Consumer complaint received 2020-02-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX inquired with Wells Fargo to refinanace HELOC XXXX XXXX referred to wrong department XXXX XXXX XXXX Application for refinance with HELOC  XXXX XXXX at XXXX Never received a phone call about denial. Got a denied letter in mail the following week. 
XX/XX/XXXX reviewed credit report. Wells Fargo reported XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX 30 days late which was inaccurate. The payments were late, but never 30 days late. Some were a few days late while others were a week or so late. 
The following is the journey to where I am today with the refinance. You will see the delays which appear to be in the INTEREST OF THE LENDER. I will also supply you with the dates of payments and confirmation numbers. XXXX  has since supplied an update as of XX/XX/XXXX with the removal of all but two months which includes XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which I will need to research again to confirm and file a complaint again. 

Wells Fargo failed in communication of next steps XX/XX/XXXX Denied HELOC REFINANCE. 
XX/XX/XXXX Passed back and forth between Home Preservation and HELOC. 
XX/XX/XXXX Passed back and for again between departments XXXX XXXX XXXX ext XXXX Customer Service Executive Office She said that she would assign one point of contact. Questioned why I waited to refinance. I explained that I was trying to raise my score before reapplying to keep from having increased percentage rates or even denial. 
HELOC DENIAL Denied due to delinquent Severe which was due in part to their errors!!! 
XX/XX/XXXX XXXX I left msg. for XXXX XXXX XXXX ext XXXX XX/XX/XXXX XXXX I left msg for XXXX XX/XX/XXXX Per XXXX XXXX XXXX XXXX was not in XX/XX/XXXX First Communication with XXXX XXXX. Stated she would work on incorrect credit reporting and assigned a Home Preservation Specialist. 
XX/XX/XXXX Assigned to XXXX XXXX at XXXX ext.XXXX  XXXX left msg for XXXX XXXX XX/XX/XXXX Recieved application for refinance in mail with a letter for XXXX XXXX . No call. No nothing except application. 
XX/XX/XXXX left msg for XXXX XXXX XX/XX/XXXX left msg for XXXX XXXX XX/XX/XXXX either mail box was full or left message for XXXX XXXX my notes aren't specific enough on this date. 
XX/XX/XXXX Spoke to XXXX XXXX in the same department regarding no call back or communication from XXXX XXXX. 
XX/XX/XXXX Called could not leave a message for XXXX XXXX. Voicemail was full XX/XX/XXXX Spoke to XXXX XXXX ext XXXX who transferred me to XXXX XXXX at ext XXXX XXXX informed me that she would be my new point of contact ; however, she came back on the line and gave me back to XXXX XXXX. 
XX/XX/XXXX XXXX answered my questions regarding the loan refinance. 
XXXX/XXXX/XXXX Left message with XXXX XXXX regarding no call backs etc.She still had no feedback on credit reporting issues and prior 1st mortgage modification from XXXX. 
XX/XX/XXXX I faxed the application with supporting documentation from Wells Fargo XXXX, GA XX/XX/XXXX Confirmed that they recieved the documents. XXXX XXXX ext. XXXX. Stated it would take 5-7 days to review XX/XX/XXXX Sent faxed new check stubs with year to date from XXXX XXXX XXXX XXXX. There new system has to different views, so I had to resend them. 
XX/XX/XXXX XXXX XXXX new preservation representative for contact ext. XXXX XX/XX/XXXX XXXX patched XXXX the underwriter through to me which had questions regarding paydates. He requested authorization to obtain information. He stated at the time not to send my XXXX w-2 's. 
XX/XX/XXXX I faxed the signed form on XX/XX/XXXX at XXXX. 
XX/XX/XXXX XXXX called me stating that she was waiting for employment verification form the county which was sent on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX XXXX was faxing them the information around XXXX. 
XX/XX/XXXX I havent heard back from Wells Fargo as of XX/XX/XXXX at XXXX XXXX  **********Here are the dates of my payments to Wells Fargo for my HELOC THAT WERE NOT 30 days late. 
XX/XX/XXXX XXXX XXXX for XX/XX/XXXX payment XX/XX/XXXX XXXX on time XX/XX/XXXX XXXX XXXX ON TIME XX/XX/XXXX XXXX XXXX XXXX 'S PAYMENT XX/XX/XXXX XXXX XXXX TOWARDS XXXX PAYMENT XXXX XXXX XXXX TOWARDS XXXX PAYMENT XX/XX/XXXX XXXX TOWARDS XXXX PAYMENT XX/XX/XXXX XXXX ON TIME XX/XX/XXXX XXXX XXXX PAID FOR XXXX WHICH WAS DUE BY XXXX XX/XX/XXXX XXXX XXXX PAID ON TIME XX/XX/XXXX XXXX XXXX PAID ON TIME XX/XX/XXXX XXXX XXXX PAID ON TIME The 30 days late should never had been applied and has caused problems with my options for loans and interest rates. In XXXX and XXXX are still showing inaccurately on my report which I can still confirm at this time. These errors are surely system wide and have probably wreaked havoc on personal loans interest rates being higher or denial.

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