Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This complaint is based on Wells Fargos recent response dated XX/XX/XXXX. The complaint will include a number of questions which hopefully will be answered in a straight forward way. 

1. In my previous response I included five attachments as follows : Four attachments contain receipts from the XXXX XXXX XXXX of taxes. As a result of these receipts, the terminology that my account was delinquent is discredited. Please refer to my response on XX/XX/XXXX in CFPB complaint # XXXX to Wells Fargos letter of XX/XX/XXXXXXXX XXXX Since the local tax authorities did not issue an increase in taxes during the period in question from XX/XX/XXXX on, the complaint that initiated the foreclosure dated XX/XX/XXXX is also discredited because the foreclosure complaint is dependent on the discredited delinquency. I have attached the tax receipts once again. Please explain where Wells Fargos increase in payments creating the discredited delinquency during the period in question actually came from? I never was informed of the discredited delinquency. Why not? 
Additionally, the fifth attachment is being provided again to Wells Fargo containing the business cards of my personal bankers during the period in question XXXXXXXX XXXX to XXXX, XXXX. As stated previously, my personal bankers never informed me that my account was considered delinquent by Wells Fargo. They never advised me of any delinquency and they continued to accept my payments. They always complimented me on being a valued customer of Wells Fargo. Were my personal bankers being truthful? 

2. There was no communication from Wells Fargo during the period in question with respect to the origin of the discredited delinquency which was subsequently used as a basis for the foreclosure. Why not? 

3. Why did it take eleven years for Wells Fargo to bring up a {$5900.00} dollar issue at this moment in time? I have never been told anything about it by Wells Fargo. It appears to be a fictitious issue, since it is only being mentioned now because of the timing of the recent Consent Order. Please refer to Section 28 of the Consent Order which describes my particular type of problem. Wells Fargo had numerous years to advise me that this was an issue in XXXX. Was somebody forgetful? Also, this XXXX issue was not mentioned in the XX/XX/XXXX foreclosure complaint. Does Wells Fargo dispute this? 

4. In examining the Consent Order, it appears that Wells Fargo is authorized to investigate itself to determine who has been victimized. Why is there no oversight? 

Attachments : Wells Fargo XX/XX/XXXX Page 1 XXXX XXXXXXXX XXXX of Taxes receipts General Tax Receipt XXXX 1st half General Tax Receipt XXXX 2nd half School Tax Receipt XXXXXXXX  1st half School Tax Receipt XXXX  1st half Personal Banker Business cards XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Wells Fargo Bank XXXX XXXX, XXXX CFPB XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation