Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a mortgage with Wells Fargo and I was injured and XXXX. When I became injured I lost my job was declared XXXX. I had XXXX and and have a XXXX. The company that employed me let me go. I incurred extensive medical bills that put me in debt. I had to file a Chapter XXXX with the hope of saving my home and with the intent of returning to work. Shortly after I had XXXX ( XXXX ) I was informed I could not return to work. The Bankruptcy Judge converted my Chapter XXXX to a Chapter XXXX. I was a little behind in my mortgage and I tried to have Wells Fargo refinance the mortgage. I was taken thru a lengthy process twice only to be informed the bank would not refinance the mortgage. So I had to sell my home in XXXX XXXX, XXXX. I did a straight sale and Wells Fargo was paid in fill and I received a Satisfaction of mortgage being be paid in full. In XXXX XXXX I tried to buy another house after receiving my XXXX and Social Security. I was approved and the day before closing I was notified that there was a problem that a mortgage was still showing unpaid?. I told the Loan Officer mortgage was satisfied and sent him the closing documents at that point we lost the opportunity to purchase and I lost {$890.00} for inspection and appraisal. We could n't figure out what happened. In XXXX we tried again to buy a house and the XXXX said that there was something on file showing a mortgage not sure what it was the XXXX was able to get us approved. On XXXX XXXX, XXXX, I received an alert from my credit tracker informing that my credit score had changed. A review of the alert showed Wells Fargo reporting my mortgage late and reporting a Chapter XXXX. I immediately contacted Wells Fargo to ask why they were reporting derogatory information to my credit report for a loan that was satisfied. They had no answer they referred me to their investigative department who requested copy of my credit reports. I sent XXXX credit reports along with the derogatory information that was reported to all three credit companies. On XXXX XXXX, XXXX I receive a letter in the mail from the Wells Fargo Bank stating they completed their investigation and that their reporting a delinquent notice was correct. They also stated that they placed a compliance code on the credit file showing that their investigation was completed and justified. I immediately contacted the bank asking how their investigation and findings were correct? Again no answer I requested to speak with someone in the Corporate office ( XXXX XXXX ) who explained everything that happened. XXXX XXXX was shocked that I received this letter and was concerned that the Chapter XXXX information and credit companies were notified. She contacted XXXX XXXX, who was assigned to investigate the delinquent reports to my and my wife 's credit. I became very upset on the phone and was worried about my XXXX XXXX as I have a XXXX XXXX. XXXX XXXX said she understood and would follow up. XXXX XXXX XXXX contacted me and said that he was confused as to why I would receive that letter that the case was assigned to him and no one else should be corresponding. I also brought to XXXX attention that the mortgage number they were reporting as delinquent was not my old mortgage number and I had no other mortgage with Wells Fargo ever. I have been thru XXXX dealing with Wells Fargo it appears that they have very poor in-house process and worse communications. This bank has put me through so much stress and inconvenience in the past three years. That they have made me sick. I have been sick for days I can not be out under this type of stress by this organization. I have been sick for days now. I had just put my life back together and make sure that all my bills are paid on time to reestablish our credit and life. This bank is an embarrassment.

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