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In an effort to avoid being thirty days late on our mortgage payment during the calendar year 2013 we decided to take our payments into the Wells Fargo Branch only to find that some payments made from January to November on or before the 30th were placed in a pending status only to be posted after the first of the following month resulting in not only a thirty date late finding but a derogatory entry on our credit report as well. When we came to to realize the practice being employed we contacted customer service requesting statements for 2013 only to receive a payment history confirming receipt of payment only with no reference to when such payment was posted to our account. What we found to be the case was that funds were received placed in a pending status and according to the statements these funds were "unapplied". Accordingly, absent actual "posting" the attendant damages complained of herein occurred. Aside from a delay of some ten months before finally providing the requested statements even then we were only provided with partial information until finally being provided with the requested statements on November 30, 2013. By the time we received these statements Wells Fargo was claiming we were four months pas due along with the attendant threat of foreclosure. By now being provided the sought statements over the course of eleven months we have been unable to participate in the process. Aside from the aforestated information it should be noted that Wells Fargo has engaged in other irregular practices to include the fact we participated in a trail modification in 2009 where we were required to make three payments only to be informed thereafter that we were not eligible for a modification and all three payments were applied to interest rather than to the principal loan balance. It was on April 20, 2012 that we applied for the assistance through the California Attorney General program and were informed by "Justin" of Wells Fargo that we did qualify and the call was then transferred to "Patrick" of Wells Fargo who stated our loan was not owned or serviced by Wells Fargo but that the loan was now a private loan sold to LN Port.
We received a settlement check from ILYM Group, Inc. against Wells Fargo For $84.78 each for harassment using their auto system. Even after the settlement these practices continued and I asked them to please stop calling referencing the settlement agreement for their continue harassment and I was told by Valarie I.D# IP8 that I needed to fax a stop and cease letter to 866 278-1179 and the calls would stop.
We requested a complete account audit from Wells Fargo and we received their response on 12/20/2013 via mail with another payment history, the same information we received when we requested our statements. Wells Fargo said having a statement is a privilege not our rights especially if your four months behind we were told to pay all your past due amounts and our statement will resume.
As of 1/10/2014 are statements for 2014, 2013, and 2012 are now available to view on line. Statements for 2011, 2010, 2009 and available as of 1/12/2014.
Payment statements for 2013 shows payments not applied to our account, we will not be sending anymore payments to Wells Fargo until we get a clear understanding of our true balance.
Payments made for 2013 show payments not applied to our account and Wells Fargo is asking for payment of $9,200.58.
Mortgage payments made not posted to our account for 2013.
Payments for loan modification made for $2032.02 on February 1, 2009 was not applied to our account, January 1, 2010 and February 1, 2010.
The activities on our account during 2009 and 2010 are the most confusing transactions I have ever seen. I could not make any sense of what Wells Fargo was doing to our account during this time so lets see if they have a good explanation it is absolutely outrages. It does explain why they would not comply when I asked for my statements, they gave me hell!
Part (2) of Wells Fargo outrages payment posting, see if you can keep up.
Part (3) of Wells Fargo payment posting for 2009 I am so confused. This experience has been very stressful for my husband and I, Wells Fargo is like a thief in the night except they do it on paper.
This is a payment arrangement Wells Fargo made on April 10, 2010
On October 1, 2009 Wells Fargo submitted a modification eligibility which was incomplete. Seems like their goal is to confuse you and if they succeed they win but not this time, I came fully prepared because for years they done just that. I never thought that a bank that large would intentionally deceive their customer, if it didn't happen to me I would have never believed it.
On or about May 2012 Wells Fargo mailed us a letter for agencies to help with payment problems and HUD was on the list so we called HUD and she gave me her name and called Wells Fargo and when Wells Fargo answered she explained that she was from HUD and that I was on the line so I started talking and they asked me what was the representative's name and I said she did tell me but I forgot she started to give them her name and they said oh no she has to be the one say it and I could not remember her name so they ended the call.
My husband had a accident at work were severed his fingertip on December 14, 2012 we contacted Wells Fargo and we got the biggest runaround ever.
On September 21, 2012 Wells Fargo offered a temporary forbearance agreement but they could not legally confirm the agreement without my consent. I asked why and he said for legal reasons but if I did not accept the agreement they could proceed with foreclosure so I accepted the agreement. Later I realized included all fees associated with this account and that was when I understood what he meant for legal reasons because the agreement should be based on the principal balance.
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