During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect. 
