We got behind on Mortgage due to employment change last January by February I knew we had to do something it was closing in on February due payment. I called Wells Fargo Home Mortgage and did everything they asked of me, got a hardship letter, explained the whole situation 5 different times, needless to say I was told that on my credit report the Jan. And Feb would be reported late.
Well I completed this agreement in March... I have been getting calls non-stop for other charges that in-cured since this agreement was made, but never on the monthly statement. I also found out a week ago when trying to obtain a new mortgage with another company that they have reported us late rolling for the last 14 months because they put you money being paid toward the last month due. Even though the way it was explained, those Jan & Feb 08 payments that I paid extra on my mortgage each month and on time where coming off at the end. So now both me and my husbands credit went down 200 points each, ruining our credit. Anyone else having these types of problems.
I have written letters sent them to the correspondence address in Des Moines, IA, still no reply, they also stated I was late on my payment in March when it was paid to Wells Fargo Bank on the 13th and on the receipt it states it is credited on the 13th; and they are now calling me 3-5 times a day for the $32.69 late charge, The customer service reps and rude and think they can bully me into paying this, I stated NO, I have a receipt from Wells Fargo Bank stating it was paid and credited on the 13th and the late charge was put in on the 16th of March. They really think we are stupid. Can anyone out there help me get this credit situation revised. Thanks!
0 comments