Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received your letter dated XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX that a modification was no longer an option because I did not make the modified loan trial payments of {$810.00} and did not sign the Boilerplate FHA Trial Modification Agreement, the loan has been placed in Foreclosure with a scheduled sale date. The trial payments were full monthly mortgage payments and the agreement stated that I was only being considered for a extended forbearance for a period of time and there will be XXXX liens on the property. 
I would like to keep and remain in my home. I do not want to be considered for a Short Sale or Deed in Lieu. Please note that I did not receive a detailed verifiable explanation why my loan modification was denied or any verifiable clarification on how my income was calculated at {$2700.00} per month as opposed to {$1600.00} based on the documentation I sent you. By reviewing the expenses and the income, Wells Fargo may have transposed the numbers in error. I believe this may have been an oversight. Then it states '' based on the documentation you provided, we were unable to reduce your principal and interest ... .by reviewing your monthly income. '' However Previous cases were filed with the Consumer Financial Protection Bureau and that have and were not addressed XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX as well as erroneous credit reporting agency cases to the XXXX ( XXXX ) credit bureau reporting agencies ; XXXX XXXX ; XXXX ; XXXX REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days. 
I received a notice " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds ; call us for a payoff quote. A matured loan requires all balances to be paid in full. This does change the sales date that maybe scheduled ''. 
Wells Fargo has informed Office of Comptroller of the Currency and HUD Mortgage Review Board that XXXX total was due from XXXX XXXX thru XXXX XXXX 
The only information you provided was the payment history from XX/XX/XXXX thru XX/XX/XXXX and the direct endorsement which Wells Fargo name not affixed to any original documents of the streamline re-finance with the XXXX XXXX loan. You provided no other information I requested. To be more specific, I 'm attaching a copy of Payment Summary Statement. Your response were generic and failed to address my specific concerns. 
" FOR OWNER INFORMATION pursuant to 15 U.S.C 1641 ( f ) ( 2 ) of TILA. 
5 business days to acknowledge pursuant to 12 C.R.F 1024.36 ( c ) and 10 business days to respond pursuant to 12 C.F.R 1024.26 ( a ) ( 2 ) ( i ) ( A ). You MUST respond within 10 Business days after you receive this Request for Information.Pursuant 1641 ( f ) ( 2 ) of TILA, please provide the full name, address and telephone number of the current owner of the original mortgage note. This request is also a Request for Information Pursuant to 1024.36 of Regulation X. Pursuant to this section 1024.36 ( d ) ( 2 ) ( i ) ( A ) you must respond no later than 10 business days after you receive the REQUEST for INFORMATION. 
REQUEST FOR INFORMATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X 5 business days to acknowledge pursuant to 12 C.R.F 1024.36 ( c ) and 30 days to respond pursuant to 12 C.F.R 1024.26 ( d ) ( 2 ) ( i ) ( B ). You MUST respond within 10 ( ten ) Business days after you receive this Request for Information

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