Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a lot of information to disclose in regards to this claim. I am asking for additional professional assistance. I will explain what happened, although I do need to be contacted to fully present all allegations and with all the individuals and agencies involved. There are numerous departments to list. Thank you for your time. 
My ex-boyfriends mother whom is the broker involved with the purchase of a property I made on XXXX XXXX. She handled all the contacting of the bank for the loan ( Wells Fargo Home Mortgage ) FHA HUD. A short-sale property in which she knew the seller. She hired the inspector and appraisal agencies. I did pay for the services. My broker failed to professionally explain the loan agreements and she also put me on her XXXX Credit card Account. She said I would only be added as a joint account to hers. Since I never had established credit in order to be approved by the underwriters. She offered that alternative. My credit is now negatively affected by her delinquent purchase of items at XXXX in the amount of {$450.00}. On XXXX, XXXX is the status date. On my XXXX credit report dated XX/XX/XXXX. XXXX, it states the account was opened on XX/XX/XXXX. I didn't even know my broker at that time. It also states that her and another individual that is unknown to me are the ones who are on my joint account for XXXX, meaning somehow I am the card primary holder. I am not responsible for those charges because i did not make them. I never received a credit card. My broker manipulated me. The account was closed at guantors request. I did not open or close no account for XXXX. After my broker made purchases in my name she closed the account. After seeing this on my credit report I did call XXXX headquaters and they confirmed that i was the primary holder. She mislead me from the beginning, until the end of the property being sold by her on XX/XX/XXXX. XXXX. I then been investigating and obtaining all the documents I could because I knew she was committing fraud. After receiving the credit report on XX/XX/XXXX. XXXX. Going back to the beginning, While I was living in the home I started having high utility bills. 
The electricity and water. I repeated asked my broker for another copy of the inspection report since the one she had presented to me she stated the house did not need any upgrades that it was in great condition. I did read the report and nothing said there were issues i should have been concerned about. During the inspection process, I did met with her at the property when the inspector she hired was there to met with us. She did not stay with myself and him she left as soon as she got there staying she had to pick up her children from school. I never met the inspector before so I felt uncomfortable and I ended up leaving after her. She failed to do what she is obligated to do as a licensed real estate agent. Well, going back to the request of another copy of the report she eventually met with me and gave me a copy. When i read this Correct Report I read that the property had wire malfunction and plumbing defects. It listed numerous concerning conditions and I was quite upset. She also failed to inform me to having to pay for Homeowners Association fee, in which I ended up receiving a lien on the property on XX/XX/XXXX. As time went by I could not make the mortgage payments and i lost my job and was receiving unemployment. The house fell into foreclosure. I reached out to my broker. She convinced me that she would make the mortgage payments as long as I sign the deed to her and she would move into the property. While in distress. I agreed. She stated not to call the bank, or say she was living in the home. She would call them. I was very depressed at that time. I agreed and moved out. While she was living in the home she never have me my mail I would receive and one time I let her know I expecting a letter and when it arrived she opened ot and threw it away. I kept in contact with her because the mortgage was still in my name and I still felt obligated and believed I still had responsibility to the property. Even though i did sign some form I believe was the deed to her, she did not review the form with me she only showed me where to sign just like she did when she had me sign the loan documents. One day she told me the house had flooded she she made insurance claims. She did not mention how many claims or that they were in my name. I eventually found out she made homeowner 's insurance claims in the amount of {$17000.00}. Im not sure how she made them or how she cashed them when they were in my name. My broker made numerous illegal transactions and activity while using my personal identification without my knowledge or consent. I am asking for help to take the proper steps in filing a lawsuit against her and all who are involved with this scam. I have a lot more to present and the agencies that are involved.please contact me at your earliest convenience.

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