Wells Fargo Mortgage
falsely reported a foreclosure to the credit bureaus. I sold my home; Wells was paid in full.
Before a final divorce decree forced me to sell my home and catering facility, I applied for a loan modification.I wrote a hardship letter to the Wells loan modification agent explaining that I was in the midst of a divorce, was recently hit by a car (as pedestrian),health issues, etc. I explained that I had owned a catering company for 22 years, and had my facility within my home. Selling would not only forfeit my home, but my livelihood. Wells assured me that during the loan modification process, I need not pay the mortgage; that once approved, the late payments would be added to the loan balance and this total amount would be refinanced. They said I would have lower payments.I had a large amount of equity in the home (valued at $850,000, with a $350,000 mortgage). However, the loan modification was denied, and Wells immediately began sending notices:late notices, warning letters of intent to file a Notice of Default, foreclosure warnings. Fortunately, I sold the home. My sellers' closing statement shows Wells paid in full, Wells' Final Escrow
Account Statement has a zero balance, and the MLS Listing shows that my property sold. What other document would be more definitive in expediting the removal of the false foreclosure on my credit report? This black mark on my consumer report is not only jeopardizing my hire, it has prevented me from renting a home.