On a recent phone call to XXXX I spoke with a XXXX XXXX concerning possible refinancing of my Wells Fargo Home Mortgage. XXXX mentioned that Wells Fargo had not reported 2 1/2 years of payments to any of the credit agencies ; thus my credit score did not clearly reflect my credit score. I telephoned Wells Fargo on three occasions to discuss the reasons, and I was told XXXX different stories. Due to XXXX in XXXX of 2013, I had to file Bankruptcy Chapter XXXX which was discharged in XXXX 2013. Wells Fargo keeps telling me that my attorney, XXXX XXXX in XXXX XXXX, WV did not file a re-affirmation agreement to not have the Home included in the Bankruptcy. My attorneys office tells me it was up to Wells Fargo Home Mortgage to send the re-affirmation agreement. Thus, this XXXX year old is caught in the middle of this chaotic problem where someone obviously screwed up when my bankruptcy went to Federal Court in XXXX, WV. My attorney requested I pay him {$400.00} to reopen the Bankruptcy. What gives here. 
