Wells Fargo & Company Mortgage Complaint

Wells Fargo & Company Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting California

I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ - ) to raise my credit score from - to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ -. Current loan is $ -. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by - points standing at around -. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. Thank you!