Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX. phone number XXXX. I have a current mortgage loan with Wells Fargo Home Loans account number XXXX. I have been trying to fix multiple issues with my mortgage loan. 1. Issue is XX/XX/XXXX, I refinanced my home at XXXX XXXX XXXX, XXXX XXXX TX XXXX which my escrow account number was at the time XXXX before they transferred my escrow funds into the new account escrow number XXXX which was for XX/XX/XXXX the balance was {$2500.00} that was transferred into XXXX. XX/XX/XXXX I decided to sell my home at XXXX XXXX after speaking to a Wells Fargo rep they told me no money down. Wells Fargo never transferred my funds from escrow XXXX to my new home XXXX XXXX XXXX, XXXX, TX new account # escrow XXXX for the taxes they paid the taxes on the wrong home XX/XX/XXXX. Wells Fargo was informed due to pending sale do not pay the taxes on XX/XX/XXXX for XX/XX/XXXX taxes on XXXX XXXX from the current owner 's escrow which Wells Fargo did. I called and confirm this information with XXXX County, XXXX Tax Office and XXXX XXXX. The new home owner closed on XXXX XXXX XXXX and received her keys on XX/XX/XXXX. I moved into XXXX XXXX XXXX, XXXX, TX XXXX I paid taxes on both homes .. I did not reside in XXXX XXXX XX/XX/XXXX. I am due a refund for taxes paid to XXXX County, XXXX, and XXXX XXXX from my escrow account which was paid from my escrow account on XX/XX/XXXX paid to these businesses. Wells Fargo is giving me the run around even though I sent them proof of my escrow history and XXXX County, XXXX and XXXX XXXX state that it was Wells Fargo mistake they have to fix it. Please help. 2. Wells Fargo and I have been going back and forward with my PMI the Mitigation Specialist identified that my mortgage insurance was to high for my mortgage but she was given the run around and I was sent to various departments and this never got resolved. Wells Fargo sent me a letter stating that I maybe due a refund due to PMI being high. This was never resolved. 3. I lost my job due to workload reduction, XX/XX/XXXX I was making {$90000.00} when I purchased the home at XXXX XXXX, XXXX, TX. I have been since employed but my debt to income ratio is clearly high and my credit is poor now and I fall back on my mortgage. Also, my mortgage went from {$1000.00} to {$1500.00} in less than one year after purchase. They are telling me I owe them money. I sold my old home for {$100000.00} and I only owed $ XXXX {$85000.00} somewhere around that and I put money down on my new home about {$6000.00} plus what ever from the sale of XXXX XXXX . There was a {$4000.00} fee I questioned the title company do n't know what it was for and Wells Fargo do n't know. My agent passed away XX/XX/XXXX. I am in a forbearance and I do not want to loose my home. I work hard and I was in my last home 5 years and never missed one payment. I believe I was a victim of some type of scheme or someone not knowing what they were doing. Why do I owe so much. No one can answer my question and they say they are researching and come back with the same answer that is a note from a previous note someone else placed into your file. Please help. I want to keep my home.