Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Complaint # XXXX-XXXX  update : WF Skipping legal steps by not takinf an application and my income by making decisions for HUD and FHA without going through the process for a FHA 30 yr fixed MODIFICATION PROGRAM-WF continues to mistreat me, first off in XX/XX/XXXX they took an application and income and offered a HAMP mod agreement with an expiration date for docs to be signed. WF denied appealed first agreement based on an increase in income in XXXX per FHA Guidelines is what I was told. They proceeded with same HAMP mod agmt. They promised that they would provide term agreements, APR, total of payments and amortization schedule by XX/XX/XXXX, as they didnt. As I feel Ihave a right to know ans they refused to provide this info to me. They also provided docs indicating this information would be sent to me by amortization expiration XX/XX/XXXX. I received this information AFTER the expiration date ( in XXXX ). I also questioned the longer term and higher interest rate as I was told " FHA Underwriters made this determination based on my income at that time a HAMP mod agmt ''. I received an exception per XXXX XXXX and will receive new packet in the mail, also at the same time I got TWO phone calls in XX/XX/XXXX leaving a voice mail from a XXXX with Wells Fargo rentry dept, regarding a new modification request- his exact message on my voice mail : I need to know what has changed since the last review. He did not leave his contact phone number. XXXX called twice with the same message. I asked for a XXXX as XXXX blew me off regarding the call. I got follow up calls from XXXX stating a new package will be sent out. I received this new package on XX/XX/XXXX with an expiration date of XX/XX/XXXX. I left numerous messages with new preservation specialist XXXX as she refused to call me back regarding my new income or a new ap as my income had changed and WF wants to play games by saying I got an exception and they suddenly ARE NOT REQUIRED TO TAKE NEW INCOME INFO OR TAKE A NEW APPLICATION and all information for a new mod agreement is based on my ap from XX/XX/XXXX, however the documents information are dated XX/XX/XXXX. WHATS NOT MAKING SENSE IS According to WF mod agreement decision approval was based FHA underwriters where they reviewed ap in XX/XX/XXXX. So how did these so-called FHA Underwriters approve a HAMP mod agreement to a Partial Claim Mod agreement dated XX/XX/XXXX without taking a new application and income?? How was this underwritten per FHA Guidelines in XX/XX/XXXX? Or was this decision made by WF? as per guidelines WF can not underwrite FHA Modification agreements. CFPB Who Made this Mod agmt decision and Who underwrote this Partial Claim Mod Agment and is this within guidelines CFPB? Now WF is underwriting Modification agreements? I will contact FHA and HUD to get answer as I dont understand how WF can make these decisions as this is not a legal process and WF continues to cover their illegalities and running another SCAM Modification agreements require an application as they did not take updated info and based this on 6 month old information and made theyre own decision as to the type of mod agreement from a HAMP to a Partial claim without taking ap info. This is a SCAM. XX/XX/XXXX I just talked to a XXXX as she says they didnt do anything worngof course! Disregarded and blew off the application process as she continues to say You dont have to do this just to get out of the SCAM and their illegal actions. I also got a call from a XXXX XXXX on XX/XX/XXXX asking me if I need a notary as they want to proceed with the Partial claim showing expiration date of XX/XX/XXXX and asking me to sign a expired mod agreement on XXXX XXXX XXXX and how XXXX can assist me with a notary. Another part their SCAM. They want to blow off the illegal process by not taking ap info and remove and omit the steps from the FHA Underwriters to make this mod agreement legal and apparently disregard the exp date of XX/XX/XXXX by calling me ( XXXX ph # XXXX ) to sign agreement after XX/XX/XXXX. Doesnt make any sense, finally XXXX called me after exp date of XX/XX/XXXX, she called me on a SUNDay XX/XX/XXXX for notary assistance. Wells Fargo behavior is totally UNACCEPTABLE. Who do they think theyre fooling? This is nothing but a SCAM.