Wells Fargo Home Mortgage Wells Fargo Bank Was dishonest, deceitful and defraud me out of my home Des Moines IA

My name is Marlene V George a single mother of four, in 2012, I saved enough money to purchase this house located at (((REDACTED))) Silver Spring MD (((REDACTED))). I paid my mortgage on time each month starting with my old mortgage company Monarch Mortgage, which was then obtain by Wells Fargo Home Mortgage.  I then got laid off August 2013. I lived on my savings, Severance pay and unemployment up until December 2015, with that income I paid my mortgage.

I applied for a Forbearance from December 2014 to November 2015, on the recommendation of Mr. Marcus Anderson an employee of Wells Fargo Home Mortgage, to assist me in keeping my home and modify my monthly payment with a more affordable payment, if possible. I was told by him that it will help me so I could catch up on other bills and still pay my mortgage. He explained to me that after the forbearance I will get a modification and reinstate my mortgage payment starting January 2016 but to my surprise it was not so.  I mailed in two mortgage payments in January and February 2016 and it was returned because I was told I would have to pay the balance of $18,000.00 after the forbearance. This was not told to me until later. If this was disclosed to me I would not have applied for this product. 

I was mislead by Wells Fargo Home Mortgage employee.  I was refused my mortgage reinstatement so I appealed several times only to be refused.  This action by the bank caused me to go into default, meaning that they forced me into default. I called HUD which is supposed to help homeowners from become homeless with all those programs and I was told that I would have to work it out with the bank.  The bank forced me to be in default, if they had taken my payments I would not be where I am now.  Sad that these big companies/corporations defraud and cheat innocent people out of their homes and they are allowed to do so because nothing is been done. 

I am very disappointed since knowing that the government bailed out these banks and they are still railroading honest innocent homeowners like myself so they can have the equity and the house. I feel cheated.  I may not know how to explain this but I know I am being wronged. I would like to have access to any or all government programs that would allow me to keep my home and stop my children and I from become homeless.  I have four other people who is going through this with Wells Fargo Home Mortgage, each in different states and Puerto Rico.

Once and for all stop Wells Fargo from taking honest citizens homes.  I have tried in vain to work with the bank but they keep being dishonest.