Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ID)

I need a new complaint representative from Wells Fargo, Conflict of interest. 
I am disputing the latest response from Wells Fargo, your website closed down on me while I was disputing. 
At the end of XXXX I requested guidance from Wells Fargo Home Mortgage ( WFHM ) about my interest rate increase. This simple request has turned into a fight for honesty and having integrity when there 's a mistake. WFHM has fraudulently destroyed my XXXX credit score, discriminated against me, and broken several key loan servicing laws. All of the allegations against WFHM are supported by my documents. I want to civilly hold WFHM accountable for the indiscretions against me. 
Beginning XXXX Wells Fargo Home Mortgage has been fraudulently reporting I 'm in a " PPA ''. 11 months later Wells Fargo concedes to stop fraudulently reporting my XXXX is in a " PPA '' to the credit bureaus, waiting on XXXX and the discrimination. I educated Wells Fargo on XXXX that I was not paying a Partial Payment but my full contractual payment on both the XXXX and XXXX mortgages. Wells Fargo has agreed many times I 've never missed a payment nor have I payed a partial payment, always full payments on time. Because of this fraudulent reporting I was unable to refinance. Because of this fraudulent reporting I 've spent countless hours attempting to persuade WFHM to correct their mistakes and missed opportunities spent with my family and the stress cause me to be hospitalized. Because of this fraudulent reporting I 've spent hundreds of dollars in futile attempts to stop WFHM from destroying my credit. Because of this fraudulent reporting my credit score has plummeted from an XXXX down to XXXX. The malicious fraudulent credit reporting was a personal attack aimed at stunting my possibilities of refinancing with another lender and forcing me to only deal with WFHM. 
XXXX and Wells Fargo ordered XXXX evaluations on my house, all XXXX should be voided. The rules are very clear about Brokers opinions and appraisals contracted by XXXX and WFHM. 
There are approximately XXXX requests for time needed to address my concerns which equal to 585 days, 1 year 8 months, or 20 months. Rules on servicing time constraints have been egregiously overlooked by WFHM which again is still causing hardship. The next " We now expect to complete our work by XXXX XXXX, XXXX. '' is in 1 day. XXXX days since the Fraudulent PPA reporting, XXXX days since I 've been asking for guidance on my interest rate increase, and XXXX days since WFHM admitted I was not paying partial payments. Several times during my exhausting quest for Email communication accommodations, a WFHM representative would Grant me Favor ( Neh. ) and allow a few Emails then promptly revoke my privileges without any explanations. Currently I have XXXX SPOCs for reasons unknown. XXXX SPOC have refused Email communication accommodations. My complaints have been against my current SPOCs, they 're still in control of my case, major conflict of interest. 
The confusion about my mortgage accounts at WFHM are directly connected to the Single Point Of Contact ( SPOC ) rule not being followed. Multiple ( XXXX ) SPOC 's led to ongoing discriminatory act. WFHM refused communication accommodations, phone calls only. This discrimination stopped my ability to obtain a better interest rate and caused me undue hardship. According to the settlement agreement between the United States of America and Wells Fargo & Company under the Americans with XXXX Act, an accommodation should have been made so I could use email when communicating with WFHM. When seeking quidence from Wells Fargo through the ADA coordinator, I was passed off to someone else, no resolution. 
Wells Fargo, The XXXX, and The Consumer Financial Protection Bureau all have a blocking system to stop all complaints from escalating to a higher level.