Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over the last 8 years the banks keep asking why the federal agencies ( OCC, DOJ and CFPB ) keep requiring the banks to agree with consent orders but refuse to admit to any wrongdoing. Illegal foreclosures, charging fees above the legal limits, financing terms that are not beneficial to the the borrower ( s ), minimum efforts to keeping people in their homes during the Great Recession and not reporting accurately to the XXXX credit agencies are to just a few examples. 

My personal issue with Wells Fargo is not reporting accurately to the bureaus, discriminating against me for legally filing of a Chapter XXXX, not updating the policies on Reaffirment Forms that the bank is requiring in order to report accurately to XXXX, XXXX and XXXX of my payment history. Wells Fargo refused to accept the bankruptcy reaffirment document prepared by my bankruptcy attorney so therefore nothing is reported at all. As a United States citizen I had the right to file a Chapter XXXX, the United States Bankruptcy Court agreed that I was bankrupt and granted a discharge. Wells Fargo had every right to attend the Meeting of the Creditor during the bankruptcy and elected not to attend, I completed the proper bankruptcy documents and forms which included under " Part A '' to reaffirm the debt under " Property No. 2 '' listed Wells Fargo Home Mortgage with the " Described Property Securing Debt : as XXXX XXXX XXXX, XXXX, TX XXXX which is recorded in XXXX XXXX Texas. '' I have called on multiple occasions that I reaffirmed the mortgage. It would have been impossible for me to continue to hold the liability of the mortgage if I did n't reaffirm the mortgage considering it 's been 4 years since the Chapter XXXX was discharged. Wells Fargo has refused to accurately report the payments since the filing, and has stated that there will not be any future payment history reportings as well. This has harmed my scores which has prevented me to reestablish my credit and is costing me major financial harm. I have paid the monthly mortgage payments on time. I demand that Wells Fargo reports the pay history to all XXXX credit agencies as paid on time from the month that Wells Fargo stopped reporting up until today and every month until the mortgage is paid in full. 
Wells Fargo would have foreclosed on the property either following the laws or not if the mortgage was not paid in accordance to the terms on the Note if the loan was not paid. Why does Wells Fargo decided whether they should accept the reaffirment documents from the attorney or not and why did Wells Fargo not send the reaffirment forms to me or my attorney when they had the legal obligation to do so? 

This needs to be addressed in my favor and it needs to be address right now. I want in writing a letter showing that all three agencies have been sent the payment history from XXXX/XXXX/2009 until present with no gaps. I want this completed and to me right now, not tomorrow, no excuses and I want any and all fees with any charges to my loan removed. Now!!!

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