Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX