In XX/XX/XXXX/XX/XX/XXXX, I refinanced my Wells Fargo mortgage to a fixed rate of 4.125 % that matures in XX/XX/XXXX and has no prepayment penalties. Since, XX/XX/XXXX this newest misapplication of my mortgage payments issue has existed. The bank has attempted to falsely foreclose on my home. By Wells Fargo falsely CLAIMING : ( 1 ) past due mortgage payments up to 2-5 months ; ( 2 ) demanding the refinancing of my 15-year mortgage to one of their 20, 30, or 40 year to pay for two months ; ( 3 ) two years of past due and late mortgage payments to the credit bureaus ( e.g. XX/XX/XXXX reported serious delinquency of 11 months ) ; ( 4 ) loan falsely placed into the foreclosure department ; ( 5 ) often forced to make 2-3 months of payments within 30-days to avoid immediate foreclosure ; ( 6 ) advance annual early escrow prepayments or buydowns of upwards of {$2000.00} ( above mortgage payments ) ignored ; ( 7 ) mortgage payments often misplaced into principal, escrow, etc. ; ( 8 ) numerous late payments created by reversing, hiding, or splitting my advance mortgage payments ; XXXX 9 XXXX their information correct despite two-years of communications ( e.g. letters, cancel checks, phone calls, faxes ) ; ( 10 ) refusal to mail me monthly mortgage statements ; ( 11 ) consistently wrong balances due shown on mortgage statements, bank letters ( because statements not mailed ), or sending multiple monthly statements in a month ; ( 12 ) that my account was being handled by the bank president 's department ( but unsuccessful ) ; and more! On XX/XX/XXXX, I received their ( XX/XX/XXXX ) letter that read : " Wells Fargo Home Mortgage is pleased that you were able to successfully overcome the challenges you faced when your mortgage loan was previously in a default status. '' Two check payments on XX/XX/XXXX ( # XXXX ) and on XX/XX/XXXX ( # XXXX ) each for {$1200.00}. Regardless, the XX/XX/XXXX bank statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The first XX/XX/XXXX statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The second mortgage statement, dated XX/XX/XXXX ( with {$280.00} in unpaid fees ), plus an extra {$41.00} in late fees. These two-years of injustices will marks its three-year anniversary in just couple months. Yet, it is still not settled. I have extensive documentation to support this situation. 
