I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me. 
