Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker South Carolina

I applied for a refinance thru my bank Wells Fargo on -/-/- with rate lock of -/-/-. I informed and provided my loan rep with a copy of separation agreement which showed child support I receive. He failed to inform me they would need 3 years proof of payment ( only been separated since -/-/- and that 's when payments began ) At that time I gave a check for appraisal fee. I was told by loan rep - that I would be notified prior to check being cashed which I never was. When I noticed check was cashed I called him several times to ask what was going on and finally received a call 1 week later stating he 'd been out of office and yes they would proceed with appraisal again was not informed of child support issue.. Issues I have with how I feel I was mislead : 1 ) check was cashed without any notification to me 2 ) loan rep changed without any notification to me 3 ) Most importantly I was not notified my child support was not being used as part of income until after appraisal came back less than needed. Had I


emails she stated she had a meeting to discuss my loan and would get back to me. I finally found out child support initially not used and loan had to be restructured which resulted in increase in origination fee. Since this all went pass the lock rate date this all caused for an extension of rate lock which in turn increased my loan origination fee. I feel I should have been told prior to appraisal their requirements for child support and fact that it was not being used as part of income. I reached out to Wells Fargo escalation team with my issues and emails I received and sent and they feel they did nothing wrong.