Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear District Attorney and to whom it may concern, aside from my utter disappointment with Wells Fargo and their unwillingness to assume any responsibility for a highly destructive loan product, once called a XXXX XXXX, is unfathomable! It is inconceivable that this financial institution be allowed to continue to operate under the guise of integrity. Case in point is Wells Fargos dismissive accountability for the loans and decisions that theyve made and continue to make today. Ive asked Wells Fargo repeatedly to investigate a 2010 loan modification that was offered, of which I had no choice but to decline at the time, as the modification only placed past due payments onto the back of loan leaving all the same destructive amortization terms and conditions in place. Due my financial hardship at the time and the fact that acceptance of said modification stipulated that I waived any and all rights legal rights or actions. 
My compliant lies squarely with Wells Fargos as they keep insisting that placing past due payments on the back of the same toxic loan is somehow an acceptable modification that was going to miraculously keep me current on said loan for the foreseeable future.This tells me that Wells Fargo hasnt bothered to go back and review my 2010 finical hardship documentation and come clean with the fact that I was offered a self-destructive modification product that due to my then finical situation would have left me not only with a defaulted modification, but with no legal right to stay in my home. 
It is at this time that I seek out the assistance of the District Attorney of Florida and request a full investigation into the how Wells Fargo is conducting their reviews of complaints being submitted as I have done my homework and have all modification application documentation that proves that the 2010 modification was unjust and set up to fail and anything other than that finding is an attempt by wells Fargo to check a box and claim compliance.

Wells Fargos continued omission of responsibility as it regards to their sins of the past has cost me and my family a decade of pain and suffering, one that I will never forget or stop fighting as I seek out an amicable and final resolve. Ii is my intention to continue my pursuit of unjust and unfair conduct on the part of Wells Fargo until theres someone who takes my compliant seriously and is competent enough to explain in detail why my financial hardship application with all financial facts did not offer a modification that did more than just place past due payments to the back of the same destructive loan? If Wells Fargo is unable to justify and support the then modification then how is it that they are able to continuously claim that I was offered a sound and sustainable modification that I simply denied?

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