Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have a complaint against Wells Fargo Home Mortgage, XXXX XXXX XXXX, XXXX XXXX, IA XXXXXXXXThe problems started when I had a returned check for a non Wells Fargo account and my payment did not process. Without any notice, my online access to my Wells Fargo Account and to make Wells Fargo Mortgage payments online were suspended, and removed any access to make online payments. At this time, they also tampering with my Personal Wells Fargo Checking and Savings accounts, they continually change my access and suspend my Transfers page, between my Personal Savings and Checking account and make it inaccessible. 
This problems have been happening for the last four months. The Wells Fargo Customer service people are constantly calling me from phone number XXXX. I made my payment today and I just received the most harassing combative telephone call from this Wells Fargo Customer service number. I informed him I wanted my Wells fargo Online access to make my mortgage payments available. This Wells Fargo Customer Service man informed me that I was on probation. I never knew the banks could re-write your original deed and include that you will be on probation if you bounce a check. Someone needs to clarify this. I re-iterated the importance of having my online access, due to not having transportation to physically go to the bank. I asked if there was someone I could complaint to, and he told me a " No ''. 
Once I do make my Wells Fargo Mortgage payments physically at the bank, this bank delays and does not post the payment until days later, after my numerous calls to post my payment. If I do not make the call to report my payment that I made, they will assign this payment as " unapplied funds ''. 
Wells Fargo Mortgage has made payments more difficult to accomplish. Cash deposited into my Wells Fargo bank account, was available immediately before the due date, however, Wells Fargo refused to accept those funds and would not allow me to transfer them from Cash effective immediately to the Mortgage account. Telephone calls to the Wells Fargo banking department and Mortgage department were unable to do transfers between the bank accounts, due to being blocked by Wells Fargo Mortgage. 
Wells Fargo purposely refused features which allows for easy payments to be made and completed, therefore making the payment process extremely difficult in what I believe is an effort by the bank and Mortgage company to cause problems with payments on the Mortgage. Is there any Banking Authority that oversees these procedures properly. On top of all this, the Bank has charged me all the late fees and other fees, which I have paid. These should have no bearing on the restrictions or " probation '' as WFM calls it. This is a Banking institution right? I bounce a check, an NSF fee is charged, and I pay, and business goes on. Late on making a payment, the bank charges a fees, I pay, and business goes on. But in this case, business did not go on, as it should have with WFM. Is there any help available that oversees this. Do I have any rights?. The Wells Fargo Customer Service man made me feel like I have no rights and no choice and this difficulty probationary times will continue?