Consumer complaint received 2015-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Loan # XXXX XXXX XXXX. 
Complaint Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I stated to Wells Fargo Home Mortgage pages XXXX could not be read and verified from their XXXX/XXXX/15 email attachment. Wells Fargo did not even attempt to send readable copies I would like for Wells Fargo Home Mortgage to send me readable copies of their email attachment sent on : XXXX/XXXX/15, pages XXXX. Wells Fargo Home Mortgage has stated copies of the back of a preceeding page is why many documents are unreadable .I have had preceeding pages or back of pages a little lighter but not unreadable. 
2.Wells Fargo please send the complete copies from the start of this loan of all original Mortgage Statements not just the front side or page XXXX. Please send all pages of the original mortgage front and back of all pages.Wells Fargo Home Mortgage please do not just send me the XXXX page of all my mortgage statements from the start of this loan. 
3. I requested on : XXXX/XXXX/15 all copies not just page XXXX of each months original mortgage statement from the start of this loan. As you are aware each Monthly Mortgage Statement is more then XXXX page. Every months mortgage statements are several pages of monthly disclosures. In my written request I stated Wells Fargo Home Mortgage skipped this request as if partial mortgage statements are ok and giving no mortgage statements is ok, I am unable to verify my mortgage balance. 
4. Please send all Disclosures stating how deferred Interest could make this Loan more Affordable or less Affordable and you could risk losing your home latter or at some point. 
5. Wells Fargo Home Mortgage was this a stated Mortgage loan with my signature XXXX XXXX? if so please send documentation6. Wells Fargo Home Mortgage did this loan start a Pick A Pay Loan with my signature XXXX XXXX? if so please send documentation7.Wells Fargo Home Mortgage please state all Pre-Foreclosure charges on this loan. 
8.I would like to know is this loan Assumable? Will you please send me your guide lines and fees? If this is not a option please state so. 
9. Will you please review my account and send me all loan options that are available for this loan by email or mail? I am very aware I can call Phone Support but I have not received all the information I need from your support by phone. If this is not a option please state so. 
10. I asked if this loan is assumable, Wells Fargo Home Mortgage stated that XXXX. XXXX could be removed. I have explained to Wells Fargo Home Mortgage my husband is very ill and I XXXX XXXX have to now handle all Loan Servicing concerns on this loan and I would like to be mailed or emailed all loan Assumption Options if possible. If this option is not available please state so. 
11. Wells Fargo Home Mortgage stated on XXXX XXXX, 2015 they sent a account history that was not completely readable stating they had listed all fees that had been removed off this account. I have not been given or not able to read the listed fees that have been removed off this account. I am requesting Wells Fargo Home Mortgage to resend me the list of fees that have been removed off this account as you have stated in a separate typed response12. In my earlier typed response I requested for you to give me someone else to work with other then XXXX XXXX. Wells Fargo Home Mortgage is a large corporation and did not address my concerns. 
13. I would like to be mailed all loan Workout Options for review before speaking to XXXX of your reps. If this is not possible please state so and not skip this question. 
14. After reviewing my loan options I would like to my a appointment by phone to talk about my loan options. If this is not possible please state so and not skip this question. 
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