Consumer complaint received 2016-03-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I AM A VETERAN, AGE XXXX YEARS OLD, MY LIFE WILL NOT BE NO WHERE NEAR WHAT I WANTED DUE TO THE LOSS OF HOME AND RESALE VALUES. THESE FACTS ARE LONGER THAN CAN BE LISTED. PLEASE INVESTIGATE WELLS FARGO MORTGAGE HANDLING OF LOANS, AND REFINANCING, BASED ON FEDERAL GUIDE LINES. 
I have been trying to Get a Loan on MY HOME SINCE XXXX XXXX, basically to assume or have a loan that was in my ex-wife name only, who I feel may have through the assistance of financial investment company and local attorney 's completed a false creation of facts. I allow my home to be Quit Claimed over to my Ex Wife Name, who through local attorney 's office had the quit claim filed, then approximately two months later MY EX-wife Quit Claimed the House back into both our names, right of survivor-ship. The Mortgage Company XXXX, XXXX Georgia ( know Wells Fargo Mortgage ), was presented with a Security Deed for my house, and upon review of the Security Mortgage Clauses it stated that Mortgagee Was NOT ALLOWED TO ASSIGN ANY PORTIONS OF THE SECURITY PROPERTY HOUSE OR LAND OVER TO ANYONE, IF FOUND THAT MORTGAGEE DID THE LOAN WOULD BE CALLED IN IMMEDIATELY. THIS CLAUSE was reason Attorney 's involved in the Loan Process held the filing of the Quit Claim into both names for Two months. The Loan was done to create TAX WRITE OFF FOR MY EX-WIFE, WHICH STARTING IN XXXX, AFTER HOUSE HAD BEEN PAID FOR FULLY FROM GIFTED MONIES TO MY EX-WIFE, PLUS TO WORK ON AN ADDITIONAL AMOUNT INHERITED IN XXXX FROM HER MOTHERS ESTATE WORKED ON BY SAME FINANCIAL COMPANY. The Divorce Mediation Agreement gave me the House, with agreement to obtain a loan into my name only. I started in XXXX XXXX with Wells Fargo Mortgage, on Direct Loan, Reverse Mortgage, but due to Market Failure Appraisals were to low. From XXXX XXXX to Present I have attempted to obtain loans, Direct, HARP, REVERSE MORTGAGES, JUST FOR THE AMOUNT OF THE PAYOFF, WITH SEVERAL ATTEMPTS THROUGH WELLS FARGO MORTGAGE, WITHOUT MISSING ANY HOUSE PAYMENTS FROM XXXX XXXX THRU XXXX XXXX, I WAS TOLD AT ONE TIME GIVEN WRITTEN LETTER WITH A LOAN VALUE FROM WELLS FARGO MORTGAGE AT {$130000.00}, BUT ALL OF SUDDEN WELLS FARGO MORTGAGE TOLD ME THAT DUE TO MY INCOME TO DEBTS RATIO WAS NOT THE RIGHT RATIO-I HAD GIVEN WELLS FARGO MORTGAGE ALL THE DOCUMENTATION THEY HAD ASKED FOR DURING MY LOAN APPLICATIONS. I FIND THAT DUE TO MY EX-WIFE AND HER ATTORNEY THEY VIOLATED THE MEDIATION AGREEMENT, BY NOT PROVIDING LEGAL AUTHORIZATION FOR SPEAKING WITH WELLS FARGO MORTGAGE ON EX-WIFE LOAN, AND PROVIDING THE QUIT CLAIM DEED FROM EX-WIFE TO MYSELF ON THE HOUSE ELIMINATING HER OFF THE HOUSE, THIS WAS TAKEN TO COURT, I WAS GRANTED A CONTEMPT OF COURT, OBTAINING PAPERWORK. FACT LIED TO ABOUT HARP PROGRAMS, AND REVERSE MORTGAGES. HELP ME BANKRUPTCY DECLARED. I AM A VETERAN AND LOANS REFUSED WELLS FARGO MORTGAGE!!!! I HAVE DOCUMENTATION TO SUPPORT FINDINGS ALONG WITH OTHER FINDINGS AS TO THIS COMPLAINANT. THE BANKRUPTCY FILE TO STOP FORECLOSURE BY WELLS FARGO MORTGAGE ALONG WITH PROTECTING MY LOSS OF RETIREMENT MONIES. HOUSE PAYOFF APPROX {$110000.00} MARKET $ XXXX. ACTUAL HOUSE PAYMENT WOULD BE EQUAL TO OR LESS THAN AMOUNT I HAVE COME UP WITH TO GIVE HOUSE TO FEDERAL BANKRUPTCY TRUSTEE TO SELL.

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