Consumer complaint received 2016-05-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hardship Letter Short Sale XX/XX/XXXX WFHM Loans XXXX XXXX XXXX XXXX Prior to this I have never bought and sold a home nor have I ever helped or cosign a loan before. 
The person responsible for my hardship name is XXXX XXXX and works for Wells Fargo Home Mortgage as a Home Mortgage Consultant, XXXX ID XXXX. This is the person whom I spoke with over the phone one time only at my place of work in XX/XX/XXXX. I recently received mail from WFHM with his contact information. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. His cell is XXXX. His email is XXXXXXXXXXXX. 
The only contact I had with WFHM about these loans when they were made was a phone call from a loan officer verifying my employment. He called me at work. He also called and spoke with my boss verifying my employment details. XXXX XXXX was my boss at the time. This person calling was XXXX XXXX. 
XX/XX/XXXX I married XXXX XXXX. My wife ask me to help her son obtain a home loan. We were living in XXXX XXXX at the time. I was working there and had my paycheck being direct deposited to Wells Fargo bank checking account. 
This was my first time in my life to experience helping someone get a loan to buy a home and the first time I was involved in buying a home. Prior to this I have had no exposure or experience in either of these business transaction types. 
My agreement with XXXX XXXX was that I was to help him obtain a home loan for a period of time of 6 to 12 months and at that time he was to take it over. He had told me he was making a down payment. I did not believe at the time I would qualify for such a large home loan and thought we would be on the loan together. I gave his mother my current XXXX and a power of attorney from a local business in XXXX, XXXX. She flew to XXXX and delivered them to her son. 
The only contact I had with making the loans was the phone call and giving the POA and XXXX to my wife. 
Hardship was imposed on me in XX/XX/XXXX after WFHM created XXXX loans for me. I thought there was only XXXX loan made. In XX/XX/XXXX several months after the loan was made XXXX XXXX did not make payments and WFHM removed funds involuntary from my personal checking account which was with Wells Fargo to make the payments. This amounted to around {$2900.00}. This was when I learned that there were XXXX loans made. XX/XX/XXXX I was removed from work by doctors and I am XXXX XXXX. 
XXXX XXXX was not being responsible and I was frequently having to pay XXXX and XXXX mortgage payments. 
In XX/XX/XXXX the lack of responsibility from XXXX XXXX drove myself and my wife, his mother, XXXX, to separate. This was XXXX XXXX 's mother. 
In XX/XX/XXXX I obtained the loan package paperwork from WFHM President 's Office. Upon inspection I found there was a XXXX form stating my yearly salary was {$150000.00}. I immediately presented this to WFHM as well as the XXXX and various attorneys. My actual XXXX was in the amount of {$43000.00}. 
I have tried to settle this matter without success. This has come to me at a great expense of peace of mind and financial burden. 
In my mind the loan officer and WFHM was responsible for the loan package with the fraudulent Federal Form XXXX. 
Something else odd was the title left the bank with just my name on it and went back to the bank with my name and XXXX XXXX 's name on it. The attorneys I have hired in the past said improper use of the power of attorney was also a problem. 
It is my belief that this loan should never had been made or approved and the approving authority knew this at the time. This has drained my savings, killed my spirit and my life. It is my desire to be made whole from this fraud that should have never happened.

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