Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX XXXX I went to the bank to make my house payment of XXXX like I always did, the bank would not take my payment they said I owed Escrow and wanted XXXX. The bank said I owed escrow I never ever owed escrow they just added it on I got the house in XXXX XXXX never missed a payment NEVER all at once after 16 years they say I owe escrow I NEVER OWED ESCROW IN ALL THE YEARS I HAVE HAD THE HOUSE NOW FOR 21 YEARS THIS MISTAKE HAS BEEN GOING ON FOR OVER 5 YEARS. THIS IS HOW IT ALL STARTED BY THE TIME I SHOWED THEM PROOF IN BLACK / WHTE THAT I HAD ALWAYS PAID INSURANCE AND TAXES THAT I DID NOT OWE ESCROW THEY STARTED FORECLOSURE. NO ONE WILL LISTEN, I TRY TO GO TO THE TV CALLED TV STATIONS NO ONE WILL LISTEN BECAUSE I GOT A LAWYER, AS SOON AS YOU SAY LAWYER NO ONE WANTS TO HELP ALL HE IS DOING IS JUST TAKING MY MONEY, I AM BEING RAILROADER AND PUSHED UNDER BUS. I COULD ALWAYS PAY MY HOUSE PAYMENT THE BANK WOULD NOT TAKE MY PAYMENT THEY SAID I OWED ESCROW WHEN I DID NOT. NOW THIS HAS WENT ON FOR 5 YEARS AND STILL I HAVE GOT NO HELP. I GOT A LAWYER HE HAS DID NOTHING JUST TAKING MY MONEY. I CAN PAY MY HOUSE PAYMENTS LIKE ALWAYS DID BUT WITH THE ESCROW THEY ADDED MADE MY PAYMENTS MORE THAN TWICE THE AMOUNT THAT I PAID FOR YEARS CAN YOU HELP I JUST SEEN ON TV LAST NIGHT WHERE THE Attorney General is trying to help. CAN SOMEONE HELP ME. 
There is a lot more to my story. When this first happened I went to the bank XXXX. 
and XXXX times a month for 3 months and talked to the manager and Ass. Managerthey all know the story, they try to help but the main bank in another statewould not help or did not understand we could not get the same person on thephone when we called it was the same story over and over the bank here seen allmy paper work they knew I was in the right BUT WE COULD NOT GET ANY PERSON TO UNDERSTAND THEY WOULD JUST SEND US TO SOMEONE ELSE THAT WOULD SEND US BACK TO SOMEONE ELSE OVER AND OVER WE WENT UNTIL I DID PROVE I DID NOT OWN ESCROW BY THAT TIME I OWED 3 MONTHS BACK HOUSE PAYMENTS SENT THE BANK THE PAYMENTS THEY SENT IT BACK TO ME SAYING IT WAS TO LATE THE BANK STARTED FORECLOSURE. THAT WAS IN XXXX XXXX. BUT THEY DID NOT START FORECLOSURE UNTIL XXXX. I PAID THE TAX AND INSURANCE MYSELF FROM XXXX UNTIL XXXX AND STILL EVEN NOW THEY FILED FORECLOSURE I STILL PAID TAX AND INSURANCE NOW FOR 20 YEARS. HELP XXXX XXXX XXXX XXXX XXXX. I will be XXXX years old HELP ME WILL SOMEONE LISTEN. I DO NOT KNOW WHO TO TURN TO I JUST WANT SOMEONE TO LISTEN TO ME. This started over five years ago a foreclosure. I never missed a payment for 16 years until the bank would not take my payment saying I owed twice as much as I did. I went to the bank to make my payment like always. That is when it all started the bank would not take my payment I had been making for years which was {$460.00} the bank would not take it I went into the bank they said my payment was close to XXXX they had added escrow on my payment which I never ever had. I GOT MY HOUSE IN XXXX never had escrow so when they doubled my payment AND ADDED ESCROW I did not have that kind of money. I tried to work with the bank they tried to help but the bank in another state would no help after three months of getting no place the bank filed a foreclosure on me. It has been over five years, I got a lawyer back in XXXX and still paying him now paid XXXX still going throw this bank now trying do loan modification, making me jump throw hoops giving me escrow I never had I paid my own insurance and Land tax all these years now the bank paid over me THIS YEAR my checks was sent back to me THE INSURANCE SENT MY CHECK BACK AND THE TAX SENT MY CHECK BACK BECAUSE BANK PAID THE INS. AND TAX AFTER 20 YEARS OF ME PAYING THE BANK JUST TOOK IT OUT FROM UNDER ME. So on it goes UNTIL THEY GET MY HOUSE. I HAVE MONEY FOR BOTH. INS AND TAXES, HELP HELP PLEASE