Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Response to letter " Important information about your renovation loan '' dated XXXX/XXXX/XXXX and received on XXXX/XXXX/XXXX. 
1. ) Statement made in Par. XXXX - " ... loan was closed on XXXX/XXXX/XXXX ... for an anticipated completion date of XXXX/XXXX/XXXX. '' a. Response : i. Yes, the anticipated completion date of XXXX/XXXX/XXXX is correct. However, anticipation is not conformation. Due the contractor ( NOTE : which was referred to me by XXXX XXXX - Wells Fargo renovation loan mortgage specialist ) not doing their due diligence ( example : permits not obtained in a timely manner ), on vacations ( example : leaving the project with lack of direction ), breaching the contract ( example : doing work that was n't in the " Scope of Work '' - painting wood trim white - this was expressed by me not be done when painting, etc. ), damage ( example : uneven arches, garage damage, etc. ). I also found out XXXX XXXX XXXX was working on other projects when told they were at my house working. This is unfair and deceptive practice. 

ii. Well Fargo 's failure to promptly and properly inspect work completed by the contractor, delaying my termination letter to XXXX XXXX XXXX ( example : representatives requiring me to do multiple revisions to a letter I compiled to terminate contractor ), prolonging the vetting process of another submitted contractor for validation. Nor did I receive what the contractor actually needed to complete an expedited vetting process. This is unfair and deceptive practice. Note : if this information is proprietary - so be it - however I am not responsible for how a company operates their business. 

For the record, information was never shared or provided to me on how to apply for a proper extension, change order or termination letter. XXXX XXXX XXXX caught an error ( no asphalt or concrete repair or removal ) and wanted to change the " SOW '' ; however, this was never done. Consequently a " Change Order '' needed to be done due contractor entering wrong data on original " Scope of Work ''. Resulting in continuous critiquing and " Change Order '' never being completed ; whereby making this process unfair and deceptive and possibly fraudulent. 
In regards to communication, Wells Fargo has been extremely unfair, difficult and deceptive. It was discussed early on during loan approval process and throughout this renovation process what my hours of work and availability are and remain to be ( my work hours XXXX - XXXX est ). I constantly tried to place calls, return calls ( sent to vm ), share concerns with processes about being misinformed in which resulted in a lot of deception. I would continuously be routed to voicemails and/or speak with different specialist that provided conflicting information and telling me who I was trying to speak with was n't available, in meetings, was told I could n't speak to managers and representatives became aggressive when asked, etc. I ca n't lose employment due to Wells Fargo lack of promptness, un-ethical and bully ways of doing business. 
iii. Consequently, due to the latter mentioned the anticipated completion date is null and void. More so, Wells Fargo should not arbitrarily do what they want to with my monies ( timely paid in full, every month ) that I was approved for to complete work on my home without consulting me as the consumer and homeowner. 

2. ) Statement made in Par. XXXX - " ... numerous efforts to contact you about completing the renovation work on your property. '' a. Response : i. Wells Fargo has contacted me during my work hours on numerous occasions knowingly this is being unfair, deceptive and disrespectful. Although, this has been responded to in the latter ; Wells Fargo bullying and forcing me 'straddle the fence ' with my employer because of Well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief