Consumer complaint received 2018-07-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I wrote about the Wells Fargo Scam where they are charging me late fees without itemizing or explaining the origins of the late fees. As of XX/XX/XXXX they sent me a letter saying that if I paid a certain amount they would bring my account up to current and stop taking my monthly payments and using it to pay off fake late fees. 
Heres how we got to that point. 
After many complaints, to Wells Fargo to which I got poor responses, I was advised by counsel to ask for a Customer activity report which would show the origin of the late fees, how much the charges and the quantity of charges. Counsel also advised me that I could then see whether the late fees were accurate or not. I had asked this very basic information from Wells on more than one occasion but they have been very evasive and unclear about where the charges originated. Every time I enquired through the CFPB, they would say we need more time to do research, time they used to generate additional late fees. 
A customer activity report takes about 2 minutes to print out. 
Wells then would delay providing information for months at a time, then when they did respond they would provide heavy volumes of unrelated information. One customer activity report is 1 or 2 pages. 
In XX/XX/XXXX they sent a consumer activity ( attachment A ) document saying that the total in late fees was {$270.00} but the total amount but the report only accounted for 4 charges @ {$34.00} ( 4xXXXX   =XXXX ). 
So I asked them about the fake math, since they could only show XXXX in late fees but was billing me for XXXX. They then said they needed to do more research, and months later they added on more fees for the time it took for them to change the false information they presented me in XX/XX/XXXX. 
Wells Fargo has communicated with me in dishonesty and nothing short of racketeering by giving me random unsubstantiated numbers. This is certainly not professional banking and they manipulated the data, hid facts and perpetrated as if they needed more time to do research, data that any other banking company would provide in a matter of minutes. Wells Fargo used this time delay t practice to generate late fee revenue. 
Not that their dishonesty has gotten better. 
In a letter addressed to me on XX/XX/XXXX Wells said that although I was making payments in full and on or before the XX/XX/XXXX of each month, they were manufacturing late fees and therefore any payments I made within the time frame would be late and they would take money out of it to pay their late fee hustle, creating a shortage on the most recent payment and making me late. They went further to say that if I paid ( what amounted to me as extortion money ) {$580.00} and make the payment along with the next months mortgage, on or before the XX/XX/XXXX of next month I would be made current and the extortion would stop. So I sent them the money electronically, they received a payment of {$580.00} received on XX/XX/XXXX and another electronic payment of $ XXXXreceived on XX/XX/XXXX. Both payments on or before the XX/XX/XXXX of the month, yet they still sent a monthly billing statement with fees and withdrawals from my monthly payment. 
Its very close to impossible to get honesty and professional service from this bank. I cant understand why the government allows institutions like this to become too big to fail. Clearly they use their liberty as a clock of malice.

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