Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Ohio

I have a mortgage with Wells Fargo ( Loan No. - ) and first put my - - house ( - - -, - -, OH. - ) on the market in - 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at $22000.00, though I owed $62000.00. I re-located in - of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at $22000.00. Wells Fargo then retracted my approval for the short sale in - of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for - of - options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an


I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of $5000.00 and submitted this to Wells Fargo on -/-/15. The following properties have sold in my area for the amounts listed : - - -, - - was listed at $29000.00 but sold for $5500.00 - - -, - - sold for $7000.00 - - -, - - sold for $6400.00 - - , - - sold for $4500.00 I received a letter from Wells Fargo dated - -, 2015 that the short sale was again retracted. When my realtor, - - ( -- - ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. They have limits on certain categories as to how much I can count as an expense. The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count $250.00 a month for ALL automobile expenses ( gas, insurance and car payment ). I spend $100.00 a month on gas, $97.00 a month on car insurance and $300.00 a month on a car payment. This limit hardly seems reasonable. My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.