I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me 
