Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have submitted a complaint case number XXXX against Wells fargo I did send a package to consumerfinancial desputing the reply I received from Wells Fargo dated XXXX XXXX XXXX. XXXX XXXX I had requested a written document showing me the XXXX + new cap money that was being applied to our new approved loan modification. I verbally asked 3 times on the phone and only once got numbers quickly thrown at me by my preservation specialist. So XXXX XXXX XXXX I sent a letter to Wells fargo with several questions about my monthly statements how my money was being applied and I had found a couple of errors that I felt needed to be explained or Fund that were taken out twice needed to be credited to my account. My preservation specialist in fact did receive my letter but he said " I personally did not read it. '' Personally i do n't know why he did not read it or even address any of the questions I had. Since the letter was not read I refused to sign the new loan modification. Since by law I am supposed to be given my debt in writing within 5 days from my request I decided to send XXXX cease and desist letters. XXXX were to XXXX different addresses I had for Wells Fargo, and the last one was to XXXX XXXX servicing corporation. Stating validation of debt if you have evidence to validate your claim that the attached does not constitute fraudulent misrepresentation and that one owes this alleged debt this is a demand that within 10 days you provide such validation and supporting evidence to substantiate your claim until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated you have no jurisdiction to continue any collection activity. If absent the validation of your claim within 10 days you must cease and desist any collective activities and can not contact me through mail, phone, in person, at my home, or at work. If any contact is made they will be fined up to {$10000.00} for each contact. Until my request is fulfilled. According to Wells fargo letter " we found no response was previously provided to your debt validation request. '' wrong I sent a letter XXXX XXXX after requesting it verbally three times over the phone. After the cease and desist letter was sent XXXX XXXX XXXX and stopped all communication until I got my request of a written document of my account of my apparently {$30000.00} debt. Then there should have been no contact. The dates that I was contacted by letter was XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. 3 times Wells Fargo tried calling me also ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. From XXXX. In fact on XXXX/XXXX/XXXX they tried to contact me at XXXX a.m. which according to the Fair collection practice act, they ca n't do that it 's to early. Here every time Wells fargo calls they say this is an attempt to collect a debt blah blah blah fair collect Practices Act if they want me to abide by the law then Wells fargo has to do the same and abide by the same laws. At the end of Wells fargo letter request for compensation for payment for statutory damages. '' We 've confirmed no impermissible contact was made after the cease and desist was processed on your account your request for monetary compensation is respectfully denied. '' I have attached the letters of attempting to contact along with the three times over the phone so I do n't feel Wells fargo can deny my claim I think we need a neutral party like Consumer Financial to be review my claim. Also, the letter dated XXXX/XXXX/XXXX, I feel the Wells Fargo employee did understand my request so that letter will not be part of the other letters of my claim. So up to {$140000.00} for the contacts made to us by WELLS FARGO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation