Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
b'This is my 3rd complaint against Wells Fargo (WF) as they have completely failed to resolve any of the previous issues I have presented.  They manufactured a deficit on my account and filed foreclosure paperwork based on these false assumptions.  I have proved, using WF\'s own documentation, that this is a completely manufactured scenario.  I was not in any deficit, they had simply misappropriated the payments that I sent in and used them to pay a forced insurance policy that I have proven to be unnecessary. I was fully insured by XXXX XXXX  for 100% of my time with WF and I have proved that to WF.  I was not past due on even a single payment, infact I had overpaid during the period in question.  I have provided WF documentation in regard to this.  They prepaid my annual homeowners insurance policy, which I had been paying myself for 3 1/2 years and then immediately claimed it was past due.  They claim I was XXXX  in the rears and this is 100% false.  Below is my proof of their falsehoods and blatant lies.\nI was served the forelosure papers in XXXX  XXXX, but the papers use the date of XXXX XXXX XXXX, so I will use that date even though much happened before that date.\nThe suit claims we were in the rears XXXX at that time.  This is totally false.\nIn XXXX XXXX, XXXX  began billing us for a forced insurance policy because they beleived we had no homeowners insurance.  I sent documents proving this is 100% false and we were/are insured 100% of the time.\nThey billed us for this insurance for 7 months (1XXXXXXXX XXXX) for XXXX.  On XXXX XXXX XXXX  I proved to them and received their acknowlegement via email, that this was an agregious error.  I sent them the supporting email and I also had a very detailed phone call with WF customer no service on that date. I sent them the declaration page from XXXX XXXX, my insurer, proving coverage 100%.  WF has still NOT refunded the entire XXXX XXXX XXXX XXXX XXXXThe XXXX includes XXXX, which they paid to State Farm on XXXX for my XXXX homeowners insurance from the escrow account they created against my will.  From the inseption of this loan, for the previous 3 1/2 years of my time with WF, I had paid my homeowners and property taxes myself with no escrow account. On XXXX, State Farm fully refunded that XXXX payment to WF, as I had continued to pay my homewners insurance, on my own, monthly with my car insurance. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXThere is a past due amount reflected for XXXX in "late" fees that resulted from yet another error by WF.  WF purchased this Home Equity loan from XXXXXXXX XXXX XXXX XXXX and that contract is included in the court filing.  The loan closed on XXXX  and WF acquired the loan from XXXX  on XXXX, per our very first billing statemnt from WF.  I previously sent CFPB a copy of this statement.  The contract includes a statement on Page 1 that 1st payment is due to Aspire on XXXX, however Aspire DID NOT OWN the loan on that date, WF did.  The WF statement indicates thier first payment to be due on XXXX XXXX XXXX, which we made on time.  At some point in time, around XXXX XXXX I believe, XXXX  contacted WF and demanded the XXXX XXXX payment be made.  I had discussions with WF and said ABSOLUELY no payment could be due to XXXX, as they DID NOT OWN the loan in XXXX XXXX. Some how, WF decided on their own, WITHOUT ANY PROOF OR PRECEDENT, that the payment must be made and took my XXXX XXXX payment to WF and sent it to Aspire. Since that time of basically misappropriating my payment, WF has charged me a monthly late fee of XXXX for the total of XXXX.   This is totally an error on the part of WF and totally created by their mismanagement.  I have never missed even 1 payment for the entirety of our time with WF, including the months where I was being misbilled for the forced insurance and they were misappropriating that money to pay the fake insurance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere is an unpaid advance balance of XXXX noted, which are legal fees and maybe other fees associated with the foreclosure filing and will not be paid by me, as the filing is a totally manufactured falsehood and error by WF.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe remaining balance of XXXX I believe are uncollected escrow fees, but I can\'t confirm that as the escrow account has been fully closed since XXXX XXXX.  If I am correct, those fees do not exist becasue of the closure and probably were assuming some sort of future payments that are never going to occur, but may have appeared to be outstanding at the time of the filing.  \nThese are all facts and support documentation has been sent to WF.  They continue to deny and dismiss the facts that are based on their VERY OWN documents.  \nTheir assistance from their Home Preservation department is ridiculous.  They offered to extend my loan for 7 years and increase each payment by 50%.  This would almost TRIPLE the entire cost of the loan, which was NEVER in default in the first palce.  Of course I rejected this "offer".  It\'s ridiculous.  I told them to present me with something that is reasonable and I would consider it and they consider that a refusal by me. I call it negotiation. This is a home equity loan and the borrowed percentage of the loan is approximately 1/3 the value of the home.  There never was a default and they are aggressively trying to steal my home, XXXX.  I am going to file yet another cmplaint against WF and continue this fight.'

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 non-monetary relief