Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

I filed a previous complaint on -/-/- with the CFPB # - regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification - -/-/-, because of our combined income of $22000.00. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on -/-/- with my income being $6900.00 per month. In a letter dated -/-/- from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated - -, - from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated -/-/- Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact


dated -/-/- ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of $6900.00 there was not a significant change from the combined income of $22000.00 which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated -/-/- also requested additional items in order to review my application submitted on -/-/-, this request comes 3 months after my loan was submitted to foreclosure and - month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for -/-/-, this notice I believe deterred the possible buyer as it was posted while inspections were occurring.