Consumer complaint received 2015-09-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for chapter XXXX Bankruptcy in XX/XX/XXXX. I recently received documentation from an attorney representing Well Fargo Home Mortgage claiming that I had missed XXXX payments. When asked for information about the date of the missed payments they were very vague and would not provide any information. I also asked why I never received a late payments notice anything from them stating that a payment was missed. Again, I could get no information from their attorney nor would they give any information to my attorney. After contacting Well Fargo with a Credit Bureau representative, I also could n't get any accurate information. She claimed that there " may have been a late payment back in XX/XX/XXXX. And " maybe another payment that was over 30 days late ''. If I had missed a payment, why did n't I receive any information indicating that a payment was missed until over two years later?? How can their attorney claim I missed XXXX payments and then Well Fargo Mortgage tell me " it might have been XXXX or XXXX ''. I 'm received a Order on Motion for Relief From Stay from the Bankruptcy court so that they can file foreclosure proceedings. I think I have a right to information about the missed payments, yet they wo n't provide it to me. How can I research my payments if I do n't know which payments they are claiming that I did n't make. How can I provide proof of payments if I do n't know which payments that they are claiming not to have received? I made some payments at the branch which was a convenience to me. They made a change that prevented me from being able to do that. I was forced to mail in my payments. Every month I received a statement for the month with the payment due and sent my payment in by check. They cashed those checks, yet are claiming that they did n't receive some payments. In XX/XX/XXXX they sent me a foreclosure statement, and I was behind on my payments. I talked with a Wells Fargo representative and got the exact amount that I needed to pay. I took money out of my XXXX and paid that exact amount. I was then told that I did n't pay the correct amount. WHAT? I could n't get a straight answer about the discrepancy. Those funds were put into an unapplied funds account. When I inquired as to what that account was for and why the funds were in there and not applied to prevent the foreclosure that could n't give me an answer? Again, I sent more money and it still did n't meet their requirements. Eventually I filed for Chapter XXXX to save my car and my home. I take responsibility for my actions in getting into the situation I was in. I want Wells Fargo to take responsibility and have accountability for providing accurate and timely information to me. I feel as though I have been given the run around and like one part of Wells Fargo does n't communicate with the other entities. That is not my problem to overcome. They should be able, willing, and capable of providing a consumer with accurate and timely information. That has not been the case. Frankly, I have no idea what they have been doing with the funds I have been sending them or the bankruptcy court has sent them. I 'm very concerned with their ability to account for the funds they have received. I would appreciate an investigation into how they have handled my loan from the time it was sold to them. Thank you!

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