Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
URGENT!! YOUR BILLING IS STILL WRONG!! 

Despite my prior complaints and correspondence, you ( Wells Fargo, N.A. ) continue to carry forward a principal balance that is at least {$20000.00} more than the actual amount owed. You continue to demand this as part of a balloon payment. This means you continue to calculate principal and interest amounts that are incorrectly calculated. Documentation was presented through CFPB and USPS Certified Mail. It is again attached hereto. 

You are not answering my questions about 1 ) how to comply and 2 ) specifics about the documents you are requesting. 

That is, you have not responded to my questions and concerns, only sent form letters, and a notification that you have now stopped the modification process, for which you once said I had qualified. You state I didnt meet your stated XX/XX/2020 deadline. However, my questions about the requested documents were sent well before that deadline, both through Certified Mail, as well as the CFPB. 

I wish to work with you on the modification as evidenced by my actions, application and submissions of detailed documents requested over the past year. Please consider this official continued notification of this position. 

I need more information to continue my compliance. I must know how and what you are requesting with more specificity. This information has not been provided. Faxing has proven an unreliable method of transmission, so I am forced to continue to file complaints due to your lack of specificity and demands for payment in what has been evidenced as an incorrect amount. I have reattached this evidence to this complaint. Also, in hopes that it will satiate your demands, my late husbands will and an affidavit related to the probate filing is also attached hereto, but your vague request for probate documents or ( where to send documents by mail ) remain undefined. 

My legal advisor states all of this continues in violationof the FDCPA. Please correct your billing and please stop making false claims that I have not complied with your set requirements. For you to ignore my questions while continuing to bill me is not fair. 

I am and have always been willing to make payments to you when provided channels to do so, as further evidenced by my last letter and CFPB complaint to you. Unfortunately, you continue to ignore and/or dismiss my questions about this ongoing issue, while moving forward with your demands for payment in full of what you claim is the amount due. I am still trying to comply as I still wish to keep my home and avoid foreclosure. 

Again, please tell me how and where to send the documents to continue the modification process ( detailed in my last letter ). We need this information to continue since the avenues you have supposedly provided along the way ( though dont mention in the last letter ) have proven unreliable. 

Attached is a more detailed account in PDF and  response to your last letter threatening foreclosure in the face of previously submitted evidence and other correspondence to which I refer.

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