Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This letter is in response to Wells Fargo Bank XXXX XXXX XXXX XXXX letter of which I received, dated XX/XX/XXXX. 
I have corresponded in writing with Wells Fargo Bank, XXXX XXXX and XXXX XXXX XXXX XXXX for several years about fraud by Wells Fargo Bank, XXXX XXXX pertaining to my account number above, as follows : On XX/XX/XXXX, I received a letter from Wells Fargo Bank, XXXXXXXX XXXX. customer care along with a {$5.00} check. This pertaining to my account XXXX. This check for {$5.00} was mailed to me after many letters over the years being mailed to me by Wells Fargo Bank, XXXX XXXX denying any wrongdoing. By mailing me this check along with this letter is an admission that Wells Fargo Bank, XXXX XXXX has been the one making all the repeated problems over the years. I question how you derived at only {$5.00}? I do know that even though Wells Fargo Bank, XXXX XXXX has denied any wrongdoing and accused me of being the problem, you, Wells Fargo Bank, XXXX XXXX  do eventually fix some of the problems but only repeat the problems again and again. 
Now on XX/XX/XXXX, I received another letter this time with a {$320.00} check. After reading this letter, I found this letter to be very vague. There is no account number or numbers explaining to me what account this pertains to. No dates explaining the exact time or times these frauds have occurred. It only references a mention XXXX. 
1. I need to know what account number or numbers this pertains to.

2. Dates this fraud occurred. How much money was stolen from me?

3. How exactly was this amount of {$320.00} calculated, show me the math in detail? 
Wells Fargo Bank, XXXX XXXX, if you go back into your archives and reread all the letters of complaints, I have written over many years both to Wells Fargo Bank, XXXX XXXX and the XXXX XXXX XXXX XXXX complaining about fraud, mismanagement, and incompetence, thats always in Wells Fargo Bank, XXXX XXXX favor. You, Wells Fargo Bank, XXXX XXXX will see that a {$5.00} check and now a {$320.00} check is not a legitimate reimbursement, actually its a joke! 
I have removed all my accounts, i.e., my checking, my savings and my business account, out of your bank many years ago and have taken Wells Fargo Bank, XXXX XXXX responsibility away so I can hold and maintain my own homes escrow account. Wells Fargo Bank, XXXX XXXX couldnt even manage my escrow to pay my insurance and taxes correctly. Many times, Wells Fargo Bank, XXXX XXXX has accused me of not paying my homeowners insurance when this was at the time Wells Fargo Bank, XXXX XXXX responsibility to pay it when due. Then I have to prove to Wells Fargo Bank, XXXX XXXX that they did actually pay the insurance and on time and that it is in good standing when its Wells Fargo Bank, XXXX XXXX responsibility to manage this. Also, Wells Fargo Bank, XXXX XXXX tells me that I only have so many days to prove the insurance is in good standing before Wells Fargo Bank, XXXX XXXX will force me into their insurance program, which is a much higher cost to me with really bad coverage. This seems like another scam to me for Wells Fargo Bank, XXXX XXXX benefit. This has happened several times before I took over the escrow from Wells Fargo Bank, XXXX XXXX Fortunately, I can move my escrow account and manage it myself, but I can not move my mortgages due to the fact that I would have to pay for new closing cost and most likely end up with a worse interest rate. Also, it will never be a 1st and 2nd mortgage it can only be a refinance. Refinance accounts never offer the best interest rates. 
Wells Fargo Bank, XXXX XXXX, you have stressed me and my family over the years, both by your harassing letters and harassing phone calls accusing me of not having insurance twice, accusing me of not making my mortgage payments XXXX times and applying my payment to the wrong account twice even with the correct coupon right in front of the cashier. By doing this, forcing me to prove that this is the fault of Wells Fargo Bank, XXXX XXXX over again and again. Then you eventually fix the problems but never say sorry, never admit guilt and then Wells Fargo Bank, XXXX XXXX, you continue to keep doing these same problems again and again. 
I dont want a {$5.00} check and a {$320.00} check. I want my FIRST and SECOND mortgage dissolved, satisfied in full by you Wells Fargo Bank, XXXX XXXX, so that I can be rid of you Well Fargo! How many times have you been sued now and always fraud related? Worst bank ever!

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