Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX I have the instructions on how to make a Wells Fargo payment using XXXX  XXXX quick collect forms. 
XXXX by XXXX Wells Fargo was offering a loan modification. The dates on the photocopied loan modification dates are not matching the actual loan modification we received from Wells Fargo. At this point I dont believe Wells Fargo knew how much or what we actually owed. In the official Wells Fargo loan modification statement the first new payment from the modification was due XX/XX/XXXX. Oh they have the original payment amount incorrect as well. Our original payment was XXXX. 3 months into the mortgage payments, the payment goes and fluctuates XXXX and different amount due almost monthly. How can Wells Fargo home mortgage, in XXXX couldnt find or put the original payment amount? It all stems from the email XXXX. The XX/XX/XXXX statement reflected the loan modification then. Fast forward to XXXX the mortgage statements that shows payment due, and it also has the original amount owed before the loan modification. We owed XXXX. Before loan modification. We were not behind or late, even though Wells Fargo wants to say we were. The illegal activity and company wide knowledge of said fraudulent activity statements payment amounts. 
Remember every complaint I have filed we have been told Wells Fargo can only go back 7 years. We have it in writing. Now all of the sudden they send me copies of payments received. The payment amounts alone they say they have make no match to actual payments or statements with payments accepted, bank statements dont match what Wells Fargo says. 
I honestly think they took the dates and payments i have sent in as proof and made up the photocopied loan modification. How else can they explain the Wells Fargo home mortgage statements amounts and random charges and the accidental death insurance payment of XXXX only on the mortgage statements coming from XXXX MD? 
How do mortgage statements in XXXX still show amount owed as the amount prior to the loan modification? How can they send monthly statements dated the same as the payment received on the same statement same date? How can Wells Fargo explain the multiple statements for one month? Neither statements matching, foreclosure notices coming every 2-3 weeks no matter how much we have paid. 
The fact that the photocopied loan modification paperwork and the original loan modification statements are not at all matching. We made 3 payments in XX/XX/XXXX. The amount of paperwork received daily from Wells Fargo was one reason they were and have been able keep consumers completely confused. The paperwork I have is literally just a couple months and a few years of evidence. Wells Fargo is and had done more financial damage to the American consumers and families than any major bank, Ponzi scheme ever. The millions of people who have lost everything, due to Wells Fargo and their illegal and corrupt fraudulent practices for 20 plus years. 
Everything I have sent shows the illegal actions by Wells Fargo. It also shows how Wells Fargo has broken so many laws with our loan up to XXXX. With all the illegal activity I have been able to establish. It proves that not only were we the victims of their preditory loans. We have been victimized yearly since the illegal closing. That and the fines they have received for not sending escrow info timely payments that wen to XXXX! We were forced into a bankruptcy that should have never been. I have established more than a pattern and fluke. Everything done to us from XXXX makes anything after XXXX null and void. We didnt miss payments. Wells Fargo manipulated records and they continue to manipulate payments records. I dont understand how Wells Fargo is allowed to be or so any business involving money. We havent changed anything from the first complaint. We have been doing more investigations into Wells Fargos fines and guilt over a 20 plus time span.

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