Consumer complaint received 2016-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case # XXXX. I wish to give an example of how Wells Fargo lies and also to serve as an example to Wells Fargo if this case needs to go to Federal Court what it is they can expect. On the envelope I received from Wells Fargo on XXXX/XXXX/XXXX there is a section investigated by XXXX XXXX, in which she gives a conclusion of the investigation on the matter. First I quote from page XXXX. " On XXXX XXXX, XXXX you authorized a phone payment to draft on XXXX XXXX, XXXX, in the amount of {$810.00} which was applied to the XXXX XXXX payment. Upon completion of the phone payment, you were provided with the confirmation number of XXXX. 

This payment was returned not honored by your financial institution and was reversed from the mortgage loan on XXXX XXXX, XXXX, causing your loan to be due for the XXXX XXXX, XXXX payment. A confirmation number is provided when a payment by phone is completed however it does not guarantee funds from your financial institution. As of the date of this letter, your loan is due for the XXXX XXXX, XXXX, payment in the amount of {$810.00}. '' I asked for this to be investigated as Wells Fargo destroyed things with their lies. 

Wells Fargo was proud of its thorough investigation. But now I will give the truth of the Matter. You will see a difference on the truth vs the lies. 
I have a statement dated XXXX/XXXX/XXXX. I paid XXXX to catch up to my mortgage. In that statement the payment for XXXX/XXXX/XXXX was included. I did not notice that at first until Wells Fargo informed me of it. When I received my XXXX/XXXX/XXXX billing statement I sent the payment of {$810.00}. Which means I paid the XXXX/XXXX/XXXX payment XXXX. It was not I who called Wells Fargo on XXXX/XXXX/XXXX, it was Wells Fargo who called me. I was told that because of the over payment I made I did not owe for the month of XXXX/XXXX/XXXX and because I had also overpaid almost XXXX my payment for XXXX would be less. I was given a confirmation number in which Wells Fargo in XXXX of their tricks changed the information on it. I had asked my son XXXX XXXX XXXX to talk to Wells Fargo to see if I understood them correctly, that I owed no payment for XXXX XXXX and only a partial payment for XXXX XXXX. The information was confirmed. As for for their lie that I gave approval for a payment to be withdrawn from my account. I was previously told that no automatic payments could be taken from my account as the filing of the Bankruptcy " killed it ''. I was told I could redo the electronic debit for my payments at a later date. Wells Fargo went ahead and tried to take the payment that was already paid out of my Checking account XXXX different times. This caused me to be overdrawn on my account twice and I was charged over the limit fee. I have proof of the double payment I made, one is the statement sent by Wells Fargo and the other is the payment I paid by Check for the same month of XXXX. Wells Fargo refuses to accept that I paid double for XXXX/XXXX/XXXX. Wells Fargo owes me {$810.00} plus the late fees they charged and the interest I paid. Let these facts be proof of their lies. The proof of their other lies will be told to a future attorney. Wells Fargo, your lies with us are over!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation