Consumer complaint received 2023-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I purchased a town home XXXX XXXX, thru XXXX XXXX 
My Morgtage was sold I believe XX/XX/XXXX to WELLSFARGO, I had made my 1st payment on XX/XX/XXXX, I had never been credited to my account.. 
My monthly payment was locked at {$480.00}.??, several month had gone by I received a notice of payment increase, saying my escrow was short... 
After I looked into this I realized on XX/XX/XXXX XXXX, {$1000.00} was removed from my escrow, when I questioned about this, I was told it never was taken nor was it in my account, after several calls it was affirmed the XXXX was withdrawn from my escrow, Wells. Tried telling me it never existed, then said it was pd to properly taxes, when informed I had pd all taxes at closing for the full yr. Of XXXX, then they said it was part of my closing cost, when I informed them I PD all my closing cost up front they called me a liar, telling me I did no such thing!! Very loud an rudely!!! I then informed the lady I have receipts for cashier checks to prove it, an 2 I never closed with this bank, U had purchased my mortage after the fact from another bank.. 
Then told they would look into an call me back, they never called I had called them over 20+ TIMES to deal with this, the last time I spoke to them, they told me it pd taxes, I told them I wanted proof of this and copys of all payments made out from my escrow sent by mail asap. They never sent, they were charging me for over 10 month for escrow shortage almost {$150.00} a month, when they told me I was short only XXXX, when I called to ask y they are still over charging me, when they took way more then XXXX... They said they'd look into this, they finally removed this and dropped payment sown to XXXX?? Monthly still XXXX more then locked payment, on my purchase agreement I had to have a XXXX policy I had pd for a full yr at closing, which then cost XXXX a month to American family, I had learned yrs later they had not ever pd 1 payment my insurance was no longer valid Due to nonpayment. 
And at some point around XXXX it was XXXX into XXXX, I wanted my HUD insurance removed, my home was worth more then {$120000.00}, I only owed aprox. {$60000.00}. And I had never been late nor missed a payment, that month XXXX am XXXX both my payments had been received, but then both had been returned, an I was never informed of this at all.. 
When I realized what they did, to make me disqualify to remove HUD insurance for missed payments, I asked XXXX they returned my payments and no one ever could find out why, it was received, an they returned them both month.. I no they did this so I no longer qualified to have HUD ins. Removed.. An now home value tax value is over {$180000.00} and still never missed a payment owe less then {$50000.00}. 
They even charged me return fee on payments an late fees on my payments, one worker tried to remove the fees only for someone to put fees back on... 
Every time they charge me for escrow shortage they collect the amount plus way more, and I never get refunded my full over payment then, they have claimed they refunded money to me, but never sent payment to me, nor added to my account.. An refuse to send me actual proof shown the actual proof, and account figures, when asked over and over... 
They charge me every yr, for shortages, every yr. They collect way more then what they claim short an have not pd me back a penny in yrs.. Nor have they removed HUD ins. Nor gave me back my XXXX they claim pd closing cost, then said taxes, then claimed never had XXXX in escrow, had to prove it was there, and still have never put it back nor refunded me, and the XXXX they claim wasn't for my ins. Has never been pd back to me, nor does it show that amount anywhere.. House payment has never been 487 monthly since they got my account. 
They still owe my for them over charging for shortages, an still owe my XXXX they took out of escrow 2 month after I closed on my home, and all money pd to HUD ins. I legally could have removed from my account, their fault i was late on XXXX an XX/XX/XXXX or XXXX, payments, due to them returning payment, now they refuse to report my payment history say due to bankruptcy I filed, but they were sent paperwork from attorney stating they were not PART of the bankruptcy attorney sent them all they needed to have, and they still claim they can't report my payment history, an I still never missed 1 payment.. 
I'm XXXX, on SSI, and can't afford attorneys to go after them to retrieve all they've taken from me..