Consumer complaint received 2015-09-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CT)

At first Wells Fargo refused to give advance copy of Hud1 settlement statement until I refused to close without it. 
They offered to have the seller close separately. They then charged me an additional fee for a dual closing when they never mentioned there would be an extra fee. 
At the closing, the closing agent they chose could not provide me with copies of anything we were signing. 
Wells Fargo has said it the closing agent 's responsibility to send me copies. Last month, they finally agreed to send me copies but that was 4 weeks ago and I still do not have a copy of a single document that I signed. 
The deal with the seller was that any payments they made would be applied to the mortgage until closing. The seller was paying every two weeks and there was a suspense balance. I confirmed in writing with Wells Fargo that the half of month 's payment that was in the suspense fund at closing would be credited towards the XXXX XXXX payment and I would need to pay the other half of the balance due. Wells Fargo contacted the seller two weeks after the closing and told him the money belonged to him because it was a pre-payment for XXXX and we closed in the middle of XXXX. They offered to send the seller ( and the seller accepted ) the balance from the suspense fund which was {$1000.00}. This contradicted the deal I had with the seller and what I agreed to in writing with Wells Fargo. I am now out {$1000.00}. 
When The XXXX payment was short due to the refund of the suspense fund, Wells Fargo charged me a late fee. I tried explaining to the customer service people that it was their fault and they should waive the late fee but the very rudely told me they would not waive it. I paid the short fall created from them refunding the suspense balance to the seller but refused to pay the late fee. After weeks of complaining to the assumptions department, the late fee was mysteriously paid by someone other than me. It still shows I was late and says I paid the late fee, but I never paid it. 
I was told incorrectly that I would receive payment coupons at closing for the first two months. I had to repeatedly ask Wells Fargo for the payment coupons and payment address, which they could only send in an encrypted file that I could not open. After numerous requests, I got a payment coupon via e-mail after the due date. So it cost me {$20.00} to overnight my first payment so it would arrive before the end of the 15 day grace period. 
For two months post-closing, customer service refused to talk to me because they erroneously still listed the seller social as mine. When I explained to them that they still were asking for the previous owner 's social security number and that they needed to update their records, they suggested I call the seller and ask them for the last XXXX digits of their social security number and then call Wells Fargo back. Crazy! It was n't until I complained again to the assumptions department that they corrected it. 
Despite me being very clear that I would not be living at the property and giving Wells Fargo my home address for all correspondence, they sent the first statement and a refund check for an escrow overage to the address of the loan property. Despite Wells Fargo 's promises that a new check would be over a month ago, it has never arrived. 
Three weeks ago I received a tax bill from the XXXX of XXXX showing the previous owner as the owner of the property. We closed in XXXX and according to the XXXX of XXXX, this property does not belong to us. Wells Fargo and charged us to properly file and record the deed. I sent Wells Fargo an e-mail about this on XXXX and no one ever responded to my inquiry