tiggerlgh

Because regulators said they have to. They have to send out an Adverse Action Letter with the reason for all declines. That’s it they are correct they had to send it and they did. Not the first or last regulation that doesn’t always make sense.

Just trying to be clear. In your complaint I wouldn’t say you didn’t open it and it doesn’t matter what you told WF if it’s allowed in your original account documents. I would focus on the they didn’t close it. Requiring signatures is common so not doing it over the phone isn’t that odd. I agree on the comments above related to over drawing for account fees. I would look into that as I didn’t think that was allowed anymore. As for branch locations I was just stating what is online regarding the sale of the accounts

I feel like there is more to this. First you did open the account and also I thought the only accounts sold were in the areas where Wells Fargo sold the branches to Flagstar so there is no longer Wells Fargo there, they are now Flagstar branches.

No you can’t use your income if you are not on the loan.

You didn’t have a contract with dates, etc. spelled out?

Nope and still higher than last week. My previous post should say refi to a 15 year but the fact remains. Rates are higher this week and appear to be holding steady. Will see more tomorrow. Op have you locked in yet?

Probably already missed the bottom. I am currently reading my mortgage to a 25 year at 2.875%. The rates today are at 3.25% for the same loan. If they go back down I doubt they go much lower than they were.

How long are you staying? Definitely figure-out the break even point. Refis cost money so it takes a few years for the savings to be realized.

So if you don’t think mortgage rates move with the fed rates why do you think mortgage rates will go down of the Fed cuts it’s rate?

No it’s not normally offered

Call and talk to them tomorrow.

Are you looking at your paper reports?

I would call and talk to them. Despite what your OP says I think you already know you were playing on a razor sharp edge paying that late, and you were very close to 30 days late. ETA: it may be because as if 3/1 you owed 2 payments(Feb and March). But I would call and talk to them.

What date does the statement show it was applied? If you pushed it from your bank it may have taken a day or two to get to the mortgage company depending on how they send the funds. I am not saying you are wrong just need full picture.

Do you have proof of your payment?