Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To Date Wells Fargo XXXX XXXX Department continues to not review my complaints with XXXX that occurred during my 1st application in XX/XX/XXXX XXXX XXXX before it was closed out XX/XX/XXXX by XXXX XXXX, XXXX home XXXX while XXXX XXXX XXXX refusing to communicate with my branch manager but requesting more and more documents on a closed application. This all was occurring during my XXXX hardship. Wells Fargo is allowing my to re-apply for modifications based upon my current status after being employed for XXXX, on my XXXX contract, and recovering from my $ XXXX lost of income during XXXX. 
My XXXX appeal included the following details of how I was not serviced with XXXX during my 1st application : XXXX XXXX XXXX : I was advised to await new employment during weekly talks with Wells Fargo Bank as XXXX XXXX customer dealing with hardship with property mortgage / home insurance/ utilities/and property taxes not delinquent, just couldn't pay the equity loan after XXXX XXXX XXXX XXXX rate increases. 
XX/XX/XXXX : Start of employment without 2 current paystubs available and increased conservator duties. All was communicated to Wells Fargo daily and weekly. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX faxed from Wells Fargo Bank XXXX with one available paystub, XXXX tax returns, hardship letter that included the newest hardship of hit and run on my car at work, and contract. All were not asked but provided based upon delayed letters before employment. All issues were communicated to Wells Fargo daily and weekly. 
XX/XX/XXXX : Informed Wells Fargo that my current home insurance policy would be renewing XX/XX/XXXX and I only had the current policy, I was told to await the new policy. The new policy wasn't going to be mailed until XX/XX/XXXX. I faxed the current home insurance policy, XXXX pay stubs on XX/XX/XXXX from Wells Fargo Bank after that was being requested in my XX/XX/XXXX letter. My 2nd hardship was resolved the week after XXXX and I finally had my car returned.All of this was communicated to Wells Fargo Bank daily and weekly. 
XX/XX/XXXX and XX/XX/XXXX : XXXX pages of XXXX tax returns were faxed from Wells Fargo Bank and XXXX XXXX XXXX Policy but only XXXX of XXXX were printed in my files. This was only discovered XX/XX/XXXX after my consumer affairs compliant. Wells Fargo Bank denied my inquiries ( a 30 year customer ) through my branch XXXX inquiries of emails, escalation of complaints, and their XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX. Again, Wells Fargo was informed about my concerns of the delay of my application since XX/XX/XXXX while still not delinquent on property taxes / home mortgage/ home insurance/ and utilities. 
XX/XX/XXXX : A new application was started XX/XX/XXXX after my inquiries through my branch XXXX concerning my XXXX application process. Demands were placed upon me that didn't fit my lifestyle by Wells Fargo Bank XXXX XXXX XXXX. They were still requesting landlord tax documents and I was not a landlord and never stated such a title on my application or in my XXXX tax returns. Wells Fargo Bank was informed of my XXXX hardship that continued over 100 days with my dealership and insurance company. This let me renting cars weekly along with Wells Fargo Bank not ending my XXXX application by XX/XX/XXXX and never addressing my consumer questions concerning my XXXX application since XX/XX/XXXX. With the consistency of avoiding my questions and XXXX not reviewing my complaints with the Wells Fargo Bank XXXX XXXX and countless home preservation specialists, my provided documents were deemed outdated. All information was communicated to Wells Fargo Bank XXXX and weekly.To date, XX/XX/XXXX faxes with confirmation didn't print all of my provided documents to my file. 
XXXX XXXX : XXXX application was submitted with the same information from the XX/XX/XXXX, XXXX application with check stubs and it was denied because of current contract that started XX/XX/XXXX not the {$30000.00} lost of income or my XXXX hardship XX/XX/XXXX. 
As of XX/XX/XXXX, Wells Fargo does not accept emails from me after my several complaints to The XXXX XXXX XXXX XXXX where XXXX is understaffed and employed to avoid a resolution. Please be advised, I was present in my XXXX Wells Fargo Bank with the Branch XXXX awaiting communication on the phone with XXXX XXXX XXXX promising a detailed review of my XXXX Application process of Home Preservation ; XX/XX/XXXX. There was no returned detailed review provided, XXXX claims that was not required in her XX/XX/XXXX. A review that she mingled when she asked the wrong Wells Fargo Bank branch XXXX and my complaint of a Wells Fargo fax of XXXX pages never received to the XXXX XXXX XXXX in XX/XX/XXXX. I only found this information out after being avoided for 9 months and my home placed in auction through a XX/XX/XXXX Consumer Affairs review. Exactly XXXX year since my ( XXXX Wells Fargo XXXX XXXX initial home preservation application faxed from my Wells Fargo Bank XXXX XXXX XX/XX/XXXX during XXXX hardships and {$30000.00} lost of income with a non-delinquent home mortgage, property taxes, utilities, and XXXX fees ; to date. My home was given an auction date after my updated appeal to Wells Fargo Bank and they continue to assign my account to an underwriter with limited experience with government employees. This lady has attempted to correct my employer federal payroll department, CPA, and never asked for my bank statements to collaborate my hardships. Also, Wells Fargo Bank has received all of my tax refunds, direct deposit, and my monthly spending for 30 years. Place my home in auction because the underwriter couldn't find an extra $ XXXX XX/XX/XXXX- XX/XX/XXXX during my hardship. Also, The XXXX XXXX XXXX XXXX are blocking my email completed since XX/XX/XXXX. Several companies are reaching out to me with HELOCs and other financial services to save my home. 

XXXX XXXX XXXX quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX  XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX  Subject : Wells Fargo XXXX XXXX

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