This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage. 
