Wells Fargo Credit Decision / Underwriting Complaints

Review and analysis of over 640 complaints against Wells Fargo

Wells Fargo consumers have reported over 640 official complaints related to Credit decision / Underwriting. Out of the 640 consumer complaints against Wells Fargo, 29% were disputed by the consumer (i.e. the consumer was not happy with how Wells Fargo responded to their complaint) and 99% were processed in a timely manner. 6% of consumer complaints against Wells Fargo resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 3% resulted in non-monetary compensation.

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New Credit Decision / Underwriting Consumer Complaints


Wells Fargo Mortgage credit decision / underwriting

January 12, 2016 - I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in -/-/-. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed -/-/- and discharged -/-/-. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to t...

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Wells Fargo Mortgage credit decision / underwriting

December 30, 2015 - Once I made an offer on a house and started the home buying process on or about - - 2015, with a projected closing date of - - 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the - - date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the - of -. I was n't notified and found out later from my realtor, who got the typo fixed in j...

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Wells Fargo Mortgage credit decision / underwriting

December 13, 2015 - I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about - Mortgage -. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. My mortgage account was under - -. ...

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Wells Fargo Mortgage credit decision / underwriting

December 9, 2015 - On - -, -, Wells Fargo auctioned and bought my primary residence at a foreclosure auction in a rush to cut off my right to reinstate the loan by paying off the delinquent amount estimated at $63000.00 and bringing the loan to current. I had asked for, and submitted proof of fund for reinstatement of my loan prior to Wells Fargo auctioning and buying my house. On - -, -, I submitted an application for a loan modification. On - -, -, an employee of Wells Fargo called and left a message on my cell phone advising me that Wells Fargo would not consider my loan modific...

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Wells Fargo Mortgage credit decision / underwriting

December 2, 2015 - My mortgage is owned by -, is serviced by Wells Fargo, and is HAMP eligible. I contacted a non-profit loan modification company in MN -/-/- when I got notification from WF that my payment would be adjusting upwards by over $700.00 per month -/-/-. I was told by them that WF would n't talk to me about a loan modification until I was 90 days past due, and I should stop making my payments, so I would be 90 days late at the time the payment adjusted upwards. That 's what I did. I contacted WF -/-/- to apply for a HAMP modification. I was denied based on " insufficient income. '...

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Wells Fargo Mortgage credit decision / underwriting

November 25, 2015 - [ Case number : - ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since -, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. - - ( recently legally changed my name from - - ) ...

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Wells Fargo Mortgage credit decision / underwriting

November 16, 2015 - On - -, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( -, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a - - was assigned as our loan officer.. On - -, we received an email from - - informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. As of - -, 2015 we have received no such letter or explanation. In addition to being a violation of the Fair Credit Reporting Act, the lack of any explan...

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Wells Fargo Mortgage credit decision / underwriting

November 15, 2015 - Dear Sir 's or Madam : ( -/-/- ) Several Months ago I received a letter from, Wells Fargo Home Mortgage, that I qualify for a rate reduction on my 6 % $50000.00 Outstanding Mortgage of $50000.00, which I obtained from Wachovia Bank several years ago on my Co-Op Apartment, ( - Bedroom/- Bath's/etc ) ... I went to my local Branch Office of Wells-Fargo, and filled out papers asking for an Option to reduce my interest payments from 6 % to under 2.6 % on my outstanding mortgage andduring my several visits to different Wells-Fargo branches throughout -, N.Y., I asked for informati...

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Wells Fargo Mortgage credit decision / underwriting

November 14, 2015 - I applied for an FHA mortgage with Wells Fargo , NA and on - -, -, I received a ( pre-approved ) Priority Buyer Letter for the property incident to my loan. I am an - recipient for the - of my own and have been receiving such benefits for over five ( 5 ) years. During the income verification process, I provided Wells Fargo employee, - - copies of : 1 ) My original Notice of Award letter dated - -, -, 2 ) An - notice of the continuation of benefits and amount payable, effective - -, - for the current year and, 3 ) Copies of my previous two ( 2 ) years (...

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Wells Fargo Mortgage credit decision / underwriting

November 9, 2015 - Wells Fargo has either reported, or caused the report of, a code D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through - and can not proceed with the loan ( current closing date of - - ) until this code is suppressed and converts to an A '' ( Approved ). ...

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Wells Fargo Mortgage credit decision / underwriting

November 6, 2015 - Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid - ...

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Wells Fargo Mortgage credit decision / underwriting

October 24, 2015 - For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband - - - - held the Mortgage note : property address - -, - - -. - with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on -/-/-. ( divorce index - ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of - District of - in -/-/- and was granted the approval allowing me to assume the mortgage note however, my name still does n...

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Wells Fargo Mortgage credit decision / underwriting

October 20, 2015 - My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to - - from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out - + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked...

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Wells Fargo Mortgage credit decision / underwriting

October 17, 2015 - In accordance with the protections and rights of, and the enforceability of said rights and protections pursuant to the following:1. ) Fair and Accurate Credit Transactions Act of -/-/-. ) Real Estate Settlement Procedures Act ( RESPA ) 3. ) Truth in Lending Act ( TILA ) 4. ) California Homeowner Bill of Rights5. ) National Mortgager SettlementOn -/-/-, I accepted a loan modification from Wells Fargo. The loan modification is an in house loan which was negotiated over a 5 month period of time. By law lenders must clearly '' disclose all terms and conditions at the time of the mortga...

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Wells Fargo Mortgage credit decision / underwriting

September 27, 2015 - I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller. ...

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Wells Fargo Mortgage credit decision / underwriting

September 24, 2015 - We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained - penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in -/-/-. At the time we were in negotiations to settle our second mortgage with Wells Fargo ( -/-/- to -/-/- ) our home was worth about 60 % of what we paid for it in -/-/-. We were current with our first mortgage, but ...

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Wells Fargo Mortgage credit decision / underwriting

September 24, 2015 - I started applying for a Mortgage loan at Wells Fargo in - 2015. Over the course of the next two months, I provided many documents as requested by my mortgage consultant and worked patiently with her through this process and - 's of emails back and forth. We were purchasing the home from a family member and was told there were different guidelines for buying from family. We provided many additional documents related to that as well. The appraisal ( which cost $560.00 - paid to Wells Fargo ) was performed per request of Wells Fargo and we then adjusted the sales price to reflect the low...

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Wells Fargo Mortgage credit decision / underwriting

September 21, 2015 - I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. Three years ago I closed - IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was $0.00. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mort...

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Wells Fargo Mortgage credit decision / underwriting

September 21, 2015 - This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss - payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was -, until - last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and -. After it was all said and done, they did not honor the first refi numbe...

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Wells Fargo Mortgage credit decision / underwriting

September 17, 2015 - Wells Fargo is refusing to drop PMI. In their response letter they stated, A new appraisal will not be taken into consideration '' and the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. To add, my loan is a FHA loan and refinancing is not an option at this time. ...

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Wells Fargo Mortgage credit decision / underwriting

September 2, 2015 - I obtained a - Mortgage as well as a - mortgage on my home -/-/- with Wells Fargo Bank. I lost my job of 27 years, at the age of -, -/-/-, and after 2 years, spending all of my life savings of $150000.00, still unable to find work, I was forced to file for bankruptcy protection in -/-/-. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of...

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Wells Fargo Mortgage credit decision / underwriting

August 24, 2015 - I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a $300000.00 difference on my actually balance. I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed ...

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Wells Fargo Mortgage credit decision / underwriting

August 22, 2015 - I had a - year HEOLOC. with Wells Fargo Bank ( WFB ) The draw period, I thought was to end -/-/-. WFB called -/-/- and deceptively asked me to accept a fixed rate of 6.35 %. Believing I had to refinance, I unknowingly agreed to this offered interest rate. Unbeknownst to me, my HELOC had a role over clause. Meaning, that the contract had a conversion clause stating that at the end of the Draw Period the Loan would roll over to a Repayment period. The fixed interest at the conversion date would be based upon the Prime Rate ( 3.25 % ) plus 1.85 % margin. Being Naive and trusting of W...

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Wells Fargo Mortgage credit decision / underwriting

August 20, 2015 - Wells Fargo Home Mortgage had offered me an incentive to complete a Deed in Lieu on my home that I could no longer afford. That process started in 2013. I abandoned the home on - -, 2013 as required by the documents from Wells Fargo. This was an extrememly long process and the home was just transferred out of my name recently. The home has been sold and new occupants are in the home. My incentive money is no where to be found! When I try to call Wells Fargo I get disconnected because my loan number with them is no longer valid, obviously. Customer Service transfers me everywhere except t...

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Wells Fargo Mortgage credit decision / underwriting

August 7, 2015 - Loan originated -/-/- - -This complaint follows-up a prior complaint # -. We tried to respond to Wells Fargo 's response to above complaint - but could not at this CFPB website, we could not find the way to do this at this CFPB website. - Our new complaint below - related to our prior complaint and answering Wells Fargo 's response ( number above ) follows here : Wachovia Bank, who the loan was originated with, failed to comply withtheir agreement and terms of this loan. - we accepted a purchase order from - of our customers and needed to access the $7000.00 available in o...

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Wells Fargo Mortgage credit decision / underwriting

August 6, 2015 - We of - -, are disputing all the cfpb case 's under the Name 's of - -, - -, that Wellsfargo BK .N.A. Mortgage payments on - -- - : Payments that were billed to - -, -, - from 2003 to date ... over charges on the martgage payments, over taxing on the mortgage, Wellsfargo refusing to corrisponfd are correct these things over the year 's! Today we are submitting a chat statement : About FHA loan : where it is clearly Wellsfargo 's Attorney have not repsect to federal loans or to its consumers on mortgage 's? Chat dated - - REf ; FHA Loan addres...

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Wells Fargo Mortgage credit decision / underwriting

July 21, 2015 - I was under a modification - of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure - days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification - -, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them man...

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Wells Fargo Mortgage credit decision / underwriting

July 21, 2015 - I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due $23000.00. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used $19000.00 of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like customer settled for less than balance, account paid and closed. I have been denied ref...

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Wells Fargo Mortgage credit decision / underwriting

July 14, 2015 - Recently I obtained a copy of my credit report and was surprised to see that my previous Home Equity Line of credit is being reported as a charge off. Per my knowledge it was never charged off if it was I was never told. This loan was refinanced as a result of it maturing. The new account is being reported on my credit by the same creditor Wells Fargo. This loan went from a Home Equity Line of Credit to a Home Equity Loan. Through no fault of my own the application process was delayed for months. The original application was made around the beginning of -/-/- end of -/-/- and it took...

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Wells Fargo Mortgage credit decision / underwriting

July 11, 2015 - This Complaint involves ... issues the Wellsfargo bank N.A. and World Wide fruads on reporting to the IRS of the - :, Wellsfargo Attorneys with holding legal fruads for the IRS, the US Gov't on - - and its witness 's of the court order 's. its attorneys, and the Court order that has not been answered, Or produced. Doccuments The Court signed Buy Wellsfargo Bank ( s ) Attorneys and - - - of - - - - never issued or produced.Or allowed legal access 's, Or Court Access 's. Note : these replies are to be sent to Also to be sent to : Wells Fargo Bank- - ; - - ...

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Wells Fargo Mortgage credit decision / underwriting

July 10, 2015 - Wells Fargo reached out to me about refinancing my mortgage in -/-/-. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in -/-/-. They gave me a guaranteed rate through the end of -/-/-. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt ...

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Wells Fargo Mortgage credit decision / underwriting

June 26, 2015 - I am selling my house in - - and entered escrow with - and - -. They were working with Wells Fargo to attain their Loan for purchasing my home. They were given and pre-approval letter and then later received a voicemail from their loan officer at wells fargo telling them explicitly that the loan had been approved and the appraisal had been ordered. The appraisal was then completed and both parties then signed a document with a closing date of - -. I then began the process of moving and rented a truck and trailer to take my first load out of state to my new home. While I wa...

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Wells Fargo Mortgage credit decision / underwriting

June 16, 2015 - I was given a rate to term out my home equity loan and I had - days to lock it in. I called back on the - day and was told I could not get that rate since I had made a draw online earlier that same day. The draw was from my Home Equity Line to my Wells Fargoi checking. I was told the last time I spoke to them that I could make draws up until - 2015 which was the end of my draw period. Never was I told the rate would change if I made a draw. After they told me they would not honor the rate they guranteed for - days, I told them I would go online and repay the draw back as it was sti...

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Wells Fargo Mortgage credit decision / underwriting

June 15, 2015 - My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ -, which it never should have appraised for. Wells Fargo bought the loan, put it in th...

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Wells Fargo Mortgage credit decision / underwriting

June 7, 2015 - Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the - payment I missed and put it on the back of my ...

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Wells Fargo Mortgage credit decision / underwriting

June 5, 2015 - On - I found the home of my dreams and placed a down payment of $1500.00. - I had an inspection done on the home shortly thereafter I submitted all of the documents that was required. In - there was a extension submitted and agreed then - another extension submitted and another in -. The bank has not completed the second part which is for the first time Home buyers grant.. My realtor nor the mortgage broker have been communicating with me to inform me what the hold is leaving me in the dark.. After calling numerous time still no clear answer on what the problem.. The mortgage ...

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Wells Fargo Mortgage credit decision / underwriting

June 4, 2015 - Last month around - -, 2015 I notice on - that I had - listings for my mortgage loan. - listing was named Wells Fargo Home Mor mortgage for $150000.00 the other was named WFHM mortgage for $150000.00. I called that day and talked to a representative and explained I only had - loan for a mortgage with Wells Fargo under loan number -. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit...

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Wells Fargo Mortgage credit decision / underwriting

June 3, 2015 - We were pre-approved for a VA mortgage by Wells Fargo on -/-/-. We were told by home mortgage consultant - - that we would be able to escrow repair funds so long as we provided 150 % of the estimated repair costs, as she stated this information was furnished by an underwriter supervisor ''. The VA does allow this according to a new policy issued -/-/- ( VA - -, VA Appraisal Requirements on Foreclosed Properties ), as the VA confirmed for us -. So, we sold our current house and spent - - on appraisals and such pursuing our new house believing this to be true. Onc...

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Wells Fargo Mortgage credit decision / underwriting

May 20, 2015 - Note : Wellsfargo Bank N.A., there Attorneys have cause much damages to my Property ' perpertys, and Used the lower Court 's to change A federal Home loan that was on another property, using the Lower courts to Change a Federal loan address for - AFTER REFUSING TO TALK TO ME, REFUSING PAYMENT, AS A MEANS TO FORCLOSE ON A fha LOAN TO PREVENT GETTING A HARP QUALIFIED LOAN FOR HANDI-CAPPED PERSONS, THEY HAVE INTERFERRED WITH THE HOME OWNERS INSURANCE COVERAGES FOR STORM DAMAGES TWICE. THE FORCLOSER IS ILLEGAL TO VACATE A NEW LOAN, USING THE COURT ORDER TO DESTORY TA- RECORDS, OVER CHARGES ON M...

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Wells Fargo Mortgage credit decision / underwriting

May 19, 2015 - I am a - veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from - to -. After finding a house I submitted a mortgage application to Wells Fargo Bank - the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was Unable to verify income '' upon retirement. Since it is now taking - 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that - provides prior to retiring. Since I could not produce a income statement, and will not be able to...

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Wells Fargo Mortgage credit decision / underwriting

May 13, 2015 - I have submitted - packets of information to Wells Fargo to help gain a loan modification back in - -.I have been working with - - - and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information - times and there has never been a resolution. ...

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Wells Fargo Mortgage credit decision / underwriting

May 7, 2015 - I..-..am DISPUTING THIS CF-GOV CASE # - ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they stat...

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Wells Fargo Mortgage credit decision / underwriting

May 1, 2015 - I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter -, Bankruptcy was filed in - and discharged in -. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in -. The last reporting date is -. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in -. ...

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Wells Fargo Mortgage credit decision / underwriting

April 27, 2015 - I 'm Disputing This STATUS : - - -File - - Received - - - - ( AND ) STATUS : - - -File - - Received - - - - - -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. Case number : - - -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS - - ; CF-GOV-CASE # -, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? adding mot information 's pertaining to the - - - - loan done in State of - - : Where the State of -, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration o...

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Wells Fargo Mortgage credit decision / underwriting

April 20, 2015 - I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for - ''. I then sent an email to a - complaining ( - ) eleven days ago, and it has been ignored. No response from any - or anyone. ...

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Wells Fargo Mortgage credit decision / underwriting

April 20, 2015 - I am consumer who may have been victimized by collusion among - industry regulated professionals from Wells Fargo Bank, - and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactio...

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Wells Fargo Mortgage credit decision / underwriting

April 17, 2015 - Experienced harassment and unnecessary delays in processing a mortgage from Wells Fargo that resulted in having to walk away from the mortgage. Initially told that I qualified in early meeting -. Provided two years tax statements, paycheck stubs, signed dated gift letters, employment check and credit check info at time of signing early - Had - requests to put gift letter on official form, initial information, provide bank addresses, provide POA letter ( on - different requests weeks apart ) and ALL gifter account numbers ( even though - gifter has already transferred the money )...

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Wells Fargo Mortgage credit decision / underwriting

April 3, 2015 - I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have - miss payment on my report. ...

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Wells Fargo Mortgage credit decision / underwriting

April 1, 2015 - Purchased my home for - in -/-/- and Wells Fargo has my mortgage loan. Interest rates were above 5.75 % and in - was able to refi at -. I was told it was under HARP? Now, that rates have dropped again ; I contacted Wells Fargo and an agent quoted me 3.87 % on -/-/- ; loan balance was -. After turning in numerous documents, tax reports etc., I was denied due to debt to income '' being above - %. The loan payment is $1600.00 and the balance as of today is $290000.00. PAYMENTS HAVE NEVER BEEN LATE. PROPERTY TA-ES HAVE ALWAYS BEEN PAID ON-TIME. PROPERTY VALUE ...

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Wells Fargo Mortgage credit decision / underwriting

March 31, 2015 - I filed a chapter - in 2012 its been discharged since - 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day - purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my m...

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