Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We were engaged by senior specialists of Wells Fargo / ASC and presented with a mortgage modification near the end of XXXX. The opffer was incredible in that it was reducing our interest rate substantially. Our only hesitancy of doing it was regarding any credit reporting issues during the process which was going to alter the terms of the existing mortgage. We were assured in no uncertain terms there would be no negativity reported. We agreed and the process went forward. Much to our chagrin, what we were told and what took place to this day of complaint is just the opposite. ASC had & continues to report derogatory payment history, false & inflammatory on my wife 's credit history which has diametrically damaged her rating & reputations. We tried every which way to communicate to Wells Fargo executive to no avail - we were stonewalled. We have a complete file including voice recordings of the calls and documents & PDF files to support our attempts - all to no avail. We pulled a free report this date from XXXX & XXXX! There was the negativity rating my wife in the " poor '' category reporting to XXXX XXXX, XXXX & XXXX, who all refuse to do anything about it citing it is Wells Fargo / ASC 's responsibility to do so. The following is only XXXX letter / FAX sent to ASC personnel to get this cleared up to no avail! I produced a XXXX report this date for the past 4 years - not XXXX missing payment - ever! Yet my wife 's credit is assaulted and her being defiled by Wells Fargo & ASC 's actions. 

TO : XXXX XXXX ; XXXX XXXXFROM : XXXX XXXX XXXXFax # : XXXXXXXXDate : XXXX/XXXX/XXXXSubject : Negative Credit ReportingDear XXXX & XXXX ; I need your help! Please find enclosed copies of the XXXX & XXXX reports reflecting negative credit reporting under my name by ASC. As you are aware & it should be well documented in the ASC files, this was the subject of major concern by me & my husband prior to my entering into the modification program. We were absolutely assured by you, XXXX XXXX XXXX & XXXX XXXX that absolutely no negative reporting was going to be made & yet here it is. 
I attempted to communicate through the email portal on your website. What I received was a response back regarding someone else 's account information & name. It appears that someone never advised the " system '' of the agreements & goings on with the modification. I am very concerned over the period of XXXX & end of XXXX. Some of the XXXX negativity will come off this year. It is the current year reporting along with incorrect figures & balances owing to these reporting agencies that has me very, very upset. I was told along with my husband that nothing of the sport would take place & yet it did. I did everything I was told to do by ASC and yet this has still occurred. 
Please review this & contact me at either XXXX or Cellular XXXX to discuss this and how quickly this oversight can be corrected to all three reporting bureaus. 
Sincerely, XXXX XXXX XXXX

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