Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
First I 'm in my second chapter XXXX. The first chapter XXXX I submitted 2 loan modifications. The judge asked Wells Fargo attorney which one were they going with he replied I 'm not the person whom makes those types of decisions. The judge told him to get someone who was capable to let him know. 3 years went by and no posting of my payments but added late fees were accumulating. So I ended the first chapter XXXX and started a new one. Wells Fargo even though notified never filed a claim so my attorney did one for them off the statement that showed the arrears. After a year of making payments they did n't cash my XX/XX/XXXX payment my attorney told me to call the bank or send another payment. I called the bank and the representative told me my home was being foreclosed on, I told her my home was in chapter XXXX. I called my attorney and told her she said she would find out what was going on ( at my expense of course ). They returned XXXX XX/XX/XXXXand XXXX, I sent in XXXX but they never cashed it. My attorney was told by the " agent '' working my account for me to stop making payments. I sent in XXXX and they cashed it, I sent in XXXX but they did not cash it. My attorney told me that they finely filed a claim but it was for $ XXXX more than the arrears. My attorney told me they added the returned payments and that my trustee payment went up {$440.00} a month. ( like things are n't tight enough paying {$4800.00} a month now it is {$5600.00}! ) so I 've been making payments for over 2 years and now Wells Fargo filed a relief of stay so they can foreclose for me missing payments. So they told the judge I missed all payments from XX/XX/XXXX to XX/XX/XXXX which of course I paid but they went and moved the payments back to the ones they returned and have made it look like I did n't make my payments. Of course I know it is their messed up math but I have to prove myself what really happened. 

SO ... I ask Wells Fargo for a loan Audit for the LIFE of the loan from XX/XX/XXXX to XX/XX/XXXX and nothing! I ask my attorney to ask she is told by Wells Fargo attorney he would do it as a " courtesy '' after we sign the relief of stay. That 's not going to happen. Wells Fargo should HAVE to supply me with a accounting of where my payments have been applied. 
Every XXXX I ask for a pay off notice I have received 2 during the ten years of this loan. Their accounting shows no end balance the only statements of their accounting shows $ XXXX of the over $ 60k of payments to the trustee posting. Why ca n't I ask why those payments were not posted? I borrowed $ XXXX and after paying over $ 200k+ I still owe more than I borrowed. I am told no I can not have a full accounting of my loan until I give up my home? My home is worth over {$1.00} XXXX I am not under water, I make over $ 80k a year and I pay almost ALL of it to the bank. I have to send copies after copies trying to explain my side but I ca n't get a full accounting of my loan and a pay off statement. I was told by a Wells Fargo associate he would see what he could do but because I 'm in litigation he may not be able to do much. It should not matter if I 'm in litigation they should be held accountable to provide this information to me. 

Resolution ; Wells Fargo to provide a full accounting of my loan # XXXX & # XXXX They changed the loan number when they filed the second claim ( great way to add fees if I ca n't see them ) Also to provide a pay off notice good thru the XX/XX/XXXX.

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