Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name if XXXX XXXX. I am the Homeowner for XXXX, XXXX XXXX, XXXX, NY XXXX. I bought my house with a large down payment and entered into a note / mortgage with Wells Fargo in XXXX. For the first 5 years I was able to make my mortgage payments and never missed one. In XXXX, as a result of the reduction of income from my sources, coupled with a divorce, I was forced to miss a couple of payments and since that time struggled to get any assistance from my mortgage servicing company Wells Fargo. To be more specific, Wells Fargo placed me into a foreclosure and from XXXX to XXXX have proceeded with the legal action. They made several legal mistakes, admitted to it and dismissed the foreclosure action. In that time I have unsuccessfully attempted to engaged in several submission to seek to get my mortgage modified under HAMP, which they repeatedly told me I would be considered for. In XXXX, Wells Fargo started another and second foreclosure legal action. Wells Fargo made several legal mistakes and fraudulently submitted to the court that they complies with all of the required notices that I never received, Rule 1304 for New York State real estate process. I nonetheless appeared in my case and submitted several packages to Wells Fargo and their attorney XXXX  XXXX. Finally in XX/XX/XXXX, Wells Fargo was forces to accept a package to be reviewed and it was a part of the judge 's decision who stated that Wells Fargo must! review me for the options to keep my house. After several months of submitting additional documents, I received a denial in which wells fargo stated that they can not approve the modification due to the XXXX test results. Wells Fargo refused to provide detailed information why or how XXXX test had failed, and I with the help of the Treasury Department tool XXXX, was able to confirm that Wells Fargo decision WAS! a mistake. The judge ordered Wells Fargo to review it again and do interior appraisal for the modification. Wells Fargo was given access to the property and the results of the appraisal were announced in the court, but! Wells Fargo still failed to provide to me or to the court or to anyone the results of the appraisal and how the new results of the appraisal would affect the modification review. I have proven to Wells Fargo that I qualify based on their guidelines and based on my income. Wells Fargo have been acting in bad faith and have discriminated against me. Time and time again, Wells Fargo employees and third-party agents have engaged in the deceptive practices to prevent me from getting the help and deprive me of the legal rights to avoid the foreclosure and to save my home where I am raising my family. I see how deliberately Wells Fargo and their employees engage in the practice of unfair treatment of me. There are so many examples how in their communication they deceptively led their case to the catastrophic outcome of me being forced out of my house. I wrote and I send letters to Wells Fargo CEO XXXX XXXX XXXX, CEO, Wells Fargo and to help me with my mortgage for my mortgage XXXX  # XXXX ; XXXX XXXX, Property XXXX XXXX XXXX, XXXX, NY XXXX ; F

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