Consumer complaint received 2016-08-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo student loan " late fees '' unlawfully reported on my credit report as well as both charges written off as " a total loss ''. I called and set up a forbearance so this never should have reached this point. As far as required monthly payments, there are none and never have been which is why the monthly payment boxes are blank. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, my everything sporadically died after being diagnosed with a XXXX caused from hidden mold in our rent house of 2.5 years that the owners discreetly knew of. XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

I called Wells Fargo Edu. and told them I had not XXXX extenuating circumstance but XXXX and to please send me a forbearance form, they said they do n't offer forbearance, I told them their website said otherwise, then they said I could do something in place of forbearance over the phone ( which I did ) part of which included me having to pay them some money over the phone so I did n't go into default and my forbearance would be in place. 

I told the Supervisor paying anything is near impossible at the moment and that if I pay anything they 'll try to use it against me and repeatedly said I want a written statement documenting this which they said I 'd soon have. They never sent a form or email confirmation, they never even put a forbearance in place telling me " extenuating circumstances do n't matter. '' They tricked me making me pay over the phone with their Supervisor using it to put XXXX unjust negative claims on my credit report stating extreme late fees and XXXX total losses, all because I genuinely needed a forbearance so this never should have happened. I did n't even have the money to pay it, I took it out of my grocery money. 

W.F.Edu reported {$10000.00} and {$35000.00}, both of which are unlawful and incorrect. I need this off my report as soon as possible. I 've called them to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, and denied buying a house. 

These intentionally faulty claims on my credit report are n't my fault and I will not allow it to continue to destroy my life because the people at Wells Fargo attempted to punish me by ruining my credit report. 

It 's been difficult enough rebuilding my life over the last two years after multiple losses and the wrongful death of my Best Friend, paying bills, and having to save enough money to buy a replacement vehicle, and replace everything from my rent house that was ruined by toxic mold. I opened a XXXX XXXX card in XXXX XXXX to pay for the XXXX XXXX bills. 

I will finish the remaining XXXX courses and live a joyful, successful life and I need excellent credit to make this a reality.