Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Comment My Home mortgage is through Wells Fargo Home Mortgage. I was told yesterday, XXXX XXXX, XXXX by executive XXXX, that on XXXX XXXX, XXXX, I was delinquent on that payment, that the " delinquency '' was why I was denied an assumption loan to remove my ex-husband 's name off the loan. I was shocked to hear that because I have never been late in 40 years. I had made a payment on XXXX XXXX, XXXX, XXXX XXXX Pacific Time, through the Wells Fargo on-line transfer Ref. # XXXX and printed it out that same time XXXX/XXXX/XXXX at that same time. The printout Heading was " Wells Fargo Transfer Money & Make Payments - Confirmation XXXX, Page XXXX of XXXX. I got back to XXXX XXXX XXXX and gave her the Confirmation Ref. # for XXXX XXXX, XXXX. She said it will take 3 to 5 days to research this. I have been denied a refinance XXXX, XXXX, assumption XXXX, They did not tell me there was a " delinquency '' at that time, but just yesterday, that was the first time I was told about it. Here it is 2 years later, and they still have a record of a delinquency that they are going to research, that up until yesterday, XXXX XXXX, XXXX I knew nothing about. Yet Wells Fargo has since XXXX turning me down for help that I asked for and filled all paperwork that they requested. They keep upping the ante. In XXXX, I sent them 12 months of Wells Fargo payment history, I was declined. Then they wanted 12 months of payment history by my own hand with proof, which I did. They declined me yet again, saying they could n't verify my address. The same address I had been living in for 40 years. XXXX. I was still declined. I needed to get my husbands name off the loan. The divorce decree stated that " In the event that any one payment is more than 15 days late, the ( Respondent ) he may file an order to Show Cause to sell the property '' The decree also states, '' Petitioner ( I ) am making an effort to refinance the XXXX property '' I MADE THE EFFORT SINCE XXXX WITH WELLS FARGO IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was NEVER late in my mortgage " ate on any payment I gave her on the phone Wells Fargo `` Transfer Money & Make Payments- Confirmation # their " Thank you. You successfully submitted your transaction on XXXX/XXXX/XXXX at XXXX XXXX Pacific Time. '' WELLS FARGO HAS PREVENTED ME FROM THE FINANCIAL HELP I NEEDED. I was in XXXX marriage for 47 years, XXXX I had to file for divorce in XXXX. I live under the threat of having my ex-take my home. Of all the reasons, Wells Fargo gave me for denying my refinance ( s ), and assumption loan ( s ) Being delinquent was not one, because I never was, even though I was told yesterday, XXXX XXXX, XXXX that in their records it was stated " XXXX XXXX, XXXX I was delinquent '' Upon looking on my Wells Fargo Mortgage Stateme nt '' there was never a late fee charged so how could I have been delinquent? This looks like fraud to me. I am making this claim within the 14 days of rebuttal allowed by law, to finding out I was erroneously declared delinquent. Wells Fargo was told yesterday, XXXX XXXX, XXXX that I was not delinquent according to their own records and mine, and today, XXXX XXXX, XXXX I am filing this complaint. Wells Fargo Home Mortgage has ruined my credit history. I HAVE NEVER BEEN LATE IN MY HOME MORTGAGE PAYMENTS. PLEASE INVESTIGATE WELLS FARGO HOME MORTGAGE.

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