I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}. 
