Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a XXXX XXXX XXXX under XXXX of XXXX XXXX deceased on XXXX. I have been making payments, interest only since he passed away. The property was Quit Claim Deed to my name on XXXX prior to him passing away. I have paid insurance and property taxes since XXXX. Wells Fargo Bank is aware of XXXX XXXX deceased, that I am the person making payments on the property. The Balloon mature on XXXX, I have requested a payment arrangement with Wells Fargo Bank. Wells Fargo Bank offered a loan Modification by adding my name to the existing loan. I have provided all the documents required by Wells Fargo Bank, Water Bill, address to the property, Letter from XXXX XXXX and XXXX XXXX, Letter from XXXX XXXX XXXX XXXX XXXX Department that explains in the year XXXX the property was zoned residential and in the year XXXX the zoning was changed to commercial ( XXXX XXXX XXXX ) by the City of XXXX XXXX, therefore the property can not have Homestead Exemption, my XXXX XXXX insurance reflects my car location at the property and the policy is addressed to the property as well, the insurance of the property is also addressed to the property, it is a Commercial Insurance because it is a Commercial Zoning, despite the fact that I reside in the property, I have provided the electric bill that is under my friend, addressed to the property. Wells Fargo Bank gets the declaration page of the insurance every year and is aware of the insurance being commercial. Wells Fargo Bank has been aware of everything, now that the Balloon mature, they are calling it off. The Appraisal of the property ordered by Wells Fargo Bank says " owner occupied '' " the final report meets Wells Fargo requirements and is acceptable as is '' " market value {$300000.00} USD ''. Wells Fargo Bank is refusing to approve the modification basing the denial on prove of occupancy, not giving me an explanation as to why? neither giving me a remedy other than a Short Sale. On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX Wells Fargo Bank, to advised the denial for a Modification and not being able to tell me why the denial, neither what to do about it. Today XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX Wells Fargo Bank to advised the answer to my complaint with CFPB, she was not able to explain why the denial based on prove of occupancy, can not give me the reason why, neither she can not explain why the appraisal of the property reads " owner occupied '' " the final report meets Wells Fargo Bank requirements and is acceptable as is '' " market value {$300000.00} USD '', that I was to contact the appraisal company. The appraisal company was contracted by Wells Fargo Bank, not by me. I also read in Wells Fargo Bank answer to my complaint, trying to contact me and not being able, which is a false and misleading statement, they talk to me without any problems on XXXX the XXXX, XXXX, and also today XX/XX/XXXX. It is obvious that Wells Fargo Bank is giving me the run around. I am not doing a Short Sale, I don't want my property to go on Foreclosure, I want a payment arrangement. Wells Fargo Bank does practices discrimination against XXXX and the 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