Consumer complaint received 2018-12-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

To whom it may concern. 

I used to have an account with Wells Fargo. Back then I had a mortgage with Wells Fargo. Throughout my. Of time of being with Wells Fargo, I have filed multiple complaints with consumer financial protection bureau. I had contacted Wells Fargo number the times to assist me in my mortgage. However, over a. Of time nothing panned out to work for me with this mortgage company. Including done giving me a due date that my mortgage is due, telling me I had a Grace peroid 15 days later. That was another thing the grace. That was told was available to me, was all a lie as well. basically your mortgage payment was due on the day it was due with no grace peroid. 


Over time, I started to struggle more with this mortgage company. Because the grace. Was no such thing. This started to cause problems with my mortgage. If your payment wasn't received on the exact due date, they already consider you default it with your mortgage. Even though a grace period was offered. They never really honored their grace period. 

Wells Fargo, will start to say you are behind on your mortgage. That you already are in default. So if you try to pay them after the due date any ready considered you in default, they would not accept your payment. Even when you had your payment. And if you try to make a partial payment they still wouldn't take that either. 

Wells Fargo made my life a living XXXX. When I realized that I was going to still have problems with Wells Fargo, and there was no winning with them. I realize the best thing to do was to get rid of my house. I sold a house, thinking that was the best thing to do just to get rid of Wells Fargo. 

However, the nightmare still continues. Now that I relocated to another state completely, to start a new beginning with my family. I realize Wells Fargo still follows me into my present and future. When I try to apply for a loan or even get an apartment, I was told that Wells Fargo reported so many lates on my credit report and basically destroyed my credit report for me to get anything moving forward. I did try to reach out to Wells Fargo, as a goodwill adjustment, to remove any lates that I might have on my credit report or anything negative as well. Including XXXX removing any old accounts and to let them know this account is no longer active. So it will allow me to either get a loan or even an apartment. When I was speaking to the right, they said they would try to help me. Please also remember, in my credit report says my account is still active and they still report an old accounts.. 

after reviewing my credit report again, after the fact I went speak to Wells Fargo. Nothing was ever done on their end. Even though they said they would do it for me so I can get that loan on apartment that I needed.

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