Wells Fargo & Company Mortgage Complaint

Wells Fargo & Company Mortgage department,

FHA mortgage Credit decision / Underwriting North Carolina

The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the - - - -. I have gone directly to - and spoke with - - - directly and his staff and WFHM, failed to send the required paperwork to the - and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a - rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the consumer.