Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof and documentation the used in there reason for denying me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the first mediation they had the wrong information regarding my salary on the document sent to my attorney. They had my salary on their Good Faith estimate they used in mediation and also forced placed insurance for XXXX. My attorney told them the true figure which we already sent pay-stubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The pay-stubs they already had but we submitted them again ). They said based on the new figures I would qualify once they received the documents. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the new figures they had with the bonuses I would qualify again. They also said I needed to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We also send XXXX on XXXX XXXX which we still have n't heard anything regarding that XXXX. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information on the Good Faith Estimate document they had with all the false information and salary on. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. The original loan was also considered a Predatory loan. It was a pick-a-payment loan which the government sued them and they were given money to help Homeowners. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how the bank has justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be. They have never submitted the Good faith Estimate they used in mediation and all other documents used in there review. They just keep send superficial letters saying I was n't approved but no detailed documentation proving why I did n't get approved. I want prove and all documentation used to find out why they did n't approve me and what it was based on. This should have been taken care of a long time ago. I also want a copy of the appraisal they used in mediation.