I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX 
