Consumer complaint received 2023-04-02
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After the first complaint I filed, was told to bad Wells Fargos records of our account show that no XXXX  XXXX payments were made. 
I have been able to prove they had been made. Not denying it just sorry but its not enough. Ok, Im dealing with and talking about a company that has been sued and fined 20+ times. Now the Cfpb sends all complaints about Wells Fargo to Wells Fargo! Ive been able to prove the XXXX  XXXX payments, sorry but again there records prove different, Oh they say they only go back 7 years. So Wells Fargo can only go back 7 years and XXXX XXXX only to XXXX. This all changed when XXXX XXXX saw the bubble burst coming and began insulating themselves from any lawsuits in the future, by claiming they were never aware and if they were they were not willing and knowingly involved with Wells Fargo and EZ payments through XXXX XXXX. 
I have said since I filed the original complaint. I know we made the payments and we were not behind. I have said since the beginning, I took my receipts from XXXX XXXX, and I was told that I would have a number wrong or switched. I have those actual wires and on them you can see, the 4 that wasnt wrong, thats what I was being told repeatedly! It started in XXXX when we first bought the house. Its still continuing to this day. 
I didnt send all the papers for Wells Fargo to inform me that we had been late or not making payments. When Im fact we were and had made our payments. The blatant strealing started basically as soon as we signed the contract with Wells Fargo. As you can see we made payments from our bank account that shows up months after the actual date of payments. We were making our regular house payment and literally bring bombarded with final notification, the mortgage statement sending payments to XXXX MD, rhe final notice from North Carolina,! the amount of bills and statements. The XXXX XXXX receipts that started in XXXX showing proof of payments to be told I was off a number. I filed complaints with Wells Fargo as early as XXXX, not knowing that XXXX XXXX and Wells Fargo were just blatantly stealing everything. In XXXX XXXX. I. One month of payments between XXXX XXXX and bank payments! 
We payed and payed. I have never changed what I have said regarding Wells Fargo and their out right criminal actions and activities for so long. Now with the help of the Cfpb, Wells Fargo, XXXX  XXXX, still are robbing consumers. I have proven time and time that all my statements have been true. 
We are asking for XXXX XXXX dollars now since its the 3rd time filing a complaint to be told that oh well you dont have any proof. This proves no matter how or when or what payment process we made, Wells Fargo has continued to refuse to compensate us for now the 22 + years, never denying what Im claiming, because what I have claimed has been true. 
So knowing this and knowing we were and had always been making our house payments, on top of the years and years of double triple billing claiming we never made the payments. 
So we would have never should have been to a loan modification let alone one that raised the principal and extended the payments for another 30 years. The forced bankruptcy, add the health damage to my wife. Knowing she made everyone of the payments only to be told we were past due. In one month XXXX. In XXXX. The mortgage statements are not even right, XXXX shows we never had a loan modification. 
I want XXXX XXXX for the fact I have proven with our first 3 complaints. 
Wells Fargo is still allowed to run a criminal enterprise along with XXXX XXXX and the Cfpb. This is why no consumer can get any type of restitution from years and thousands and thousands of dollars stolen. Stolen by our mortgage company and the payment services they insisted we use due to the easiness they together made for us. 
Now Im retired with limited funds my wife is now XXXX, mainly due to the stress of dealing with Wells Fargo and XXXX XXXX, which in turn caused a XXXX XXXX to take over again due to and still the stress of all this. When I should just get a call as to were to wire our money. 
Wells Fargo claims they can only go back 7 years XXXX XXXX can only go to XXXX. 
Good thing I have XXXX of just illegal and blatant stealing of every payment made, XXXX  XXXX XXXX our bank account, it didnt matter Wells Fargo took them all.

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