Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Valuation performed XX/XX/XXXX This should be obvious to anyone inside of Well Fargo. 
XXXX ) The address listed in XXXX XXXX XXXX XXXX. 
XXXX ) Wells Fargo Home Mortgage, Home Equity Line, XXXX XXXX  ( Checking and Savings ) all have the LEGAL ADDRESSING OF PROPERTY - Currently correct. 
XXXX ) I have even looked at XXXX website, they list the home correctly. 
XXXX ) The person from XXXX XXXX is to be completely disregarded for not providing a legal document with the LEGAL ADDRESS OF PROPERTY as provided by the XXXX XXXX XXXX XXXX XXXX, The City of XXXX, and many references. 
XXXX ) Also to note, the property value can not be consistent with the standard plot of land in the XXXX of XXXX. I went before the XXXX members for XXXX XXXX aa long time ago to address the issue that the plot of land is pie-shaped, and not a rectangle or square plot of land. Hence, the valuation model measured against like properties is incorrect. 
XXXX ) Please also look to he details of the XXXX XXXX XXXX XXXX. Their last known valuation was listed at around {$110000.00} not in the range of {$130000.00}. 
7 ) Multiple properties in the area are rental properties, including the home directly next door, and at least one more on the street. 
I also received a notification regarding XXXX Tax documentation. The best my legal advisor could determine with the program I have at work for XXXX XXXX XXXX. With that considered, I have been a part of that program for over 3 years, and that continues through employment. 
To date, I have paid over {$17000.00} to XXXX XXXX none of the funds applied. I have also maintained payment to XXXX of XXXX for the past XXXX months, consistently. This will continue. 
As for the process in process for 45 days ( at the time of the last documents sent to me ). XXXX XXXX XXXX had sent a letter Summer XXXX, did nothing then, except for Wells Fargo Home Mortgage in XXXX, MI mailed a Short Sale form indicating the home was eligible for Short Sale..etc. Nothing came to pass. 
XXXX XXXX Firm was a no-show at heir Scheduled Court Date XX/XX/XXXX with no notification that I was not to appear. The Clerk in the meeting room I was scheduled to appear in indicated that I was Cooperating with Wells Fargo, and there was no need for a XXXX appearance. For XXXX XXXX, I have been current on payments. Wells Fargo Home Mortgage only returned XXXX small payments less than {$900.00} in total. Currently, Wells Fargo Home Mortgage is in possession of the amounts paid since XXXX XXXX, through the current date. 
All along, during any of the Assistance XXXX, no forms were sent to a local branch, a meeting set up with a Notary in an office, and forms verified, signed, and returned. When the home was refinanced, and the Equity Line of Credit signed for, forms were electronically sent to an office, a meeting arranged, and papers signed, and faxed/scanned back to XXXX. This method can be more beneficial to all parties considering XXXX, availability and scheduling of personnel, and following safe office procedures. 
XXXX XXXX Wells Fargo FAILURES TO RETURN MONEY WELLS FARGO HAS BEEN TURNED INTO THE IOWA ATTORNEY GENERALS OFFICE SEVERAL TIMES. MOSTLY FOR FAILURE TO MAINTAIN A CORRECT LEGAL ADDRESS OF PROPERLY. 
THEIR DISPUTE RESOLUTION SPECIALISTS AND XXXX MANAGEMENT OF CUSTOMER RELATIONS HAVE INFORMED ME AND THE IOWA ATTORNEYT GENERALS OFFICE THAT THE LEGAL ADDRESS IS NOT 1931 N OAK STREET MULTIPLE TIMES YET, THEY CONTINUED TO SEND TO THAT ADDRESS. 
DELIVERY GOES TO XXXX XXXX XXXX XX/XX/XXXX TIMES WHEN ADDRESSED IMPROPERLY. 
TO DATE, THE LAST PAYMENT THEY HAVE MADE WAS IN THE AMOUNT OF A LITTLE OVER {$2000.00} OF WHICH THERE WAS NO DOCUMENTATION OF WHAT THE CHECK WAS ALLOCATED OR ATTRIBUTED TO OF PREVIOUS PAYMENTS. STILL UNACCOUNTED FOR ARE NON RETURNS OF EVERYTHING ON THE MONTHLY STATEMENTS THAT ARE CLEARLY MARKED UNAPPLIED FUNDS WELLS FARGO HOME MORTGAGE LOAN MODIFICATION PROGRAM WAS SET TO MAKE A FAILURE OF MT FAMILY AT THE TIME, AND THEIR ATTEMPTS AT FORECLOSURE MAY STILL LOOM IN THE BACKGROUND EVEN THOUGH I HAVE A LOAN MODIFICATION FROM XXXX MORTGAGE THAT THE ACCOUNT WAS TRANSFERRED TO. 
WELLS FARGO HOME MORTGAGE AND XXXX ARE TIED INTO A COURT CASE THAT WILL NOT GO AWAY XXXX IN XXXX XXXX XXXX SYSTEM ( IOWA ). NO ACTION HAS BEEN TAKEN, THE CASE HAS NOT BEEN REMOVED SINCE XXXX. 
WELLS FARGO PROCESSES FOR LOAN MODIFICATIONS FAIL GREATLY. WHEN I REFINANCED ON TIME, THE PERSON IN PENNSYLVANIA SENT DOCUMENTS ELECTRONICALLY TO THE XXXX IOWA WELLS FARGO XXXX AND ALL DOCUMENTS SIGNED IN FRONT OF A MORTGAGE XXXX. WHEN PROCESSING THE LOAN MODIFICATION, HE SAME COURTST DID NOT APPLY. I REPEATEDLY RECEIVED DOCUMENTS FROM MULTIPLE SOURCES, DIFFERENT STATES, AND WAS NOEVE OFFERD TO GO INTO THE LOCAL BRANCH IN PERSON AND SIGN EVERYTHING XXXX TIME. XXXX MORTGAGE SENT XXXX DOCUMENT, WE SIGNED, THEN FAXED AND HARD COPY MAILED TO DOCUMENT, AND THE SECOND VICE PRESIDENT SIGNED OFF ON THE LOAN MODIFICATION WITHIN A WEEK! 
WELLS FARGO OWES ME ALL THE UNAPPLIED FUNDS, PLUS ALL LEGAL FEES, INTEREST ACCUMULATED ON THE MONEY IN THEIR POSSESSION IMMEDIATELY, WITHOUT EXCEPTION.

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