Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX XXXX, my wife is XXXX XXXX XXXX, we have a XXXX Mortgage Account XXXX with Wells Fargo, and apparently a XXXX Mortgage or Line of Credit. 
We filed Chapter XXXX in XXXX XXXX, part of the Chapter XXXX was Schedule D Direct Payments Under this Schedule was the following : Creditor Collateral Description Direct Payment Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} Wells Fargo Bank 2nd Mortgage Residential {$270.00} Wells Fargo Bank 1st Mortgage Residential {$150000.00} We paid these, XXXX got paid off, then we continued paying the other XXXX, apparently Wells Fargo did not read this section because to constantly tried to get payments over {$300.00} for the 2nd Mortgage, our 1st Mortgage we paid XXXX 
So we keep paying the 2nd mortgage from XXXX XXXX to XXXX XXXX, {$270.00} times 15 months is {$4100.00} we paid during that time frame {$4100.00} {$20.00} late ... XXXX XXXX the Charged off the account ... ..WHY???? We were paying and on track with our payments, I mean {$20.00} is not much but they wanted more than the {$270.00} that was set by the Federal Bankruptcy Court -- -- Do they just get to ignore these documents and do as they please??? 
2nd Mortgage/Line of Credit Account # XXXX or Account # XXXX depending on which Credit Report is being pulled, XXXX or XXXX. XXXX have the same balance, XXXX start with the same XXXX digits but after that it is confusing. 
XXXX shows Account # XXXX Balance {$14000.00} Past Due {$3300.00} Date Last Active XXXX XXXX shows Account # XXXX Balance {$14000.00} Past Due {$0.00} Date Last Active XXXX Interesting since I have documentation showing we paid on this account up until XXXX XXXX and then they charged it off without notification in XXXX XXXX, so somebody is telling a lie. XXXX accounts have wrong dates last active and different overdue amounts??? Also neither show any payment due inthe 2 year history of the inup until XXXX XXXX when all of a sudden due amount reflects {$140.00}. 


We got our first Mortgage with you back, not sure of that date, we were moving along nice and easy even though it was 9 % interest rate. 
We are not sure but we think we got a 2nd mortgage or Line of Credit 6 month 's later, XXXX XXXX. We have asked for the paper work and got nothing back showing this loan request. But say it is so, we got it, well what is it, line of credit or 2nd mortgage??? 
So we try to Refinance, 9 % is criminal and you know it, I am I XXXX Vet who qualifies for a VA loan which is around 3 % right now. Loan officer gets pulls the credit report and XXXX reports Account # XXXX is overdue {$3300.00} XXXX shows Account # XXXX overdue {$0.00}, also neither show any payment due up until XXXX XXXX when all of a sudden due amount reflects {$140.00} Since XXXX XXXX I have communicated via phone, fax or letters no less than 55 times with the following organizations in Wells Fargo -- - Wells Fargo Office -- XXXX XXXX XXXX, XXXX, AL Wells Fargo Customer Service XXXX Wells Fargo Customer Service XXXX Wells Fargo Home Equity Wells Fargo Home XXXX XXXX XXXX XXXX Wells Fargo XXXX, XXXX, XXXX XXXX XXXX and Recovery Group I have talked to or communicated with XXXX, her Suprervisor XXXX, his boss XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and a lady calling for XXXX XXXX. 
What I keep getting since XXXX XXXX is empty resolutions and promises, My earlier complaint XXXX was closed because they could not contact us, XXXX ... ... We are always talking to them ... ..Nothing ever gets resolved

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