Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company ( Wells Fargo ) responses are total XXXX!! They are not addressing the issues of their mismanagement of my account. There are 2 significant errors that lead to this entire situation and they are 100 % rsponsible for those errors, MISAPPROPRIATION OF MY PROPERLY SUBMITTED P & I FUNDS and A FRAUDULENTLY SUBMITTED COURT FILING. 1 ) They redirected one of the payments I made for the monthly P & I to a third party company who had no business or rights to receive those funds. This created a situation where every payment I made after that transaction was " late '' and they charged me late fees for it for 3 years, while I disputed the transaction. That payment was NOT DUE to the 3rd party becasue they did NOT OWN the property during this time and my funds were illegally sent to them. Wells Fargo redirected my timely payment from XX/XX/XXXX. The payment was alledgedly owed for XX/XX/XXXX, but the 3rd party transferred ownership to Wells Fargo on XX/XX/XXXX, so they clearly did not own the property nor have any right to any sort of payment. There is a purchase contract that proves this as well as Wells Fargo 's Billing statement from XX/XX/XXXX that also confirms the ownership transfer. Wells Fargo misappropriated my properly submitted P & I funds to a Non-Associated 3rd party wihich, in my humble opinion, is THEFT. 2 ) Wells Fargo began charging me for a FORCED Home Owners Insurance Policy in XX/XX/XXXX. This was 100 % UNNECESSARY, as I had full and complete coverage with XXXX XXXX XXXX XXXX for 100 % of the time in question. I proved this to Wells Fargo with the assistance of XXXX XXXX and there is NO DOUBT that I was properly insured for the time period in question. I have emails from Wells Fargo CONFIRMING my XXXX XXXX insurance, but Wells Fargo inappropriately used this false billing to " manufacture '' some sort of billing shortage, as they took my monthly P & I payments, which I made 100 % ON TIME, and paid this bogus and totally unnecessary forced insurance policy premiums for 9 months. These 2 noted factors are 100 % accurate and easily provable using Wells Fargo 's own billing statements. I have pointed this out to them numerous times and they refuse to acknowledge the truth. Their Office of Executive Management, who is reviewing all this, is either corruprt or just plain stupid. Anyone with 1 oz. of common sense can see that they are 100 % wrong in these 2 key issues. 3 ) This is probably the most aggregious action that Wells Fargo has taken. They used these 2 totally false scenarios, noted above, to file a FALSE FORECLOSURE on my property. The " evidence '' they have submitted to the 53rd District Court for this foreclosure is 100 % false and a complete and total fabrication of the actual facts. THIS IS A FRAUDULENT LAWSUIT/FORECLOSURE!! They have blocked me from making payments during this process and created an actual arears situation, which I have tried to resolve with their Home Preservation team, but they are extremely uncooperative. I am a 100 % XXXX Veteran and I swear on my Oath that these are the TRUE facts, 100 %, and I will not be bullied by Wells Fargo when they are in the wrong. Their Executive Office is not investigating anything and they refuse to acknowledge their significant error in this matter. They are submitting a bunch of mumbo jumbo XXXX as evidence, that they are correct and they are clouding the actual REAL issues in this matter. Wells Fargo is making a MOCKERY of this whole appeals process and they are not participating in good faith to resolve these issues, which could easily be fixed. They are 100 % at fault and have filed fraudulent court documents!! They are basically trying to steal my home or force me into a situation where I owe them a significantly increased amount of money. The loan in question was a simple HELOC loan with the noted 3rd party vendor. They did purchase this loan and I believe the reason they are pursuing all this made up XXXX is becasue the rate on the original note in question is only 2.61 %. They are losing money on this loan and they are trying to change that with these activities. I have a letter from their Home Preservation Dept which basically confirms/indicates that the 2.61 % rate is a problem. I WILL NOT QUIT FIGHTING WELLS FARGO BECAUSE THEY ARE 100 % WRONG and I WILL NOT BE A VICTIM!! Support info Wells Fargo continues to refuse to provide useful and accurate responses to the new problems I have noted in my CFPB complaints. They are simply replying with the same inaaccurate information they have submitted previously. They have not personally contatced me in over 120 days and are not accurately addressing my concerns or working to resolve the numerous issues I have noted in my complaint ( s ). The situation with their inaccuracies during the payment and insurance/escrow process are fixable, if they would simply acknowledge their errors and correct them. This has gone on for over a year and could have been resolved in the first 60 days ( XX/XX/XXXX ) if they would fix the problems they caused. I have noted that thier own billing documents 100 % fully support my claims of inproprities in their billing and escrow process. They accepted, then misapplied 10 of my P & I payments and manufactured a scenario where I appeared to be deficient in my payments, but that is 100 % inaccurate. They used my P & I payments for other than standard or necessary activities. If they correct the 2 main issues regarding my payments, this whole issue could be resolved. They refuse to even acknowledge any responsibility. The responsibility falls squarely on them. I made 100 % of my P & I payments and they misapplied these payments and this is NOT disputable!! I have submitted the prove to them previously. They need to fix that. As a result of their noncompliance with my requests for repair, I am now filing a Motion to Dismiss their fraudulent Foreclose lawsuit. I will use thier own documents to prove to the court that their lawsuit is false, based on the misrepresentation/distortion of the facts. I will also file a counter lawsuit for repair of the damages I have incurred as a result of their inappropriate actions. They have 14 days from me filing this complaint ( XX/XX/XXXX ) with CFPB to actually reach out to me and in good faith work to resolve the issues they have created in this fiasco. I am a 100 % XXXX Veteran with XXXX years of service to my country and I have rights and deserve to be treated properly by Wells Fargo XXXX in a fair and just manner. They have refused/ignored my requests for resolution to this matter for months and I will tolerate it no longer. My motion to dismiss based on fraudulent information/documentation will be filed XXXX XX/XX/XXXX. Wells Fargo is not addressing or properly responding to the issues I am raising. They continue to resubmit the same response and info that is false and not approriate or accurate to the issues I am raising. Nothing can be resolved if Wells Fargo will not properly address their errors and work to resolve them. To date, they are simply repeating the same inaccurate lies. I will not go away until they work to address and resolve the 100 % accurate issues i am presenting. They have lied on multiple issues and committed fraud by submitting a false petition to the court in regard to the foreclosure lawsuit. My points are 100 % accurate and Wells Fargo continues to ignore them. I NEVER missed a payment and they used my P & I payments for nofarious purposes. 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 P & I 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 XXXX XXXX. 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 XXXX XXXX, 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