Consumer complaint received 2017-03-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Date : XXXX XXXX, XXXX To : Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : # XXXX I am writing to request correction of the repeated request for documentation of amortization paperwork/ detailed payment history/ month & dates/ how funds are applied & dates/ re-affirmation paperwork sent to XXXX courts, below in regard to the mortgage on my property at XXXX XXXX, XXXX XXXX. 

Please note this a request for a complete list of all possible errors, such as errors regarding failure to provide accurate information about loss mitigation options, foreclosure, or transfers of the servicing of your loans ; foreclosure activity against me that may violate the rules ; or any other error relating to the servicing of my loan. 

Payment Errors : Wells Fargo failed to record full payments made for several months that I have repeated provided documentation for in the amount XXXX per month. 

Your company did not properly credit the payment that I made for several months in the amount of {$760.00}. These payments should have been credited directly towards my mortgage /principal accounts. 

Your company failed to credit the payment I made and provided proof / Bank statements / multiple copies, for a period of 6 months as of the date of receipt. 

Escrow Errors : I have also been notified by XXXX, All credit bureaus and XXXX e.g., taxing authority, homeowner 's insurance company XXXX. That your company failed to pay the following expenses from my escrow account : Insurance Premiums As a result have been increased due to the inability to obtain the requested documents. 

I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. Due to WFHM 's inability to provide written documentation I 've repeatedly requested. 

Fee Errors : Your company incorrectly imposed 6 months ' worth of fees. Due to my inability to re-finance both my home and auto. This is a direct result of Wells Fargo Home Mortgages ' failure to report my mortgage to the credit bureaus, due to WFHM not filing the re-affirmation with the XXXX Courts. 

Payoff Errors : Your company WFHM failed to provide an accurate mortgage payoff balance that I Requested from XXXX to XXXX. 

If you need to contact me, I can be reached at XXXX, XXXX, XXXX XXXX or XXXX. 

Sincerely, XXXX. 

WFHM in the multiple complaints to CFPB fail to supply any documentation requested. I find it disingenuous that WFHM provide absolutely no documentation requested to back up my bank statements, detailing payments. Again I will detail the information WFHM needs to provide to the XXXXDOJ and CFPB. Additionally regarding the XXXX denial, it is directly due to the fact that WFHM does not report my mortgage to the credit bureaus, thus dramatically lowering my credit score. The details of my requests are as follows. ( See below ). 
Until this issue is completely settled, I will continue to state my demands which none have been met by any documentation from WFHM, just a time line of responses sent to CFPB, XXXXDOJ, XXXXSAG. Once again, I will state my intent and cause of actions moving forward. 
1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX/XXXX Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally

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