Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX Filed on : XXXX XXXX XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed against : Wells Fargo Home Mortgage XXXX XXXX - 1 Home Campus XXXX XXXX XXXX XXXX Complaint Description : Tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month, all to no avail. I have tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month ; The orgional contract date was on the XXXX of the month, but Wells Fargo mortgage dept took it upon themselves to change it to the XXXX of the month so that they could generate late fees & make more profit ; I have a VA mortgage & Wells Fargo is well aware of that fact, however the charge me late fees starting on the XXXX or XXXX of each month denying me a grace period per VA rules/regulations ; Wells Fargo uses every trick in the book to generate extra fees & /or profits ; Wells Fargo reps just told minutes ago that changing my due date is impossible because their policy does not allow it ; Their arrogance s breathtaking for they show no consideration what-so-ever for gov't laws or to customers ; I request for a senior manager or one of their VP 's to contact me ASAP, but my request was denied ( no surprise there ) ; I have refinanced my mortgage twice to get away from this company, but they always buy the loan from the company I refinance with & I get stuck with them again ; On XX/XX/XXXX, I applied for their credit card so that I could link a possible overdraft to the credit card : I was turned down due to my previous complaints to regulators in retaliation ; My credit score was in the top XXXX % to XXXX % ; My score was around XXXX out of XXXX ; Wells Fargo illegally pulled a credit report on my wife and she was not even there and no-one gave them permission ; In XX/XX/XXXX I was given a check an insurance settlement check for XXXX made out to both Wells Fargo & myself ; Wells Fargo kept the funds from me and held the funds in escrow for 24 months at zero-percent % : wells fargo made much money off the insurance settlement money that was given to myself ( the homeowner ) to repair my home from damage ; wells fargo makes XXXX in profits using the insurance settlement for XXXX yr, XXXX yr or more & lends it out making a killing all the while the homeowner has to take money out of retirement to fix the home while wells fargo uses their $ ; this happens to tens of thousands of homeowners across USA & the funds is held hostage by wells fargo at zero percent interest ; this is a criminal organization!!!! 

Your Desired Resolution : I am filing complaints with the atty general 's office, the federal controller of the currency office, the federal consumer protection bureau..there is little difference between a XXXX loan-sharking operation and " this criminal enterprise '' run by the white collar criminals in the Wells Fargo mortgage dept.

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