Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX during economic down turn I was laid off from my XXXX position. 
I applied for a XXXX modification with Wells Fargo while I was applying for other positions. i was put in a forbearance but continued to pay Because i didn't want to LOSE my house ( I am an XXXX XXXX XXXX XXXX XXXX ). I was told when I paid over the phone the money was put into a suspece account. They would not let me apply for the modification until I was working. XX/XX/XXXX i started a new position and I started applying for the XXXX modification. I was told to fax the application. I was also told to call XXXX weeks later to see if my application was received. Why XXXX weeks to process an application? I would call and every time I would call i was told there was always a document missing about XX/XX/XXXX i received an email from XXXX XXXX my underwriter that someone got into my file and moved my file out of review but she will try and get it back in. I received another email that she was able to get it back in review and I was approved not for a XXXX modification but a wells fargo in house modification that was more then my original mortgage. I accepted because I now had a job I am an XXXX. They added over XXXX to the original. The Mortgage my payments i made to the suspece account were no where and no one would help me. I received my documents mid XX/XX/XXXX and we had the documents signed and notarized and sent documents to wells fargo. My modification was to start XX/XX/XXXX. I was told there would be no mortgage statement and that I would pay the mortgage over the phone ( that is very illegal ) you know every homeowner by LAW has to have a mortgage statement. I want to know How did wells fargo get away with NOT sending me a mortgage Statement while I paid for my modification. 
I paid 5 months over the phone. XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. About XX/XX/XXXX the XXXX XXXX XXXX occurred. I was working XXXX XXXX XXXX XXXX at kindred at the time. 
XXXX basically shut down on the XXXX XXXX XXXX XXXX and all XXXX states. The census at XXXX constantly went down weekly. So when the census was low I was called to stay home. 
Over the summer of XXXX i lost XXXX my salary each month. That modification with it being more then the original mortgage was getting very difficult to pay. So I called wells fargo about XX/XX/XXXX. Told them the issues related to the XXXX XXXX XXXX. I was told that in order to apply for the XXXX modification i had to be behind in payments!!!!!!!!!!!!!!!!!!!. WHAT. I DON'T WANT TO BE BEHIND. I DON'T WANT TO LOSE MY HOUSE!!!!!!!!!!!!!! They told me I had to be XXXX days late in order to apply for the XXXX modification ( found out later in the movie the big short the banks bought insurance policies called shorts. If they can get people to stop paying their mortgages they can collect on these shorts. They also get paid the PMI insurance as well. ) ( The perfect crime ) after talking to every supervisor and crying i had comply. They are my bank and hold my mortgage. So in XX/XX/XXXX I applied again for tyke XXXX Sent my application fed ex this time because of so many issues with THe faxes. Called wells fargo with a XXXX XXXX  set up by XXXX  Wells fargo had all my documents in order for approval. XXXX weeks later mid XX/XX/XXXX I receive a phone call from my underwriter that someone got into her computer on her day off and moved my file out of review ( doesn't this sounds familiar. I have included the email from XXXX. From XXXX XXXX telling me the same story ) but she was unable to get it back in reviews. That i would have to reapply. So mid XX/XX/XXXX I receive my new application. It was due XX/XX/XXXX I send it XXXX XXXX XXXX XXXX XXXX. I waited XXXX weeks XX/XX/XXXX to see if they received it. They tell me no. It was not received. I called XXXX to find out what's going on. I find the tracking # I find the supervisor of the delivery person XXXX XXXX. I said you need to help me please. Wells fargo states they didn't receive my package. 
So she said she would call. Well she calls me back and says no one answered she couldn't help me any more. I call wells fargo and explain this and then I am told they received some documentation but not all that I have to resubmit my application. I told them no. Not until they find my XXXX i sent, it has all my personal information. I was waiting for a call back then XXXX XXXX XXXX  I received documentation from a foreclosure lawyer. 
So apparently I was being dual tracked from the beginning of the XXXX modification. 
Now they I think back when I signing my modification documents. Even though I was paying MORE then the original mortgage it stated that I would be paying Less then the original mortgage. This statement was to put me into a deficit so they can foreclose / dual track me. Because in XXXX XXXX were taking about XXXX to XXXX years because of volume this was XXXX way to keep us inline for foreclosure That's just horrible and wells fargo XXXX be solely responsible for me losing my home and all my retirement equity. 
You NEVER TELL A HOME OWNER NOT TO PAY THEIR MORTGAGE IN ORDER TO APPLY FOR A MODIFICATION. 

XX/XX/XXXX we were served. I already had a lawyer so by XX/XX/XXXX we had signed the documents with the lawyer. 
By XX/XX/XXXX my case was dismissed because wells fargo DID NOT produce any discovery. MY LAWYER ASKED FOR ALL INSURANCE MONIES RECEIVED IN RELATION TO MY MORTGAGE WHICH MEANS SHORTS AND XXXX PAYMENTS. 
NOTHING RECEIVED On XX/XX/XXXX we were served A XXXX TIME Again no XXXX produced. Wells fargo made me and my husband do a deposition and then The entire time until XXXX took over wells fargo kept sending modification applications. 
AND AFTER EVERY SINGLE CFPB COMPLAINT I AM SENT ENTRY APPLICATION AGAIN!!! 
I was Still waiting on my lost documentation. then mid XXXX XXXX took over. Offered us a predatory modification after paying XXXX trial payments. 
XXXX HAD NO DISCOVERY SO THEY ASKED FOR A CONTINUANCE FOR MY foreclosure trial SET FOR XX/XX/XXXX AND THEN XXXX admitted to not having original documents. 

By XX/XX/XXXX vtrmg started calling me. New trial set for XX/XX/XXXX. I needed a new lawyer. MY LAWYER WAS DISBARRED. 

That NEW lawyer HAD NO DEFRNSES FILED SO the night before trial XX/XX/XXXX i had no choice to settle or pay the lawyer XXXX to go to trial in which he said I was going to lose. 
Closed on my new house XX/XX/XXXX. Had to buy the only affordable home in the area which was a mobile home in bad condition We had to renovate. I am oweD XXXX from a wells fargo settlement FOR ALL THE HORROR WELLS FARGO PUT US THROUGH AND THE XXXX IN MONIES WELLS FARGO MADE US PAY BEFORE APPROVING OUR MORTGAGE. 
WE CAN NOT RECOVER FROM THIS I AM XXXX AND MY HUSBAND XXXX ALMOST XXXX. HE DOES THIS YEAR. WE LOST ALL OUR EQUITY IN OUR HOME WHICH WAS OUR RETIREMENT SAVINGS. 
I AM OWED THE XXXX IN WELLS FARGO SETTLEMENT MONIES. But everytime i put in a complaint to the cfpb they send me a full package of all the modification applications they sent me. What I want is monetary compensation for what was done To me. I am a XXXX XXXX of XXXX years the most ethical of all professionals. XXXX is around the corner i am a XXXX old senior. Unable to bounce back from all my equity BEing stolen from me Yes stolen!!!!!!!!!! The mortgage wasn't on the credit report at the time of the foreclosure, they're was no original note. 
Yes my home was fraudulently stolen from me. 
Thank you 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