Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The following are my responses to the latest lies from WF : - Email communication you received XXXX XXXX exact words were If the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. So rather than admit XXXX gave me incorrect information, WF has decided to keep repeating the same information over and over again. The focus should have been on why XXXX did not correct what he said in his email and why the payoff was late in the first place. Once XXXX realized what he said was incorrect, he should have manned up and corrected himself. Since WF is so comfortable with covering up and being dishonest, no one was capable of doing the simple thing of addressing XXXX words. 

- Service transfer request More WF lies when you say you are committed to regaining the trust you lost. WF has been involved in so many scandals that there is no way you can regain my trust. Even without the publicly reported scandals, I have personally experienced situations where a WF employee has told me something and it turned out not to be true. In addition to XXXX, I was told I could not use VA documents to that provided my identity only to be later told by a manger that the documents should have been accepted. I know you want to waste your time to dig into this since its a new shiny object but you have at least one manager who was able to fix a problem. Unfortunately, you still hire many unqualified individuals and do not properly train them. Because WF was so horrible in early stages of the refinance process, XXXX XXXX sent me a check for {$200.00} to compensate for the poor level of service I received. How much would XXXX offer me if I waited and spoke to him today? Are you going to compensate me for all the trouble that happen since XX/XX/2020? 

I have already contacted the VA regarding the poor experience I am having with WF. The VA representative I spoke to was fully aware of what a disaster WF is and advised me on some options I have. I will explore those options at the appropriate time since I can not continue to do business with a company as corrupt as WF. 

- Prior response sent by our office Why would I provide new information for an issue you did not directly respond to? At no point has WF provided documentation as evidence to prove anything you have said is true. You keep putting the burden of proof on me while you tap dance around the questions I ask. I submitted Kellys email multiple times and you did not even use his name in any response. Protecting the guilty is a way of life at WF so I am not all that surprised with your weak response. 

- Interest rate change Once again WF, you missed the point on purpose. You go on a long soliloquy on how interest rates work but totally disregard the reason why I raised the issue. WF was SUED : XXXX, N.C./WASHINGTON ( Reuters ) - Wells Fargo & Co agreed to pay {$170.00} XXXX to resolve allegations it charged African-Americans and Hispanics higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday. 

This lawsuit is what prompted me to ask if WF was still in the business of discrimination and if I could have been a potential victim of it. Once again, you ask me to provide additional information when you hold ALL the information. You have my old loan information and my my current information. You know or can find out what the interest rates were on XXXX XXXX and XXXX XXXX but you ask me to provide additional information. You are refusing to address this issue because you are afraid of being sued again. When you respond to any issue, you never provide any evidence that supports your lies. That is why a previous response stated that you found no indication of unlawful discrimination but you provided no evidence to support that. Does this mean you found a way to commit lawful discrimination? 

Breaking News : Wells Fargo Bank has agreed to pay {$7.00} XXXX in back wages and interest to resolve allegations of hiring discrimination. 

The U.S. Department of Labors said it has entered into an agreement with the financial institution over charges that Wells Fargo discriminated against XXXX XXXX American applicants for banking, customer sales and service, and administrative support positions at U.S. locations nationwide and against XXXX female applicants for administrative support positions. ( XXXX XXXX XXXX ) WF can't get out of its own way! 

- Funding date When you are used to lying, you have no shame in making stuff up. Is your statement below accurate? What funds was I supposed to receive on XX/XX/2020? 

You expressed concern that you were told your refinance would close on XX/XX/2020, and you did not receive funds until XX/XX/2020. The funds were scheduled to be disburse on XX/XX/2020 ; however, there was a delay with title disbursement and the funds were disburse the following day on XX/XX/2020. 

- Wells Fargo in the media Why would I want to call WF about the scandals that are reported in the media? Do you know how many times I have mentioned WF scandals over the phone and the WF rep sits in silence? Pull the tapes if you are not sure. I also do not see the value in going to your weak PR website attempt to save your name. It doesnt change anything. How many scandals has been involved in since I unfortunately started the refinance process with you? 

- Request for reimbursement or restitution As noted before, I have already had conversations with the VA. 

- Request for documents sent by Senator XXXX XXXX XXXX Did I request documents to be sent to Senator XXXX XXXX? Please go back and read XXXX XXXX email that you attached in your response. 

- Your credit adjustment request I am totally convince WF finds the most incompetent people to respond to issues. Since WF has proven itself incapable answering a simple question, I contacted the company that alerts me to fraudulent activity and they explain what happened with WF. They did not even hesitate or provide me with XXXX  rabbit holes to go down as you did in your response. I have dealt with several pathetic companies in my life but WF is by far the worst. Hopefully the new administration will take some action against you and put you out of your misery.

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