Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Letter to WF dated XX/XX/XXXX : I am writing to finalize and complain about the harassment that I have had with WF in regard to this loan. This will be my last attempt to settle this debt ( inappropriately processed ), related to my XXXX home construction loan that I obtained from WF. I am a victim of misleading and false statements and promises made by your representative during the fiasco of my construction loan. Also, I have attempted to previously discuss this loan with WF. On XXXX XXXX, XXXX, at XXXX, I left a voice message with XXXX at XXXX and havent received a return call. It is aggravating to have to present over and over the timeline of what was one of the worst times in my life. 
In late XXXX, my husband and I, sought to build our dream home in XXXX, OR. We were approved a home construction loan through the XXXX WF office. We began construction and during the process our general contractor, XXXX XXXX, bailed on the entire project leaving it unfinished and us holding the bag. He was not sufficiently vetted or screened by your Real Estate Construction Loan Department and other construction related insurances that would assure that construction would be completed. In fact, he withdrew funds from the WF escrow construction funds and failed to use these funds to build our home. He filed for bankruptcy and had all debts discharged including our {$67000.00} judgment against him. We were only able to collect {$10000.00} from the performance bond ( XXXX on the dollar ). 
Instead of admitting that there were errors and mistakes made by WF, we were told that we must use whatever methods and loans available to us to complete the home. Therefore, we accepted three WF loans. We had the construction loan that would allow no more draws : {$23000.00} signature loan, a WF Visa in the amount of {$10000.00} and WF auto loan that financed my XXXX truck at 129 % of its value and the same loan of which this letter refers to. These new loans plus another of my credit card financed the completion of the house. The WF loan officer promised that once the home was completed, we could refinance into permanent financing to pay off the {$23000.00} promissory note, the {$10000.00} Visa and our truck loan. 
Due to these unlawful actions of WF, I am claimant of the {$140.00} XXXX class action settlement related to the opening of unauthorized accounts. 
After the home was finally complete, WF refused to refinance the mortgage to incorporate the promissory note of {$23000.00}, the Visa of {$10000.00}, and this auto loan. We were forced to apply to modify the real estate portion of the loan. After WF misplaced ( or never received ) the loan modification package three times, I withdrew {$3800.00} from my retirement to retain an attorney to work through this complicated process. However, during this time WF started foreclosure proceedings. Consequently, we put our home up for sale as a short sale and sold it in XX/XX/XXXX, but continued to battle with WF on the outstanding balances from the Visa and promissory note and this auto loan. 
I am very tired of dealing and cleaning up all the messes that in fact, WF created. I have been given relief through Court action on one loan with WF being forced to excuse this debt. 
Now that the auto loan is over 10 years old and the result of WF inappropriate practices, I want WF to release the title to my 2005 XXXX XXXX. Do the right thing finally!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation