Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX Complete short sale package was faxed to WF on XXXX/XXXX/XXXX. We spoke with XXXX XXXX several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. He clarified multiple times that he had received all of the following documents : Authorization Letter Hardship Letter Financial Statement Hardship Affidavit UBA Form 710 Letter Regarding No Pay Stubs 4506T Letter Regarding No Income Taxes XXXX XXXX Docs Purchase Agreement Short Sale Addendum Short Sale Information Advisory Buyers Proof of Funds Estimated HUD WF MAF Form Bank Statements with Social Security Deposit circled Letter regarding CA wildfires 103017 FE XXXX/XXXX/XXXX spoke with XXXX XXXX XXXX. Insisted that we had never sent anything to wells fargo and there was nothing in the file with which to review for a short sale. XXXX XXXX XXXX told me I was lying when I said I faxed in all the required docs for a short sale review. I requested to speak with his supervisor and was transferred to XXXX XXXX ( direct # XXXX XXXXXXXXXXXX ) I explained to XXXX XXXX ALL of the above- that we had spoken several times to XXXX XXXX and he had confirmed they received all the docs we have submitted throughout our conversations with him. I also explained that XXXX XXXX XXXX had accused me of lying about sending the documents to Wells Fargo. I questioned XXXX XXXX as to how it could be possible that even though we sent in all the documents to Wells Fargo and this was confirmed to us by XXXX XXXX own representative, that, all of the sudden, there were absolutely no documents on file I asked if they deleted these documents as I know they do this on a regular basis to cover up their fraudulent activities. XXXX XXXX was immediately aggressive and abusive and it became very obvious he XXXXXXXX XXXX. XXXX responded by also telling me I was lying and told me that all my conversations with XXXX XXXX are nothing more than hearsay. 

We have clear evidence that Wells Fargo had received all the docs we have submitted. I have been falsely accused of XXXX in regards to sending the documents to WF and also in regards to our conversations with other Wells Fargo reps. I know for a fact that Wells Fargo will respond to this CFPB complaint by also telling the CFPB that I am XXXX. They do this on EVERY SINGLE SHORT SALE WITH A MINORITY HOMEOWNER, and they do this on EVERY SINGLE CFPB COMPLAINT I FILE ON THEM. I have proof of this and would be happy to provide the CFPB with this evidence, as we have documented their fraud on short sales for the last 10 years. 

On XXXX/XXXX/XXXX we were countered and on XXXX/XXXX/XXXX we submitted the attached Value Dispute documents. 

XXXX/XXXX/XXXX -- -- - XXXX XXXX XXXX called. He stated that WF had reviewed the documents we submitted for the value dispute and WF has decided they will not lower their counter offer. I requested to receive a full copy of the appraisal used to arrive at this credit decision ( a short sale is a credit decision ). XXXX XXXX XXXX refused to provide the full appraisal and said only the borrower could receive a full copy. -- -There is no such restriction in the ECOE guidelines see highlighted sections throughout the attached copy of the ECOE Valuations Rule. 

Now, in addition to being XXXX XXXX XXXX, and their utter rudeness in their phone calls with me, WF has also illegally edited the appraisal, and has purposely removed evidence of substantial damage in the property. Wells Fargo is committing fraud by completely ignoring photos of obvious mold and damage that make this property uninhabitable. In one of the photos the entire ceiling is falling down!! 

It can be easily found in the news media that my experiences with Wells Fargo are not isolated. Rather, these attitudes are the norm for Wells Fargo and its representatives. The deep and pervasive magnitude of fraud committed by Wells Fargo can be seen every day. It can be easily found in the news media that Wells Fargo has multiple settlements with So CA jurisdiction over XXXX loan servicing especially in low income areas. Every day when I turn on the new all I hear is more and more about the fraud that is happening in their company. It goes without saying that each of these borrowers would also have been been called a liar and had a similar experience to myself in their conversations with Wells Fargo. 

Just like on everything else on this file we have been lied to yet again. We the American public and XXXX XXXX own clients, have paid billions of OUR tax dollars to bail out a lender that consistently calls Us the American public and XXXX XXXX own clients a LIAR. I am sick of being called a liar after confronting Wells Fargo on their lies. WHY are we continuing to bail them out? WHY is this FRAUD not being stopped? WHY is Wells Fargo allowed to continue conducting business in this manner, with NO oversight or accountability? WHY is XXXX XXXX obvious and purposed REDLINING and FRAUD AGAINST MINORITIES allowed to continue? If We the American public were to do what Wells Fargo is doing We would be IN PRISON, and justifiably so. WHY IS NOTHING BEING DONE TO STOP THE FRAUD AT WELLS FARGO???

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 non-monetary relief