Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo, Home preservation ; XXXX XXXX XXXX, extension XXXX XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX XXXX XXXX you called me this morning at a time in which I told you that I would not be here, when I did a return at the given time which was after XXXX, I returned your phone call and left you a voice message. I waited around as long as I could until about XXXX. I have sent a copy of a letter to you that was dated XXXX XXXX, 2016 the letter states this, We are in receipt of new documents submitted on XXXX XXXX, 2016 please note in order to meet regulatory guidelines in appraisal needs to be completed an independent third-party without affiliation to customer or the lender. This helps ensure the appraisal is neutral assessment of property value this process is done internally and the appraisal is ordered from the independent third-party. This type of appraisal was promised to me in a letter that dated XXXX XXXX, if Wells Fargo says that they are looking for independent third-party appraiser without any affiliations to myself or Wells Fargo then I have a right to have 1. Have a copy of the appraisal 2. I should have had a right to know who the appraiser is. This is why I feel like I am still being unjustly and unfairly treated as a XXXX female in this situation. I have stated previously to Wells Fargo that I would put up my part of the financial resources to be able to accomplish the appraisal properly and fairly and it still has not happened in the manner in which you stated in this letter or that your Company stated previously before this letter was sent over the phone. If this does not happen within a timely manner I will then order an appraisal myself and put and send it to you in the CFPB so that I will know for a fact that I am being fairly treated. I will also attach along with the above statement to the consumer financial protection bureau CFPB. This is where you sent this letter I never received a copy in the mail but I found it in my inquiry account with the CFPB. It is a shame that you state that you are doing everything decent and in order when in fact you 're really not. I have also attached a currents XXXX that was done by me as a XXXX ( I know that you will not honor it but I just want you to know that I am not ignorant ) and the fact that the property value that you have at this current time of {$240000.00} is not correct. This is what I do all day long for a living. These XXXX properties enclosed have recently sold in this area and are comparable to the property that I live in. To be able to make my home more affordable the appraisal has to be done fairly and matched with comparable properties that are similar to mine in size and style. I have also included a letter that I received right before I got ready to send this information from the CFPB that states that you are still working on the process and requesting 60 more days to complete your findings. 
Please note that if I do not answer the phone on tomorrow Friday, XXXX XXXX it is because I have been advised by my physician ( XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ) that I have to take this process one day at a time. I got XXXX after talking with you the other day. 
My adult son ( XXXX XXXX, XXXX ) wanted me to let you know that he is in the process of looking for an attorney to sue Wells Fargo on my behalf for the way I have been treated which has now caused me to have major health issues. He has stated that if you have any questions to this matter you can contact him at the number above in this paragraph, and yes I give him permission to speak with you in reference to

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