Year XX/XX/XXXX I paid through online bill pay directly from my XXXX Bank acct a mortgage payment to Wells Fargo. This was paid on time and on auto pay. Within few days of receiving the payment Wells Fargo sent the payment back to XXXX without my knowledge. A few months after that Wells Fargo started reporting me past due to my credit report and charging me penalties and interest. 

XXXX I worked on trying to get this issues resolved on my own. I had no issue returning the payment again to Wells Fargo and would have done so but they would not remove the fees and the payment would still be considered past due because fees would have been taken from the payment before being applied to mortgage. 

XXXX Attorney XXXX XXXX wrote letters to Wells Fargo on my behalf trying to resolve this issue. During this time wells Fargo requested COPIES of two checks from XXXX Bank that they believed was where issues started. These were provided. But they still would not clear my credit AS IF NO PROBLEM ever existed. 

XXXX Attorney XXXX XXXX XXXX had extensive written correspondences with Wells Fargo trying to resolve this issue. Through XXXX XXXX XXXX office both Arkansas XXXX XXXX XXXX XXXX and Arkansas XXXX XXXX XXXX wrote letters to Wells Fago on my behalf. 

XX/XX/XXXX I met with a Wells Fargo Representative at a local office in XXXX XXXX Arkansas and this representative of Wells Fargo pecifically called Wells Fargo main mortgage office to see what needed to be paid in order to stop the bleed on my credit while this was being looked into by the state congressmen. I also was assigned a direct Wells Fargo representative at that time by the name of XXXX XXXX. 

BOTH XXXX XXXX and XXXX XXXX were involved in campaigns and elections during this time. However XXXX their offices wrote letters AND sent documents provided such as my bank statements and letters showing the routing numbers between XXXX Bank and Wells Fargo. It was requested for a copy of the CHECK in question to be provided showing proof to Wells Fargo from XXXX Bank. XXXX Bank responded that they could provide certified bank statements and routing numbers but that their system was updated and they could not provide the actual check copy. 

Wells Fargo refuses the XXXX Bank letters and certifications and my personal bank statements as proof that THIS PAYMENT was indeed paid on time and properly. I have a specific representative of XXXX Bank local main bank in XXXX Arkansas. 

This has greatly affected my ability to refinance my property of which I have over XXXX equity. I have above XXXX credit score even with the bad Mark of over 40 month rolling past due Mark on my credit by Wells Fargo. This bad MORTGAGE MARK on credit has harmed me in a huge financial way. I have disputed this with the credit bureaus as well. I have a lot of documentation along this journey. 
