Published: Sep 14, 2010 11:32 PM EDT
Updated: Sep 14, 2010 4:08 PM EDT

CAPE CORAL, Fla. - A woman's beloved home, sold out from under her by the bank.  It's the third such case uncovered by the WINK NEWS Call for Action team.  And not only did the woman lose her home, but the bank still collected payments four months after selling it!

"My credit is destroyed, my family is devastated, all because of Wells Fargo," Susan Likus told WINK News.

When Likus couldn't make her full mortgage payments she entered a trial modification program in May of 2009.

"My husband used to call biweekly, to check on the status," she said.

But each time they called a customer service representative told them they were in the review process.  Fast forward a few months to September of 2009 when the bank served Susan with foreclosure papers.

She told us that she immediately called Wells Fargo.

"They told us it was sent to us in error and that we should disregard it.  If there was something about to appear in court, they told us- we asked them if we need to appear, they told us not to.  It wasn't needed because it would be canceled," Susan recalled.

So she didn't show up to court and a few months later, in January of 2010, she learned that she didn't qualify for the permanent modification program; but she says the bank agreed to keep working with them.

"They said, well listen, continue paying $950 in change and we will help you find another program.  And we agreed," Susan said.

However, one month later, in February, she received startling news.

"I got a letter from a realtor stating that we didn't own our home anymore... I then turned and called Wells Fargo to ask them what this letter was all about they said, 'I have no idea,' that we're still in review," she told us.

Susan's loan may have still been under review, but we did some digging and documents show Susan's home was auctioned off and sold in October 2009; four months prior to her eviction notice.

"Wells Fargo didn't. The people at customer services had no idea that my home was sold," she said.

From October 2009 to February 2010, the bank was still getting paid.  

Susan then said, "Wells Fargo called us at least ten times in the month of March, asking us where our March payment was."

Wells Fargo did refund Susan the money she paid from October through February, but it's not enough to ease her pain.

"Ideally I would love my home back but with them selling it twice over and new owners renting it out, it's not possible and I know it because I drive past there all the time, because I miss my home," Susan said.

We did hear back from Wells Fargo.  They sent us the court documents showing that the foreclosure sale of Susan's home had been rescheduled.  It's a document that Susan Likus admits she got, but says someone at Wells Fargo told her it was a mistake.

Wells Fargo also sent us the following statement:

We worked with the Likus family for several months to determine in an effort [sic] to find a loan modification for them. In some cases, as in this one, we work with homeowners even after a foreclosure sale. If a borrower can afford a modified payment in those situations, we may be able to rescind the foreclosure sale and move forward with a modification agreement.

Unfortunately, we could not find an option for the Likus family that would allow them to keep their home. Once we made that determination, we refunded the payments they made after the October sale. While we were unable to modify the Likus family’s loan, we have modified more than 520,000 mortgages since January 2009.