Wells Fargo continues to avoid answering any questions that they label as " too broad ''. Well, XXXX law may be able to explain each question in " more detail. '' 1 ( Underwriting ) -Was the loan was underwritten with a loan-to-value ratio at or above 90 % and the ratio of the borrower 's debt, including all housing-related and recurring monthly debt, to the borrower 's income exceeded 38 % ; or ( g ) the loan was underwritten as a component of a loan transaction, in which the combined loan-to-value ratio exceeded 95 % ; provided, however, that a loan shall be a certain mortgage loan if, after the performance of reasonable due diligence, a creditor is unable to determine whether the loan has XXXX or more of the loan features in XXXX XXXX XXXX : Certain Mortgage Loan ( a ) through ( g ) ; and provided, further, that loans financed by the XXXX XXXX XXXX XXXX XXXX established in XXXX XXXX, XXXX XXXX and loans originated through programs administered by the XXXX XXXX XXXX XXXX XXXX established in XXXX XXXX, XXXX XXXX, XXXX shall not be certain mortgage loans. 

2 ) Counseling-XXXX XXXX states/has stated that she CAN SPEAK for XXXX third party agency called XXXX XXXX for Debt Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She all but admits that Wells Fargo walked me down each couseling and financial literacy path directed by Wells Fargo XXXX. This next text relates to my claims that XXXX XXXX did exactly what she said when it came to arranging third party and/or Lender Counseling. XXXX XXXX is an arm of WF ) Counseling is required for all XXXX Reverse mortgages are the only financial product ( perhaps the only product, period ) that require this. Why? Caution. Because reverse mortgages are designed for an older audience who are often on fixed incomes and involves what is usually everyone 's most valuable asset -- their home -- government and the reverse mortgage industry want to make sure you have all the information you need to make the right decision. In Wells Fargo 's case, they want you to know as little as possible. A counseling session can take place either face-to-face or by telephone. Counselors have been trained to deliver the required information either way. The session should generally last 90 minutes but can take longer as needed. 
Loan originators are NOT PERMITTED to direct you to a specific counselor or counseling agency. Instead, they are required by XXXX to provide a list of counselors, including LOCAL AGENCIES and national intermediaries who are selected by XXXX to provide counseling by telephone across the country. 
XXXX XXXX, Could you provide the CFPB with the data pertaining to the amount of potential XXXX mortgagors who had their counseling done by XXXX XXXX for Debt Management? You have made it very clear that you can speak for them, correct? So why not tell us how many of your XXXX went through XXXX? Since Wells Fargo stopped handling XXXX loans in XXXX, I took the liberty of contacting XXXX regarding the astounding amount of Wells Fargo XXXX sessions they handled for WF from XXXX. Do you know what their answer was? I will obviously get a subpoena for those records. If I already have not done so? The call was recorded on both ends. Just like I told you XXXX XXXX, ( All phone calls will be recorded on XXXX ends ) and I have n't heard a word from you since that was said in late XXXX. I thought you were here to help? Once again, you lie and tell the CFPB that you have n't been able to contact me. XXXX and XXXX. You continue to repeat the same dribble in terms of reaching out for XXXX XXXX. I 've told you several times that I refuse to speak with her regarding anything. Just as you send your potential " XXXX '' to XXXX for counseling, you also choose their point of contact. I 'm really starting to see a pattern of deceipt by control.