Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Here we go once again.. Let 's try and make them understand ... ..When a Federal Judge rules on a Bankruptcy, everything set in place starts begins at that exact moment, so when the judge says your 2nd mortgage payments are set at {$270.00}, to me, standing in front of the judge, then that is what I believe is going to happen, he also states that you, meaning me, are not limited to that number and that if possible I can pay more but the maximum Wells Fargo could bill me starting in XXXX XXXX was {$270.00}. They can not provide documentation from XXXX XXXX to XXXX XXXX where in any one month they had a billed showing amount due {$270.00}, they do how ever show Minimum Payment due {$350.00}, {$300.00}, {$290.00}, {$590.00}, {$590.00}, {$600.00}, {$610.00}, {$610.00}, {$610.00}, {$610.00}, {$570.00}, {$530.00}, {$510.00}, {$510.00}, {$510.00}, account CHARGED OFF then {$760.00} and finally XXXX XXXX {$0.00}. So starting in XXXX XXXX we made payments of {$300.00}, {$80.00}, both online in XXXX XXXX, {$400.00} online payment, {$0.00}, {$300.00} phone payment, they called us, which they were not suppose to due according to their own statements, {$270.00} Online for 4 months, {$300.00} online payment, {$300.00} online payment, {$270.00} online payment then in XXXX, we got tired of this online stuff because we never knew where we stood as far as balance and payments, so our Attorney mailed WF and had them start up paper mailed statements in XXXX XXXX, they admit this in their documentation to us, so the paper XXXX bill does not arrive so we pay {$250.00} XXXX XXXX Online, still no bill arrives so we pay another {$250.00} in XXXX, XXXX and XXXX come and go, our online account is locked from us using it, no paper bills arrive, dejavu right, XXXX XXXX they CHARGED OFF the 2nd mortgage and then claim we missed that payment also that we never received, so then WF representative says we missed the XXXX XXXX payment also, which shows {$0.00} due in their documentation, but we still receive not mailed bill. Kind of odd that we paid steadily up until paper bills we to start being mailed then all of a sudden we stop paying, dejava again ... this is just magical..So they justify the Charge off by adding up the amount they tried to collect from XXXX XXXX to XXXX XXXX, 2 months after Bankruptcy started and 2 months after Account CHARGED OFF, new math I guess, so we do not get credit for XXXX and XXXX XXXX and they just add on XXXX and XXXX XXXX after the CHARGE OFF and use XXXX and XXXX XXXX with those 2 months as excuses for Charging the account off, this way they get to avoid including the {$780.00} in payments made in XXXX and XXXX XXXX after the Judgement and then they add no payments for the 4 months after " mailed hard copy payments were to start '' ... BANG. Everything works to their benefit ... in their own minds .... I am just wondering where those mailed bills went to, XXXX maybe, because we they never missed sending us a first mortgage payment by mail to the same address this whole time. So somewhere internally, our online got locked and somebody failed to start mailing us the payments ... .See how that works out for them ... ..I am 7 months into this battle with Wells Fargo, I will not give up, they are at fault here and will not own up to it .... 
I have over 75 letters from various sections of Wells Fargo, each week they plead for 2 more weeks to investigate ... .We have had over XXXX phone calls from their different sections. You would think that Wells Fargo would be able to figure this out, but you and I know the truth, anything that takes and organization with the resources hey have should be able to resolve a little old 2nd mortgage mistake in a week or XXXX unless you are guilty and trying to figure a way out of this ... ..Keep trying Wells Fargo XXXX I am guessing I am closing in on costing them resources and man hour almost to the balance of the 2nd mortgage, I will not stop, I will continue to fax them and file complaints. They XXXX down my back and I an mad as XXXX and will not put up with it anymore

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 non-monetary relief