Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting District of Columbia

I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due $23000.00. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used $19000.00 of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is Short Sale ''. There was no


short sale ''. I have written the credit agencies to request that language be added, this was not a short sale ''. The language was added customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo - times and they have sent me the same form letter - times with the same signature. Why does this interpretation happen? How is it determined? The words Short Sale '' never appear in the credit agency reports?? I have a credit score around -. I have about $420000.00 in equity in my home. - changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.