Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Potential clues Wells Fargo 1. {$370.00} + {$230.00} refunds.from XXXX = {$600.00} 2. {$1000.00} escrow balance, {$1000.00} unapplied {$18.00} fee returned 3. {$440.00}, {$560.00}, {$520.00}, {$900.00} retuned {$530.00} paid twice {$800.00} not accepted 4. IRS market value {$62000.00} balance {$53000.00} 5. Stay of Relief value {$78000.00} 6. XXXX XXXX insurance value {$150000.00} 7. {$3900.00} cash out was made to commerce Bank. 
8. {$41000.00} payoff + {$9300.00} to XXXX 9. Never had a second mortgage XXXX purchase. {$10000.00} Cash {$48000.00} rehabilitation loan 11. {$47000.00} XXXX stream line refinance in XXXX {$43000.00} 12. XXXX taxes {$370.00} insurance {$590.00}. XXXX T & I {$1100.00} + {$820.00} ( we protested XXXX insurance of {$1000.00} reduced + {$110.00} refunded to Wells Fargo - {$370.00} refunded to WF after foreclosure I believe the balance included escrow payment to another property. To which I made separate payments to another servicer. 
I want CFPB to investigate {$18000.00} ( + {$140000.00} total paid to XXXX on both properties. We were offered a modification after 3 returned payments a foreclosure date. 
Request for a longer term ( to reduce the higher payments ) was denied hours before they foreclosed. I believe -especially with payments to the other property that this loan was paid - in full I believe money paid to commerce was the escrow at refinance I believe this amount was included ( or from ) the amount already added into the first mortgage on my house I believe that a credit card from XXXX XXXX XXXX ( {$11000.00} limit {$8000.00} balance ) was the escrow. A credit line increase to {$12000.00} in XXXX was the equity This would mean {$24000.00}. I paid {$24000.00} to XXXX on the other property. 
The balance of the other property was {$15000.00} in XXXX Payments made to the duplex between XXXX and XXXX were {$15000.00}. I think there is a servicing error and it cost me my duplex I had owned since XXXX. 
1 year after foreclosure there was a {$91000.00} mortgage on XXXX XXXX -the duplex I believe this was how much I had paid to principal and interest {$53000.00} would be taxes and insurance on the XXXX property 12. Total payments due on Wells Fargo loan {$29000.00}. ( {$54000.00} paid to XXXX refinance ) there is something drastically wrong. And I believe i just paid it again in my loan modification on my house to XXXX. I would like CFPB to investigate and provide me with results - Duplex is XXXX XXXX XXXX XXXX Wells Fargo ( modification denied by XXXX ) - other property XXXX XXXX XXXX XXXX ( i did not own ) servicer XXXX XXXX - house XXXX forestpark XXXX XXXX XXXX XXXX XXXX and just transferred to XXXX There is much more that can be found in the -probably XXXX 's of - complaints And documents I have filed 13. A subordination agreement filed by XXXX is linked to the duplex for a lien on my house-? 
14. XXXX reported {$80000.00} as extinguished but was never removed from balance 15. Were {$5000.00} HAMP incentives applied 16. Did they count the payments to the first trial. 
There seems to be at least {$230000.00} missing {$120000.00} I never owed and {$300000.00} equity I should have

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