Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In receipt of the latest correspondence from WFHM, I have asked that WFHM please not send generated information that I already have been sent previously more than 50 times. This information is useless to the requests made by myself which detailed my exact requests. First and foremost, it is not my job nor my obligation to do the work for WFHM, as I do not work for WFHM. it is the responsibility of WFHM to provide a correct and detailed payment history of payments made. I took the extra step of responding with the correct deposits generated from Wells Fargo Bank Branches, which details the correct payment histories. The fact that WFHM and Wells Fargo Bank Branches do not share the same banking information is alarming to me. To think that WFHM can not just pick up a phone, email, etc and gather said information defeats the purposes of the request. In the correspondence it was mentioned that I allowed my savings account to close and I did so for the following reasons ; the WFHM and Wells Fargo Bank institutions do not represent the banking standards for which one can trust and for that reason, I have allowed it to close. My choice, not Wells Fargo Bank. Additionally the Re-affirmation as I keep stating and WFHM know this to be accurate, the law office of XXXX XXXX does not hold the mortgage to the home, WFHM does. As such it is the responsibility after the bankruptcy of WFHM to reaffirm the loan, not XXXX XXXX Law Firm. So to attempt to shift blame onto a law firm that does not hold mortgages, is absurd. Please understand that simple steps can be taken by WFHM, to actually admit that the paperwork for the reaffirmation was never sent to the Law offices of XXXX XXXX and the courts, is something that WFHM needs to take accountability for. Additionally not reporting my mortgage to the credit bureaus directly affects my credit score and damages my reputation and also affects any job prospects moving forward. So it is with conviction and certainty that I again request that WFHM do their job and 1 ) Provide the correct payment history and not send XXXX pages of information I already have. 2 ) Reaffirm my loan to the courts and stop blaming others for their shoddy business practices. 3 ) When a payment is received do not wait weeks on end to apply the payments, to gather interest in the money received. 4 ) Cease attempting to request that I do you 're job for you, as I have already ( On several occasions ) provided receipts for the correct payment histories. 5 ) Report my mortgage to the credit bureaus. Please do not attempt to downplay the issue at hand and if you truly are attempting to repair your current XXXX-Rating. My suggestion to WFHM is to stop blaming others for your bad business practices, attempting to assume that most home owners do not keep receipts, which by the way I did not have to provide. I took the extra step of doing the job of WFHM by sending those documents. By the way even with the documents sent WFHM still omitted some of the payments and with the time stamps and tellers names on the receipts, WFHM is still taking the position that these payments were not applied appropriately. Again I say that when a payment is received and time stamped, WFHM should not hold funds and apply them weeks later to garner interest on the payments/loans. Grace periods also are made by WFHM and should be honored and even with the fact that my payments were made on time, WFHM does not reports my mortgage to the credit bureaus, so in essence. Even though my payments are made and made on time why care that my payments are made on time, when WFHM does not report my mortgage to the credit bureaus?.

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