Complaint Review: Wells Fargo Bank - Internet

Long story short: payments $200 over minimum were taken and part ( min payment ) was applied, the rest put in unapplied funds; foreclosure followed and payments were taken and not applied/returned sitting in unapplied funds; 3 months later they filed foreclosure . Now, I'm gonna have to fight to keep me and 2 little kids in a home. I would like to share my story and make you aware of how unfair the veterans are being treated, in particular by Wells Fargo Bank. We own the 2 bedroom house since 2005.

This January the bank has put the mortgage account in active foreclosure. I am a mother of 5 and 7 year old boys with full custody currently occupying the property. We just moved back in the house after living in an apartment for a year due to the judge's court order to vacate the property on October 4th 2011. Now, let me get back in time and explain what exactly has happened. My husbands served in Iraq back in 2003. Upon returning from active duty he was screened for PTSD, even though he was cleared , the symptoms showed a little bit.

We got married in 2004. He got a job with Union Pacific Railroad and is still employed with them. He never talked much about Iraq. The time has passed and I became aware, that he didn't just got physically hurt ( as he was hit by a roadside bomb ), but also mentally. Things got gradually worse, in spite of me telling him to get checked out, he denied everything and always backed it up saying that he was screened for that already. Finally, he became very aggressive, that was taking a toll on me and the kids. In order to help him, I had no other choice but file a restraining order.

The system is that, for the veteran to get help and get treated he needs to commit himself. Although, if the veteran is in complete denial, the only way out is a restraining order. The judge didn't order him to get treatment and me and the kids were still in danger,as in my husband's eyes I just wanted to kick him out of the house and the problem was me not him. He started drinking 24/7 , not answering his job calls and one night, having a black out and intoxicated he broke into our marital property at 03:00. Me and the kids will never forget that night, as we were scared to death.

He acted like he was on a mission: took his shoes off to be quiet, took his portable hard drive, PS3 game and a box of moving straps. None of that made any sense. He was taken to jail that night and didn't remember anything afterwards. After that he kept pursuing us and we had to go live in the shelter for our safety and even leave town for a couple of weeks, as advised by police officers reasoning that the judge didn't mark " no weapons " on restraining order. We were told to leave town if were in fear of being hurt by him.

Union Pacific found out his situation and told him to either get fired or go into company rehab for alcoholism, which to mention wasn't the problem as he didn't drink before it all happened. So, he went off to rehab in Salt Lake City and me and my boys were ordered out of the house. The property is in both of our names . We moved and lived in an apartment without any help to pay for it, as CIRHA had a long waiting list. I had to get a job. We struggled but managed. Time passed, Jesse came back from rehab feeling better.

Throughout the year of 2012 , I had no way to know if he was really better or not. I answered numerous calls from Wells Fargo, as I was told that he was falling behind on payments. We do not know the reason why. I explained to the bank the real reason and what was going on. All that ever was put on file was hardship. I came to drastic decision and filed for divorce. After that, even though every time I spoke to Wells Fargo agents explaining the real situation , they put hardship and now divorce on file.

September 2012 I was notified that he was moving out and me and the kids could have the house. We moved again I kept up on house payments. I also was informed by Wells Fargo that as of September the mortgage has fallen 4 payments behind and was at risk of foreclosure. I kept on paying and told Wells Fargo agents numerous times that I had an intention to keep the property and could catch up with my tax refund. None of that is on their file. Now, I've come to find out that Jesse was making $200 over the monthly payment.

That money were not applied to the account and set aside. My lawyer had doubts that $2800 is owed as the bank claims. I'm having a nervous breakdown in fear of losing everything and that this time me and my kids will have to go live in the shelter, but lose all our possessions. What has happened, why? I have no answer to that. That's how Wells Fargo treated the veteran, knowing it is a VA loan, and his family. They didn't bother asking if his problems were related to the war.

They didn't put on file a single time what I told them about his problem. They didn't apply the extra money paid over monthly payments. I'm losing hope. I'm afraid Jesse will have a relapse because of all this. Unapplied funds??? Sitting in unapplied funds file because it's less then minimum payment when it was actually over the minimum??? My January payment is in the same file now as the minimum payment is $2800.

I kept on making payments that were neither applied or returned until now . I was served with foreclosure papers on March 28th and going to fight it. Was it our fault, the bank's, the government's-I don't know. All I know is that I'm losing everything I had. My kids are losing everything they had as they were born in this house and consider it home. Is there a lapse in the system? Did the bank have the right to do what they've done?