Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXX began making payments to Wells Fargo Home Mortgage in approximately XX/XX/XXXX with the initial payment due XX/XX/XXXX. XXXX XXXX XXXX filed for bankruptcy in XXXX and her mortgage payment was one month ahead when she filed with the XX/XX/XXXX payment being received XX/XX/XXXX per the payment history by WFHM to the attorney of XXXX XXXX XXXX. XXXX XXXX XXXX again filed for bankruptcy in XXXX and per her mortgage contract for reinstatement, she paid her mortgage both inside and outside of bankruptcy by both voluntary payments and wage deductions payments by XXXX XXXX XXXX whose verified employment was XXXXXXXX XXXX XXXX XXXX and employees are required to have livescan fingerprinting upon hire at the facility to verify their identify and facial recognition photo badges. So essentially for a little over a year, WFHM was being paid mortgage payments twice a month. In XXXX, XXXX XXXX XXXX appeared in XXXX XXXX XXXX XXXX XXXX with funds as a part of the requirement of her mortgage contract and was subsequently detained for having too much money in her possession and for refusing to give up her property. The last mortgage payment history, I, XXXX XXXX XXXX received showed multiple unapplied mortgage payments and diversion of her mortgage payments to a bankruptcy attorney and a foreclosure attorney. XXXX XXXX XXXX recognized that in approximately XXXX, the mortgage payment history also shows a bankruptcy attorney was paid. It is unclear why WFHM needed a bankruptcy attorney in XXXX when the payments were ahead and XXXX XXXX XXXX attorney was paid separately outside of court. At the conclusion of the XXXX bankruptcy filing, XXXX XXXX XXXX 's attorney filed a homestead deed of exemption on her behalf and nothing on behalf of XXXX XXXX was ever filed. Again in XXXX, after the XXXX XXXX XXXX revoked XXXX XXXX XXXX license and she had to respond to conduct in XXXX XXXX XXXX XXXX, VA surrounding housing, XXXX XXXX XXXX filed her own notarized Claim for Exemptions and it also included a Homestead Deed of Exemption. This was all mailed and/or faxed to WFHM Home Office in XXXX. XXXX XXXX XXXX filed nothing on behalf of XXXX XXXX. She filed documents only for herself and she was the only person affected in these matters. Attached is a letter from the XXXX XXXX XXXXa Governor 's Office clearly stating that XXXX XXXX XXXX license was revoked due to a matter unrelated to her practice and that was this housing matter and my refusal to surrender the property. Attached also is a check from Wells Fargo in approximately XXXX that had XXXX XXXX name on it after he was removed from this property in XXXX, again in XXXX etc. It is unclear why Wells Fargo continue to do these things but there is no evidence that XXXX XXXX made any payments or resided on this property and the land was deeded solely in the name of XXXX XXXX XXXX and the mortgage deed had XXXX XXXX name on it, with a requirement to pay and he has never made a payment. Insurance claims have been filed to protect the sole interest of XXXX XXXX XXXX whom has been affected. Evidence clearly shows XXXX XXXX XXXX paid her own attorney fees inside as well as outside of bankruptcy, with her attorney receiving {$2500.00} in bankruptcy and XXXX XXXX XXXX paying {$780.00} prior to the XXXX filing.