Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Back at XXXX time XXXX they really abused me after my insurance company cancelled my policy after I filed a claim. 

There were crimes here in XXXX, XXXX XXXX was not disclosed. 

There was also an attempt to steal finances from me in the closing. 

I knew I had a VA LOAN No money down, but they were demanding a check. 

I waited it out, & they paid me money instead! 

Because of this I was afraid that my insurance policy could be bogus. 

Since I was XXXX  after the XXXX XXXX XXXX my husband, and they knew it they took advantage of me. 

I was afraid that would I be committing a crime to file a claim?? 

I emailed the agent XXXX XXXX who hunted the policy for me, who sold it to me. 

They refused the claim, denied the claim, and sent me a very strange demand letter which is one of the pages in the AEGIS document attached. 
Demanding enormous amount of repairs be made or cancellation. 

Look they say " Fix saggy porch '' instead of replace the broken hanging floor joist. 

Look at the short time. 

So after cancellation, Wells FARGO started really abusing me forcing their insurance on me. 

Nasty yelling at me, saying they were going to make me pay for their insurance and it would only cover them not me. 

I think they charged me for that they might still be even though I was able to purchase my XXXX XXXX policy in XX/XX/XXXX. 

I was able to pay cash over the phone in full, they sent proof of paid insurance to Wells Fargo. 

Only my taxes were in the escrow. 

Then in XXXX I became TAX EXEMPT because my husband was fully XXXX % XXXX because of his XXXX XXXX XXXX and died of XXXX XXXX! 

When my policy went up to {$3200.00} for the year XXXX, and I received my letter about it in XXXX from XXXX XXXX in XXXX, they had already been paid by Wells Fargo! 

I was not given the chance to pay them directly again. 

I thought sure the TAX EXEMPT STATUS would cancel out the rise in the insurance. 

My new payment XXXX or XXXX that year was hard to pay! 

And Look at why! Escrow amount {$440.00}. 

{$440.00} X 12 Months = XXXX But the XXXX XXXX Insurance Policy Pay OUT was only {$3200.00} Remember I am TAX EXEMPT STARTING XX/XX/XXXX. 

Comparing my escrow amounts from different months and years you can see that they routinely doing something dishonest through the entire 4+ years they have held my mortgage. 

Notice on the XX/XX/XXXX statement the escrow amount of {$240.00} this included high Mississippi XXXX County Taxes. 

I had to pay taxes for the first two ( 2 ) years. TAX EXEMPT starting the Third year for life as long as I never remarry. 

Examine XX/XX/XXXX ESCROW DISCLOSURE STATEMENT & see that my TAXES they paid, there are two charges of only {$210.00} then the second {$290.00} this is because the bill it per parcel. 

But look at the strange dramatic projected amounts, and they have been saying they project what will be the next year and charge for it, to have it before the start of the year. 

I've talked with other mortgage lenders and I've been told that they do not do this collect extra. 


But I have also been told by consumers their mortgage lender sometimes took too much, but they always sent them a check. 

This has never happened. 

I've not received refunds. 

They are stealing. 

I called XXXX today, they say for a month now at least their phones busier than ever before, Veterans with WELLS FARGO VA MORTGAGES calling hysterical about similar Wells Fargo problems. 

So in many places in our country XXXX taking calls of Wells Fargo customers ... it has been hard for them to keep up with number of frantic veterans afraid of losing their homes. 

The same thing happened in XXXX as now in XXXX ... .the full life of Wells Fargo Mortgage .

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