This is a follow up to a previous case filed with the CFPB. 

In XXXX, XXXX the HAMP & HARP programs were being covered heavily in the media, so I called the number advertised to find out if our mortgage might be eligible for a modification. I soon found out that though our paperwork from Wachovia ( now owned by Wells Fargo ) said MORTGAGE across the top, we had a home equity loan which was not eligible. 

I contacted the State of Florida and not long after was contacted by XXXX XXXX from the XXXX office. By XXXX XXXX, things seemed to start rolling. We were formally switched in the Wells Fargo System to a mortgage. But it took them 2 YEARS to do the modification! 

We complied with every request and their " trial period '' payment changes. We were always XXXX month AHEAD in our payments. Never behind. Our payments sat in " unapplied funds '' for months. They even failed to pay our property taxes in a timely manner. Towards the end of the ordeal my husband and I received endless " robo '' collection calls to our home and cell phones. We must of explained our situation to over XXXX different employees to no avail. Calls were coming while I was sitting with my father in the hospital. It was extremely stressful! My husband and I finally stopped answering our phones after both completely losing our tempers with employees. 

I eventually filed a complaint with the Consumer Financial Protection Bureau and suddenly Wells Fargo was on it again. They finally modified the mortgage in XXXX, but I just do n't feel like it was handled correctly. My property taxes the past two years seem really off. I had a local accountant review the numbers and was basically told the accounting is n't anywhere close to be correct. 

My dad and husband both had serious health issues last year and into the beginning of XXXX which kept me from addressing this issue until now. 

We feel Fair Debt Collection Practices Act were clearly violated in our situation as we were being HOUNDED for past due money that was not past due at all, but incorrectly accounted for within Wells Fargo 's own system. I also found that XXXX Wells Fargo Bank sounds a LOT like our case. 
