- Report: #1073703
Report - Rebuttal - Arbitrate
Complaint Review: Wells Fargo home mortgage
Wells Fargo home mortgageDavenport, Iowa USA
Wells Fargo home mortgage U.S. Bank Foreclosure with false information Davenport Iowa
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We were a few months behind on our mortgage and we entered into a forebearance aggreement with Wells Fargo home mortgage. We made each of those payments on time with a balloon payment made at the end as agreed upon. We were up to date on our mortgage after this and then received a notice that our home was in foreclosure due to "not having made a payment in 12 months". When we contact Wells Fargo home mortgage to try to straighten out this issue we were given a false fax number to fax in our receipts to. Upon further phone calls I was told that Wells Fargo did not want to see our receipts and they argued that we had not paid our payments and they also stated there never was a forebearance agreement. We were able to get a lawyer through help legal aid and Wells Fargo dropped the foreclosure proceedings when the lawyer called for an audit of the account. Our lawyer stopped working for help legal aid and there was no longer a mortgage attorney with the practice and we could not afford to hire a lawyer to help us. Foreclosure was filed again, being filed by U.S. Bank under the claims that they had purchased our mortgage. Upon phone calls to Wells Fargo I was repeatedly informed that US Bank did not purchase our mortgage, Wells Fargo still had our mortgage, and I was assured that we were not in foreclosure. To make a long story short, we had a court date where US Bank was attempting to finalize the foreclosure. This was done in Judge's chambers with a attorney for US Bank on the telephone. The judge asked if we had any proof in our defense, but when we got out our folder to show him all our receipts the judge told us he did not have time to look at that and the foreclosure was granted to US Bank. We were given six months to vacate the home. We moved out by the date specified by the court, however we received a bill for the next years home insurance from Wells Fargo. When I called to ask why we are receiving a bill for insurance on a home that has been foreclosed on I was again informed that our home was not foreclosed on and US Bank did not hold the mortgage to our home and did not have any legal rights to foreclose on our home. Through this time that we had been moved out of the home there was no electricity to the home therefore no sump pump running and we had several heavy rain storms which left the basement full of water which caused black mold. The house was no longer livable and we have not been able to afford the retainer fee to hire a lawyer to help us with this situation. Due to all of this our family has all had to split up and stay with different people, our credit has been destroyed, the stress has led to my husband having a heart attack and me not being able to finish my college education due to no longer being able to obtain loans. I don't know how US Bank was able to get away with this if they had no legal right to the home and did not own our mortgage.
This report was posted on Ripoff Report on 08/06/2013 08:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/Wells-Fargo-home-mortgage/Davenport-Iowa-52803/Wells-Fargo-home-mortgage-US-Bank-Foreclosure-with-false-information-Davenport-Iowa-1073703. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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