Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX XXXX, is on the list of Wells Fargo 's validated contractors. We were referred to him by a Wells Fargo representative because we qualified for a XXXX XXXX XXXX XXXX loan to renovate our first home. Our closing date was XXXX XXXX, XXXX. 
1. Per our written contract dated XXXX XXXX, XXXX, and signed contract XXXX XXXX, XXXX, XXXX XXXX failed to communicate with us as the owners regarding the subcontractors he selected and he reduced the Construction Cost Outline on ( page XXXX of XXXX ) from the HUD consultants Specification of Repairs Contract Documents dated XXXX XXXX, XXXX, attached. 
2. This decision was made solely by XXXX XXXX prior to our XXXX XXXX, XXXX, closing date. After our closing date he brought his electrician and plumber to our home on XXXX XXXX, XXXX, and their verbal quotes exceeded what we had signed in our contract dated XXXX XXXX, XXXX. 
3. XXXX XXXX evaded communicating this aspect of increasing renovation costs to us. As the Contractor, he was to ensure that this reduction of cost would not affect us detrimentally. However, his drastic reduction of costs forced us to suffer undue financial hardships that we were neither prepared for nor informed of by him in advance. 
4. XXXX XXXX 's reduction of Specification of Repairs Contract document is {$20000.00}, not including his non-compliance of cost for XXXX water connection {$2000.00}, Well abandonment {$2200.00} and town and state permits. XXXX XXXX refused to submit a sketch of the remodeling of our kitchen and bathroom to the HUD consultant per our new kitchen and remodel bathroom in Specification of Repairs. 
5. XXXX XXXX failed to uphold and adhere to finishing the interior of our home and make it habitable in the two months agreed upon in contract. Based on this signed contract we gave our landlord a move out date of XXXX XXXX, XXXX. To date we are homeless because of his negligence. This is exacerbated by the fact that we have XXXX daughters all currently in school. 
6. XXXX XXXX willfully neglected and failed to replace XXXX Floor Jacks with permanent XXXX '' Concrete filled, Steel Lally Column. He removed XXXX floor jacks and placed a temporary set up that was not according to contract nor state code. Neither did he complete the third XXXX XXXX which left our home unsafe and fundamentally unstable. 
7. XXXX XXXX harassed my husband and I to sign his illegal personal contract repeatedly ( attached ). We never signed it. We insisted we signed XXXX contract with Wells Fargo with you as the Contractor which is sufficient. 
8. He was in breach of contract with Wells Fargo and violated CT regulation by asking us verbally and through text to give him a personal check to purchase items ( attached ). 
9. He supplied no workmanship warranties or guarantees. The XXXX studs he installed split were not compliant with XXXX XXXX XXXX and we had to personally pay another carpenter to undo his work and reinstall the studs according to code ( pictures can be furnished upon request ). 
10. His inability to communicate in a professional and timely fashion was intentional and caused our family to suffer unjustifiable and avoidable consequences ( see attached letter ).

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 explanation