Consumer complaint received 2018-04-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Hello my name is XXXX XXXX. I am a XXXX veteran that used my va home loan garuntee to purches a home in louisianna. I used wells faro for the loan. Wells fargo used predatory lending tacticswith regard to my loan. I have put 3 claims in to the CFPB. Congressman XXXX office has put in 3 claims in my name. the white house office of presidential correspondence has put in 2 claims in my name. the federal reserve has put 2 claims in my name. the federal trade commission and louisianna office of financial institutions have put in claims in my name. the CFPB does not do anything for counsumers except forward messages from the person who put in the claim to the company then closes the case when the bank responds. The CFPB does not look at those responses or do anything to help the consumer. The CFPB is showing to only exist to help banks and not a customer. I will be going filling this complaint as a response to the banks response. I will be using facts not opinions. I would like to point out facts stay consistant while a banks opinion can change with the help of the CFPB. 
Failure to disclose insurance information and provide customer with accurate closing disclosures. Wells fargo has admitted that it was their mistake by hunman error on their part for failing to disclose the extra wind insurance that should have been disclosed. Wind insurance for XX/XX/XXXX is {$3200.00} which makes 29 years of the new insurance equal to over {$95000.00} of undisclosed debt. This resulted in having closing disclosures GFE and TILA that were never accurate and shows that I never had a qualified loan. I have never recived a closing disclosure that had the correct amounts on it. Based on wells fargo failing to disclose info and creating a {$95000.00} debt for myself and failing to provide accurate disclosures after the issues were reported I should be released from the mortgae and be reembersed for all expenses to include moving costs to and from house location. To include all matinence servecies and improvments made to the property. I would also like to point out that XXXX XXXX in the first complaint I filled stated that they clicked off the requirement to wind insurance and verified that they knew that my home owners policy specificly did not have wind coverage. 
Debt to income ratio : this is my fourth complaint I have filed. In the first 2 complaints XXXX and XXXX both agnowledged that they are using a uniform loan applicationform dated XX/XX/XXXX instead of using the lasted and most up to date formdated XX/XX/XXXX. On the third complaint XXXX XXXX says that they are now using the XX/XX/XXXX form but are taking away some of the values listed on the document. They are doing this to circumnavigate laws and regualtions to give the impression that my loan was a qualified loan even when it was not. Since the CFPB and the VA home loan garuntee is ment to help the companys instead of having the consumer as a priority. 
In the response from XXXX they state my income is XXXX and my monthly obligations of XXXX based on those figures provided by wells fargo it equates to a debt to income ratio of 52 %. XXXX also provided in their response that they can change my income and make it higher as they see fit, also taking away over {$350.00} that was listed as my debt to further hid the fact that my debt to income ration was correct when it never was and shows my mortgage was not a qualified mortgage. Banks should not be allowed to change a customers income and make it higher then it already is. They should also not be allowed to take away money that was already counted as a debt. 
XXXX states that the VA requires all applications to qualify with an estimated amount of matintenance and ulititie costs. The next paragraph they wrote stated the VA does not reuire to the other amount of {$350.00} when calculation DEBT to income ratios. so they are saying that va requires them to do something but va also doesnt require them to do the same thing. Wells fargos responses change everytime a new one is submitted. They have never had any consistency on their responses except for admitting that it was their falut for not disclosing information.