this case in XX/XX/XXXX think to reapply in 30 days but XXXX XXXX XXXX filed foe another Auction inXX/XX/XXXX and I was forced to file for Chapter XXXX again ( XXXX ) only to find out from XXXX XXXX I would no longer qualify cause the government program endedXX/XX/XXXX. 

Sir I am willing to work this out but I have been lied to many times and misdirected and if the Bank is not willing to mediate this I have no other recourse but to file a law suite in federal court for fraud, This is were we are at this time. I hope I here from your bank within the next 10 days in dealing with this matter. 

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