After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months. 
