Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to fail to properly respond to my legitimate complaint about their conflict resolution process. I have asked for the complaint to be escalated and reviewed by their legal department and I have requested information from phone calls that has yet to be provided. They have not properly responded to any of this. They are blatantly trying to abuse this process and are failing to address their inappropriate actions, which I have documented with significant proof ( ACTUAL BILLING STATEMENTS ). I will continue to file complaints until they actually respond, in detail, to the information provded in this complaint. They are not above the law, but they are certainly acting like they are and it is disgusting. Wells Fargo STOLE my XXXX XXXX XXXX payments and used them for inappropriate purposes other than payments and then created a false narrative in order to file a Ficticious Foreclosure Lawsuit. They have provided all sorts of nonsensical information that does not apply to my complaint, of which the details ar enoted below. Wells Fargo is refusing to acknowledge their accountability in the issues I have presented. They have lied and created false scenarios that do not address my complaint. They filed a foreclosure lawsuit against me using false data, false numbers and created a scenario that looked like I was at fault or some sort of dead beat, but it is all lies. Now they are dodging any sort of real response by repeating the same lies. They are creating a paperwork smoke screen that is designed to direct attention away from their fraudulent activities and the filing of a Foreclosure lawsuit based on false data and these lies. The CFPB is not holding them accountable and they are simply lying to get out of doing the right thing. I will continue to file complaints until they actually acknowledge what occurred and correct their mistakes. I have proven that they misappropriated funds that I sent to them and used them for inappropriate activities on my account. They charged me for services that I did not need and then did not refund the money and claimed that I was in default. This is absolutely false and thier own documents, billing statements, prove that I am 100 % correct and they continue to hide the truth by dragging in non-sensical issues like Fannie Mae. This was a simple HELOC that they bought from a 3rd party and not a government supported mortgage. Never was, but they are trying to say it is and ignoring the facts of what they have done to this 100 % XXXX Veteran after I served my country for 30 years.. I have asked them to escalate this to a higher authority and they claim to have no higher authority than these mindless robots who just keep repeating the same lies. I can and have proven, using thier own billing documents, that they misappropriated funds that I sent in to pay the P & I on my loan. I never missed a payment, they simply rerouted my payments to false " entities '' and then wanted more money from me. Regardless, they mis-used funds that I sent to them and created a false deficit and are hiding behind a bunch of data that does not even apply to the situation I want addressed. I would like to hear from their Legal Department and see what they have to say about the mis-appropriation of my funds and the lies the Executive Office is putting forth. The bottom line is that I sent in 100 % of my payments. They used those payments for other that approriate activities. I had Home Owners insurance 100 % of my time with them and I, along with State Farm, have proven this.They took my P & I payments to pay some outrageous totally unnecessary insurance policy claiming that I had no insurance at all. They have most certainly broken the law, in my opinion, with some of this fund redistribution activity and filing a Lawsuit using this false data. I made 100 % of my P & I payments and that is indisputable and easily provable. They have recorded customer service phone calls that I made to them, that back up my allegations and they won't acknowledge or provide the call data. They lied to a District Court to get a Foreclosure Lawsuit filed against me and used false " evidence '' to make it appear that I was in the rears, I was NOT!! I will continue to file CFPB complaints against them until I get some resolution in this matter and I am notifying XXXX XXXX about their illegal activities toward a Highly Decorated 100 % XXXX Veteran of the XXXX XXXX. I want a response from their Legal Department in regard to their activites, including filing a Fraudulent Lawsuit in District Court. I can prove my points to be 100 % accurate using their own billing statements and I can prove they are lying. Wells Fargo is corrupt, in my opinion and experience, and they have been in trouble with the government and legal authorites many times prior to his instance. They pay fines and then go right back to thier past activites. It's time for it to stop!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation