Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I have been under the direction and guide of my loan team at Wells Fargo for XXXXur months and they have now made crucial mistakes & have set my house up to be foreclosed on & actually Im unsure of the rest. 
I have been making formal complaints to Wells Fargo and this agency the entire time, and at this point, I have been accusing my loan team of conducting business inappropriately. I am in the closing of my loan and received closing disclosure and esigned it and funds are supposed to be disbursed on XX/XX/XXXX, and in this loan the missed payments are included and the homeowners association fees etc. 
Wells Fargo has had my homeowners association information for six months, during which time a lien has been placed, and it is to be paid for in my loan. I have been asking specifically about this issue to my loan team, and they have never responded and actually acted as if I have never asked the question! 
My loan officer tells me he made a crucial mistake in knowing if my house was on a COVID-19 forbearance or not, the next day I find out that he did not make a mistake, as theres no way I couldve been in a forbearance to have even gone forward with any loan at Wells Fargo XXXX to be in the closing now. 
I explained for many months my situation to Wells Fargo and I dont believe any of it for a minute, as I know any loan XXXXfficer at Wells Fargo would instantly see all of my information for months conducting a loan. I have been under the direction and guide of Wells Fargo and my loan officers, so if they were guiding me towards success and the goal how would I be in this position with their lead? 
I now find out that the homeowners association is foreclosing on my home, and there is no way that I am going to allow that to happen while I have been complaining to this agency and Wells Fargo and accusing them of setting me up specifically! 
I have spoke to XXXX XXXX in the Wells Fargo Executive Office, and she has confirmed that they are employees of Wells Fargo and that she was going to make sure there was no foreclosure or any issues on my account, and I have not heard back from her. 
Unfortunately I do not have any time to waste while Wells Fargo tries to deal with their corrupt employees. I am uncertain on the state of this loan, as just yesterday I got an email from my title closer asking me what the status is. 
I was waiting for the response from my loan team, as I emailed to the title closer explaining this, because the deed that they were asking me to have done was unusual and not normal practice, so I did not sign it and sent it to them to see if it was OK and what they required. 
Im appalled that no one in the executive offices has cared to talk to their employees on my loan team, who have done this to me, clearly to have received this email whatsoever! This is the worlds largest financial institution and there are many employees against one person myself, but I know that I have done nothing but follow the direction of Wells Fargo, & my questions will be answered & no one will set me up like this & insult my intelligence.