Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
XX/XX/XXXX, I filed a complaint with the consumer financial protection agency. I explained that not only were we the victims of predatory lenders, we also the victims of Wells Fargos illegal and fraudulent practices. I made numerous payments using XXXX XXXX from the very beginning of our loan. Because of failure to actually report our XXXX XXXX quick payments, we were forced to request a loan modification that wasnt needed because we made the payments. Our XXXX XXXX dollar original loan, went to basically XXXX!??? Fast forward to XXXX, Again my wife made the payments via XXXX XXXX. I began receiving calls and notifications from Wells Fargo. They are saying that no payments have been made for 5 months and they are going to start the foreclosure process. I called and was told no payments were made of any kind, and the only thing we could do is to file bankruptcy. My wife was adamant that she made these payments. With an accredited mortgage company telling me the whole time, no my wife hasnt made any payments. Literally my only option was to file bankruptcy. After 18-19 years of dealing with Wells Fargo mortgage companys fraudulent activity and lies and downright theft, it is unacceptable. 
A company that was just fined a record amount of XXXX XXXX dollars, for accepting customers payments via XXXX XXXX, and not actually applying it to the actual mortgage. Thats what they did to me. Now my question for you is. Does Wells Fargo know that you can only get records from them until XXXX. The only other way is to submit a request to XXXX XXXX, and hope they will respond and help. They do not have to if they choose not to. So according to Wells Fargo without proof, theres nothing they can do. According to Wells Fargo, I never made any payments through XXXX XXXXXXXX the entire time, until we were forced again into an unnecessary bankruptcy illegally by Wells Fargo. According to the courts verification, and largest fine ever at XXXX XXXX dollars. 
You ask what I want. I want XXXX XXXX dollars. The fact Im filling a second complaint, this time with actual proof of the said transactions. That doesnt and will never cover the hurt and mistrust and accusations, blame, anger, my wife suffered in silence. Her first XXXX was in the way back from the bankruptcy lawyers office. The mental and emotional anguish she had to go through. 
Im now XXXX XXXX XXXX retired from the XXXX XXXX. I have limited income, and my wife is now fully XXXX. The XXXX XXXX will never change what she has been through and had to endure due to entirely from Wells Fargos illegal business process. The fact that Wells Fargo is still using deceitful means not only to me but its in your records. 
I dont see why this even needs to go any further. What would be the point? Im attaching the documents proving for a fact I have used XXXX XXXX services to wire money to Wells Fargo. 
Im not asking for much considering what we have been through Im our dealings with Wells Fargo

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