Consumer complaint received 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX ( Registered Nurse ) and property owner of XXXX XXXX XXXX XXXX, VA XXXX does not desire to withdraw her consent agreement with the U.S. Department of Health & Human Services HUD against Wells Fargo Bank , N.A . on the basis of XXXX XXXX  towards XXXX XXXX lenders in a housing case. She further states the following : XXXX. XXXX XXXX XXXX initiated a mortgage loan application with Wells Fargo Home Mortgage in approximately XX/XX/XXXX and her assets were many and included but is not limited to a checking account with greater than {$8000.00} after paying fees such as land surveys, perk testing, building permits, driveway/entrance, etc. that totaled greater than {$2000.00}, a line-of-credit with Virginia XXXX XXXX that had been unused for the amount of {$15000.00} and could be increased to {$50000.00}, a land loan from Virginia XXXX XXXX that she was pre-approved for in the amount of {$12000.00} that she subsequently closed or turned down after being offered a line-of-credit with Virginia XXXX XXXX, and a personal loan for {$5000.00} that at the time was under {$4000.00} and only was utilized to establish credit in addition to the many credit cards and car loan she had. Wells Fargo Home Mortgage approved XXXX XXXX XXXX solely for a mortgage loan of {$200000.00} in addition to all of the other established credit history XXXX XXXX XXXX possessed. 

XXXX. XXXX XXXX XXXX has evidence that her construction contract once finalized came in at approximately {$150000.00} with XXXX XXXX XXXX paying some expenses out-of-pocket and/or agreeing to credits for other things. The mortgage contract XXXX XXXX XXXX signed was for {$160000.00} and this surplus amount is in excess of {$10000.00} with XXXX XXXX XXXX only receiving a check for {$1200.00} at closing. 

XXXX. The mortgage deed of XXXX XXXX XXXX does not permit a trustee ( substitute or otherwise ) to convey the property and the evidence file by XXXX XXXX XXXX in XXXX cases in XXXX XXXX XXXX XXXX, VA clearly shows the XXXX XXXX paid the clerk 's office $ XXXX to change the deed. ( See attached documents ) XXXX. Reinstatement further states that a borrower XXXX prevent a sale by appearing with cash, certified check, etc. to recover property and when XXXX XXXX XXXX filed a case against the Substitute Trustees and their attorney ( s ) in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also appeared after the sale was cancelled with cash. In XX/XX/XXXX, XXXX XXXX XXXX was involuntarily detained for having too much cash in her possession and further for being on foreclosed property with no proper documentation presented. 

XXXX. There is no evidence that XXXX XXXX XXXX posed any financial hardship to Wells Fargo Bank. Wells Fargo discriminated against XXXX 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