Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On  XXXX   XXXX ,  XXXX , former spouses of  XXXX  -  XXXX  purchased together a  XXXX  condominium.     Both visited  XXXX   XXXX   XXXX /aka  XXXX   XXXX  &  XXXX  local office that were once doing business at a plaza in  XXXX   XXXX , Florida to look at some houses to see if any were affordable. The male purchaser were sick and his former spouse agreed to be his caregiver and co-sign the mortgage.     On  XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX , CT.  XXXX , financed a loan for {$99000.00} using ASC/Wells Fargo. After the couple finish signing agreements and initialing all of them, issuing closing cost certified check as request {$14000.00} which includes the purchase of furnishings inside the unit.     As well as discussing all of the agreements initial and bylaws-maintenance fees, rates, etc. the couple agreed to title insurance fund {$110000.00} that were to cover the value of the property and furnishings ( e.g. schedule A & B ).     The couple understood could cancel the loan within 5 days via fax if there were problems or breach of agreements.     The closing took place at  XXXX  county courthouse and they met Attorney  XXXX   XXXX .  XXXX  and his closing agent  XXXX   XXXX  located at  XXXX   XXXX   XXXX  Issued :  XXXX   XXXX .  XXXX , Agent #  XXXX , Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Florida,  XXXX .     Around  XXXX  when they return to the unit to change locks and remove a lock placed upon the doorknob and clean the unit. The unit were completely empty and all furnishings were removed by the board of directors who blamed a neighbor next door 7 years later with claims this woman had taken all furnishings and donated everything to the board as a payment for her debts.     In part, the board are responsible for securing the unit and were an accomplice to breach of agreements, theft, harassment and lying about the furnishings and refusal to reimburse or cancel the loan agreements.     There were not any proof of who took the furnishings, however, the amendments and Florida  Condo Act w ere violated, for the private community does specify that if the board are having open house, they are to secure the unit and responsible for the unit under schedule B, most especially if the couple signed a commitment to insure the unit.     Immediately, on  XXXX   XXXX ,  XXXX , the couple called and left a message on the voice mail of  XXXX  county title corp explaining to the closing agent and attorney produced the title insurance fund of $  XXXX  the incident. That they had been robbed and wanted to cancel the loan, if not should able to cancel the loan, at least they should be reimburse the {$10000.00} for the furnishings which were apart of the sale.      XXXX  agent/broker driven over to meet the couple around  XXXX  on  XXXX   XXXX ,  XXXX  and were appalled everything were removed and request that we try and get the board to replace the furnishings or claim the money back from the grantor. We called the grantor and he said yes the furnishings does come with the unit, and he did not sell the unit and come back and steal anything. He explained his wife passed on and he sold the furnishings because he needed money for travel back to his home in Texas. He had not been in Florida but his son the executor of probate for the unit received the check.     On  XXXX   XXXX ,  XXXX  the couple attempt to speak to the board and ask around if anyone seen anything to identify the persons responsible for the theft. Not anyone seem to care and refuses to discuss the removal of furnishings leaving the buyers confused and perplex for 7 years.     On  XXXX   XXXX ,  XXXX  the male spouse passed on from an illness and the title were transfer to the ex  wife ( 2nd  part ) by probate attorney she hired of in  XXXX  county.     We did not want to this point furnishings replaced at this point, but wanted reimbursement of the furnishings in cashiers check for {$10000.00} as we paid {$14000.00} closing cost which includes {$1000.00} deposit and {$10000.00} for furnishings. The husband wanted to cancel and did not want any because he were angry and believe to him it was very disrespectful manner towards the new buyers that this community might be a problem later. The couple could not press charges without knowledge who taken the furnishings.     On  XXXX   XXXX ,  XXXX  the couple called around for legal advice and spoken to attorneys of what to do and were informed in a private community if anything as this occur, it is hard to sue anyone unless really know who stolen the furnishings, but must call Ombudsman and complain to see if the loan could be cancelled. To this point, it was not anything to do press charges and cancel the loan. The board of directors  XXXX   XXXX  and Closing Agents and Attorneys refuses to cancel the loan. Wanting the couple to fax to them at the last minute which takes  XXXX  to 5 days to process that would not meet deadline.     After living there all this time between  XXXX   XXXX  -  XXXX   XXXX , nothing were done, and the loan were not cancel by  XXXX   XXXX   XXXX   XXXX .     On  XXXX   XXXX ,  XXXX , the wife filed taxes and reported the theft to the IRS as being a deadline of 7 years of the negligence of the board of directors who were to secure the unit until closing.     The commitment to insure exclusions were that  XXXX   XXXX   ( Condo Association ) w ere responsible for the dates valid on the title insurance fund began on  XXXX   XXXX ,  XXXX . However, the commitment to insure were valid on  XXXX   XXXX ,  XXXX  give account the coupld should have been reimburse or offered new furnishings to stay, or loan cancel whichever they request.     The board president claims at the condo association were that the furnishings were not there when they came by to see if the sale were completed that evening. This information were proof that someone left the door open during closing and the board were responsible and should have cancel the loan.     The couple felt the board should at the least used insurance of the fidelity bond and certificate of title insurance of the association to reimburse $  XXXX  on the unit that the couple signed commitment to insure and were under a fixed conventional mortgage for 30 years.      * Incident 2  --  XXXX   XXXX ,  XXXX  someone kicked out the screen patio door and threaten the woman still living there after husband died some years earlier.    * Incident 3  --  XXXX   XXXX ,  XXXX  the board and accomplices of other nearby units destroy the rear patio of the woman 's unit and tried to hammer her face when she open the door to investigate a burglary. They begin saying they wanted maintenance fees or she should move out. The woman explained the agreements breach since closing  XXXX   XXXX ,  XXXX , you owe me a credit of {$10000.00} and that I have overpaid into the maintenance and assessment accounts at the banks you chosen at least $  XXXX  due to the mortgage has already the maintenance fees included. In part you are billing me additionally for maintenance fees with a third party. She explained to them to contact the bank lender and understand you are breaching again your own polices, bylaws and amendments of  XXXX , year of the building. The woman used a chair to fight off a man using a hammer to hit her in the head and face, but he missed her face and head and hit himself and severed his wrist when trying to injure her with deadly force. The police came out -- in which several men involved were arrested.   *Incident  4  --  XXXX   XXXX ,  XXXX ,   XXXX   officers visited the woman and evicted her under a clause that she is an unauthorized tenant, unknown tenant, with a  XXXX  Doe  XXXX  unknown who use to live there. The fraudulent and slanderous of the title of the home owner, who endured so much hate, including her husband before he passed or violations of civil rights, human rights, and rights to own property.   Incid ent 5- Board of d irectors filed a writ of possession and lied and claim the woman abandon the property. The board purposely file Chapter  XXXX  to  Wells Fargo w ith these lies. The woman were following a claim she has with the bank lender class action to receive back monies in a future distribution on  XXXX   XXXX .    XXXX  Both  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  Incident  6- The  board violated the land title which specifies that the homeowner can not be stop to come and check the unit during lititgations and judgments that liens are covered on the unit and she were locked out of the mailbox and never received summons and important papers due to being evicted illegally and uninformed that Acquistion and Abandonment Filings were sent out by Lender who in turn sold her house with $  XXXX  equity and $  XXXX  losses in furnishings of  XXXX   XXXX , $  XXXX  furnishings and personal belongings, appliances, college degrees and transcripts of  XXXX   XXXX , stolen all of her books and important tax records, and many other pertinent informatin birth certificates and identification.    *   XXXX   XXXX ,  XXXX  - roof damage sheet rock water and sewage spillage between walls of several units, smells of scum and rotten food or some carcass, and many other problems occurred to run out the woman from her home.   *  XXXX   XXXX  - Wells Fargo offer to  the woman a settlement and explained in writing she paid off the loan in advance and that she was a plaintiff and should expect to be reimburse between {$10000.00} - $  XXXX . The judge given the woman until  XXXX   XXXX ,  XXXX  to file claims but said she needed to wait until the appeal filed are heard in court no later than  XXXX   XXXX ,  XXXX .     The board of directors violated federal law and locked the woman out of her mailbox to hinder her from sending back claim forms and contesting their mistreatment of her. They called the police and said the woman were screaming at them and had her baker act and the woman has credentials and papers proving she is a  XXXX  and  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