Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage. Secondary home mortgage - purchased/date mortgage started - XXXX XXXX - expected date to end XXXX/XXXX/XXXX. 10 year loan - Purchase Price {$470000.00} - loan amount {$150000.00}. Location XXXX XXXX XXXX XXXX XXXX XXXX - 20 acre horse farm - 1,400 sq ft  house/10 stall barn - 5 paddocks fenced with hydrants. Not a foreclosure -- - A Trash Out -- Excessive - aggressive action -- Never escrowed for insurance or real estate taxes. In the ninth year of 10 year note I forgot to pay the real estate taxes that were due XX/XX/XXXX I received a certified letter from assessor 's office to pay by XXXX XXXX, XXXX. I was not upside down on my mortgage/I had not walked away from my property The insurance that I paid was still in force for this location - Wells Fargo received a copy ever year I estimate the loan to value on this property to be 1 % -- owed under {$4000.00} principal value of property over {$400000.00} The XXXX County Assessors office has verified that I usually paid the real estate taxes early to take a discount. The Bills come out in XXXX and are Due by XXXX XXXX. Assessors office did not bill Wells Fargo - yet out of the blue Wells Fargo somehow found out that my real estate taxes were late - I mailed my certified funds to timely to assessor 's office - SO DID WELLS FARGO- Both payments reached the assessor the same day -- XXXX XXXX The assessors office cashed Wells Fargo check and not my bank certified funds check. This was a one time hiccup in my payment of real estate taxes. At the time that this occurred I was early with my XXXX mortgage payment - it was received by Wells Fargo on XXXX XXXX, XXXX -- My XXXX payment was received on XXXX XXXX. SO I was not late or behind or in default -- -- The next tax bill was mailed in XXXX XXXX to be paid by XXXX XXXX, XXXX - XXXX XXXX, XXXX is the same day that my Wells Fargo mortgage was scheduled to be paid off. My monthly payments were typically {$1500.00} -- - Wells Fargo took it upon themselves to PREPAY the real estate taxes in XXXX XXXX The real estate taxes were not due until XXXX XXXX, XXXX they would not have been on the loan after XXXX XXXX when the taxes were due. The principal loan balance in XXXX XXXX, when XXXX XXXX prepaid the real estate taxes was less than {$5000.00} The real estate taxes were over {$6000.00}. - more than the principal owed. I could have put the real estate taxes on a credit card before XXXX XXXX, XXXX if I did not have the funds, but instead Wells Fargo increased my payments and I wrote them letters advising them of their mistake. They never answered. I continued to pay the {$1500.00} Since this is a secondary residence I am not there regularly - but sometime in XXXX Wells Fargo or their vendors changed the lock on my door, entered my house and removed my contents, a XXXX tractor and a XXXX travel Trailer - well over $ 150,000- The XXXX Police responded while I was at my home in XXXX County Pa and TOLD ME they saw the lock/door knob on the floor in my garage and that there was no forced entry. In the numerous conversations I have had with Wells Fargo they refuse to tell me the dates that my home was inspected, the name of the vendors, and what if any work was done by their " preservation team '' They go on on about their financial interest in the property. I remind them that the loan balance was under {$5000.00} I have asked Wells Fargo to process a claim with their insurance carrier to reimburse me for my contents/personal property - they have advised me that they ca n't because I ca n't tell them the date their vendor stole my property - and the reason why I ca n't tell them is because Wells Fargo wo n't tell me the date that their vendor was at my house.changing the locks. I am seeking help in getting Wells Fargo to submit my claim for reimbursement of the contents to their insurance carrier and to disclose the names of the vendors and dates that they entered my home. I would like to hire a private investigator to assist in the recovery of some sentimental items, but I have no leads since Wells Fargo will not disclose who they hired. Thank you for your anticipated assistance with this. Yours truly, XXXX XXXX

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