Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Update of My Mortgage Loan # XXXX with XXXX XXXX XXXX/Deutsche Bank/XXXX XXXX - Ref : Case # XXXX/XXXX I would like to take this opportunity to thank your organization for taken the time to help me with my Mortgage loan problem with the XXXX XXXX /Deutsch bank that has not been totally resolved as of to date. The reason why I have to contact you again is to give you an update. 
For your information, I just got a letter dated ... ..from XXXX XXXX XXXX XXXX , that I should be sending my payment to another payment processor. But after receiving that letter, I went back the XXXX County to search for the Loan status that is when I found out that my Loan has been sent back to DeutSche Bank who gave it to them back in XXXX. 
Update Resolutions : Despite all my ups and downs, I had found the way to stay in my home and continued to make outrageous payments on it to the bank. 
The progress made by XXXX XXXX so far was that they had released the Lien on the Secondary Note, which I was able to get a Copy of it from the City and County of XXXX. 
My frustration has been that, I had not been able to re-finance my Loan, that is because when I applied to other banks to refinance, I was told that my loan is no longer Active on the XXXX Loan System, that it is showing INVALID. I am confused why my mortgage loan is going back and forth between XXXX XXXX and DeutSche bank. I have continued to make payments up-to-date with so many struggles. But the Loan status is showing an INVALID on the XXXX Loan systems of record to date with no explanation from the loan officers of these XXXX banks. But they are getting my monthly payments. 
However, the Original Loan # XXXX XXXX/Loan # XXXX XXXX, Issues have not been resolved. 
Action taken by me ; I have called the representatives from both bank to get a reasonable answer with all efforts failed. I asked them to tell me " if my loan has been Discharged '', and if so, to send me the release letter '', but I have not been able to get an answer from the loan officers from either bank. They had refused to refinance my loan ... .with no valid explanation why? I thought the Law says within 14 days, I am still waiting I need your help to send them a letter to explain the reasons why my loan is been transferred back and forth between the XXXX banks. I am a United a Citizen, why am I been treated this way .... 

CONCERNS : First, I have been asking for my Mortgage Loan review for the past one year now, they have not assigned me a loan officer who would review my loan with me to resolve some of the issues I have with the loan. 
When XXXX XXXX did the loan re-modification back in XXXX was supposed to be fixed rate of 3 % interest rate with pay-off to end in XXXX. My original loan was 30 years with fixed rate of 6.625 % with yearly pay-off to end in XXXX. 
My question that has not been answered or addressed so far is ; why did XXXX XXXX changed 30 years fixed rate of 6.625 % to end in XXXX, when original loan document stated otherwise. They are using the re-modification term to fit the fixed rate mortgage, and I am no longer on re-modification program Secondly : why have they failed to refinanced my Loan or find a way to help me reduced my payment. and thirdly : Thirdly : my Loan document stated is XXXX, but I was told is not XXXX, It stated on the Loan document that it is " XXXX Single Family Home ... '' booked by XXXX, of NY back in XXXX My Loan documentation did not stated Conventional, then they say it is not XXXX, I am having problem to re-finance my loan. 
They continued to trans my loan back and forth between XXXX XXXX and Deutsch bank. 
I kept getting apology letters ... I do not know who is responsible for what.. 
See Attached documentations

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