Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

This complaint relates to an issue previously addressed and supposedly resolved four months ago, but the company did n't follow up. We reported Wells Fargo Mortgage to the Consumer Financial Protection Bureau for discriminatory practices and not following HUD guidelines. They responded with a promise to fix the problem. See the attached letter dated XXXX XXXX, XXXX, specifically the highlighted paragraph in which XXXX XXXX states all credit bureaus were directed to remove all negative reporting on our account ending in XXXX. 

Despite promising to remove the negative reporting for months ago, Wells Fargo continues to report it and ruin our credit rating / scores. The enclosed letter from XXXX, dated XXXX XXXX, XXXX, confirms that Wells Fargo is still reporting PAY STATUS as " Account 120 Days Past Due. '' Under DATE CLOSED, the notation still exists that gives the " Maximum Delinquency '' of 120 days in XXXX XXXX in XXXX, plus. in the area that gives number of delinquent days by month, XXXX still says " 90 '' and XXXX through XXXX all say " 120. " In our previous complaint, we shared that Wells Fargo is not helping us because we are a XXXX married couple. We are aware of at least XXXX XXXX couple that survived the same disaster that we did, but also could not return home for almost a year. We have confirmation that they also did not pay their mortgage until the home was repaired, but Wells Fargo followed HUD guidelines in their case and did not report any information on them for the full nine months. I believe XXXX employee in management is being retaliatory because we reported her and she is responsible for the company not keeping its WRITTEN promise to remove all negative information. 

As of XXXX XXXX, XXXX, Transunion states that Wells Fargo confirmed the account 's PAY STATUS as " Account 120 Days Past Due. '' The report shows, under DATE CLOSED, a notation gives the " Maximum Delinquency '' of 120 days in XXXX and in XXXX. In the area that gives number of delinquent days by month, XXXX still says " 90 '' and XXXX through XXXX all say " 120. " Additional Background : For over a year, we made repeated requests to Wells Fargo Mortgage to stop their continued inaccurate negative reporting to all credit bureaus regarding our account ending in XXXX. 

Each request included the XXXX XXXX, XXXX letter from HUD ( U.S. Department of Housing and Urban Development ) that directs FHA servicers to suspend reporting of delinquencies to credit repositories for up to one year when borrowers are granted disaster related mortgage payment relief and are performing as agreed. 

To prove that we met HUD 's criteria to not have our information reported, we provided Wells Fargo with their own letters in which they had previously acknowledged that we were victims of a national disaster and/or had " performed as agreed '' the entire time, up to and including the day we paid the mortgage in full in XXXX, XXXX. 

After the mortgage was paid, instead of removing the three months of incorrect information, Wells Fargo increased the negative reporting period to include seven months total ( XXXX XXXX through XXXX XXXX ). Wells Fargo is an FHA servicer, but in XXXX different letters to us they denied having to follow the HUD guidelines. Those guidelines prevent the company from reporting anything about our account for the period XXXX XXXX through XXXX XXXX.