Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has charged me for attorney fees and filing fees due to being late on my mortgage, however there was no need for an attorney. Wells Fargo says that they paid attorney fees in the amount of {$2000.00} and I have requested an explanation and proof that of these charges. After approximately 4 months from the initial request for more information, I was sent a letter stating they reviewed the information and the charges are correct. They did not provided receipts to show that anything was filed against me as they claimed in XXXX Parish ; etc. They will not take the charges off of my account. 

First let me explain a little history. I became delinquent on my mortgage because of a reduction of hours at work. I contacted Wells Fargo in XX/XX/XXXX. Supposedly the " foreclosure process '' had begun however I paid the account in full on XX/XX/XXXX to XXXX XXXX XXXX ( attorney ) including the proposed attorney fees. Wells Fargo would not receive my payment and I had to pay the attorney directly since they had my file. My mortgage statement the following month stated my account has been reinstated. I was even credited for attorney fees that were paid but not used. See attached supporting document PDF XX/XX/XXXX. 

Unfortunately I found myself in the same predicament a year later in XX/XX/XXXX. I was again behind and I called to see what was the exact amount I owed to catch up and I spoke with a representative who told me my account had not yet been sent to collection and she gave me an EXACT amount to pay to get the loan current. I told her the exact date I would be sending the payment, she noted the account and said to call the day I send the payment to be sure the quote was correct. I did call and confirm the amount to send and sent them a Certified Check from my bank account for the amount that was required. There was never a mention of attorney fees or any additional fees to be charged to my account. The amount I was sending would bring my account current. 

In the past, when the account is sent to the attorney, XXXX XXXX ( the attorney ) will send a letter and you MUST pay the attorney directly. You can not submit the payment to Wells Fargo. I paid Wells Fargo directly in XX/XX/XXXX. My XX/XX/XXXX mortgage statement has this printed " AS OF THE DATE OF THIS STATEMENT, WELLS FARGO HAS NOT MADE THE FIRST NOTICE OR FILING REQUIRED BY APPLICABLE LAW FOR THE FOR THE FORECLOSURE PROCESS. '' The account was paid in full on XX/XX/XXXX. The attorney fees do not show up until the XX/XX/XXXX statement and no one can tell me exactly what these charges are for and show proof of payment. Please see PDF supporting documents XX/XX/XXXX and XX/XX/XXXX respectively. 

I have checked XXXX Parish Courthouse records and no filings have been initiated or recalled against me since XX/XX/XXXX. 

There was not any contact with an attorney regarding the delinquency in XX/XX/XXXX. Therefore, how can I be charged for services?

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