Consumer complaint received 2016-04-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of applying for a HELOC since XXXX XXXX with wells fargo I submited my application online and provided the require documents I had to deal with the underwriter and the loan XXXX. Initially the underwriter told me that I had the option to include my car debt so the terms will be better, then I spoke with the loan XXXX and told her that I did not want to include the car debt there since the terms with the current bank were better, she told me that she will communicate that with the underwriter and modify that. as time goes by the got the title of my house and told me that they require my divorce decree or a separation agreement. As soon as they ask about that I put the document online for the to review and faxed a copy of the original document that was given to me when the divorce was finalized with was before I purchase my house. so the date on the divorce decree was XXXX of XXXX and we close on my home on XXXX XXXX. The underwriter call me back and told me that the document was incomplete and that she needed a copy of a separation agreement and property settlement. I did call her back and explain to her that : 1. The divorced decree that I had submitted was complete. 
2. There was not separation agreement because my ex wife and I did not have kids. 
3.There was not property settlement because we did not owed properties while we were married, neither we had share accounts or anything like that, therefore those documents did not exist and there was not anyway for me to provide those documents to her. 

She kept on insisted that my divorced decree was incomplete and that I must provide a copy of those along with the property settlement and the separation agreement. despite of my multiple efforts to try to explain to her that she was wrong. she insisted stubbornly and threaten to close my application if I do not provide her with those documents. 
I proceed to let her know that I had been a costumer for a long time and that I was starting to question her capacity to look at those documents since she did not even took a look at the tittle of my home that is under my name ONLY. and to the dates on the divorce decree and the closing. 
I told her that I needed to speak with the loan officer. she told me that that was ok! so I spoke to the loan officer, she told me that she had spoken to her underwriter and that they need additional documents. when I ask about what documents was exactly she talking about ; she told me initially that she did not know. I proceed to tell her that if she did not know, how in the world am I gon na provide those documents for her. then she told me that I needed a separation agreement and a property settlement. I told her that I need that in writing and she send me an e-mail asking for those. The loan officer proceed to send me an e-mail stating that if I did not provide those documents by the end of the month ASAP she will close my application. 
Then I proceed to call wells fargo and file a claim that the loan officer as well as the underwriter where asking for unreasonable documents that I could not provide because they did not exist and explain my reasons etc. 
after few days a manager call me and told me that I need to provide those documents Property settlement and divorce agreement because there was a line where my ex wife ( the plaintiff ) was asking for a supply debt that I had. I Just let her talk and then the she was done I told her that : 1. That that the line in the divorce decree that she was talking about had a cross line on top initialed by the judge himself. therefore was invalid. 

when I told her that she proceed to said that she need to call me back because she did not have an answer for me at that point.the days went by and never heard from her, so I decided to call her back to see what was going on. she answer and told me that she can not do nothing because the loan officer XXXX

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