Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has no clue as to what a Chapter XXXX Bankruptcy covers and does not cover. 
We have a mortgage and 2nd mortgage with them we also had a Credit card ... 
In the chapter XXXX Documents .pdf, the fifth page down labeled Chapter XXXX Trustee it lists Claims and Distributions, there are XXXX references to Wells Fargo XXXX WELLS FARGO BANK N.A Unsecured XXXX WELLSS FARGO FINANCIAL ALABAMA ( PAY DIRECT ) XXXX WELLS FARGO BANK NA ( PAY DIRECT ). So now go to XXXX XXXX, XXXX. HOME MORTGAGE PAYMENTS -- I QUOTE " You must directly pay all post petition home mortgage payments, meaning 1st and 2nd mortgages '', so now go down further to Chapter XXXX Plan Section XXXX DIRECT PAYMENTS, it lists our Jeep Payment, it also list both mortgages with Wells Fargo. Now these mortgages are in no way affected by this bankruptcy except to tell us to continue making payments at the amounts listed. You following me here, the mortgages are not part of the bankruptcy. No go to SCHEDULE D, a little further down. Now this explains Secured Claims, both mortgages are listed here ... Do you see that, so in other words they are not part of the bankruptcy. Now open the pdf called Wells Fargo Explanation. Disputed Credit Reporting, you determined it to be accurate. You verified account is discharged in chapter XXXX, show me where it says that about this account XXXX in the chapter XXXX, show me anywhere ... you can not. No go to Monthly statements, your own words, statements were stopped upon notice of a Bankruptcy filing???? What the XXXX is this, where does it say in the bankruptcy to do this. After we ceased sending statements you received a letter on XXXX XXXX XXXX requesting to resume bankruptcy statements, key date is XXXX XXXX. So we paid online payments for 12 months, then requested you to start statements again, we make XXXX payments in XXXX XXXX, so by XXXX XXXX we should have gotten a statement, for sure in XXXX XXXX ... Wait a minute those just happen to be the month 's no payment was made, I wonder why, could it be you screwed up and did not send us the statements I mean we requested them and then stop making payments, coincidence, no way, you dropped the ball and never sent the statements, you also locked us out of the online access, so now we can not pay online nor are we getting statements in the mail, just happens to be the only month 's we missed payments on this account, strange right ... ( XXXX XXXX start statements XXXX XXXX Charged off account -- -3 months after we wanted statements started that we never received ). Now lets look under Charge Off, you state and I quote " due to the status of the account being under bankruptcy protection issuing a right to cure default notice would constitute an attempt to collect '' Wait a minute this account is not under the bankruptcy so all of this is total XXXX ... Show me where it is under the bankruptcy protection, read it and point it out to me ... gets better now ... go to your credit adjustment request ... are you there ... we were n't able to determine th specific concerns you have about your credit reporting ... whoa XXXX ... take a peek at document number XXXX 1st mortgage apology, Credit reporting for account XXXX We apologize that you had to spend time addressing the matter. The posting of payments was delayed, since recognizing this situation we have updated our system ... WHAT YOU WERE WRONG THE WHOLE TIME ... .Get your head out of your you know what, the mortgages are not and never ever will be covered under Bankruptcy not Chapter XXXX, XXXX or XXXX, none of them, so your claims that you were not allowed to do this or were able to cutoff our online access is all a lie,, send this to your legal department, you owe us big time ... .... 
Due to the delay in the payment posting we have submitted a request to the consumer reporting agencies to update the credit reporting ... hahahahahahahahaha

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