Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I am requesting your assistance, for we have been XXXX by Wells Fargo Home Mortgage. 
I was forced to sell my home for WFHM refused to assist me with a requested modification after my employer transferred positions to XXXX 
Every time I spoke with one of their many customer service reps who assured me they were not moving for foreclosure on my home, I received a letter in the mail from WFHM stating they were indeed moving for foreclosure on my home. 
I sold my home on XX/XX/XXXX in fear of being put out into the streets. 
After all of the lies and deceit we encountered from them ... i.e .... having to fax the same documents over and over again, constant changing of customer service reps who would request the same documents ... it was a nightmare. It took a toll on my husband 's mental and physical health. I no longer trusted them and I still do n't trust them as of today. 
WFHM sent me a letter stating the payoff amount of {$110000.00}. 
This is also reflected on the XXXX XXXX. 
When we sat at the closing table within 30 days of the payoff statement, the amount had changed to {$120000.00}. 
WFHM withheld an additional {$6500.00} with no reasonable explanation. 
WFHM falsified a federal XXXX XXXX stating Mortgage Interest received from payee as {$5200.00} which failed to include the late fees they charged me for 12 months at the rate of {$49.00} per month, while waiting for a modification with them. 
I do n't believe this amount to be accurate, for the XXXX XXXX reflected a change in the Mortgage Interest received from payer on a corrected Substitute XXXX as {$7000.00} from the original amount of {$5200.00}. 
WFHM falsified a federal XXXX XXXX stating real estate taxes {$0.00}. 
I have receipt in hand of Property taxes in the amount of {$1000.00} were paid by the buyer on XX/XX/XXXX. 
Why did WFHM take this amount of money as " Settlement charges to seller '' from me? 
This home was sold on XX/XX/XXXX. 
WFHM falsified a federal XXXX XXXX stating real estate taxes {$0.00}. 
I have receipt in hand of M.U.D. taxes in the amount of {$1500.00} were paid by the buyer on XX/XX/XXXX to XXXX. # XXXX. 
Why did WFHM take this amount of money as " Settlement charges to seller '' from me? 
This home was sold on XX/XX/XXXX. 
WFHM falsified a federal XXXX XXXX stating real estate taxes {$0.00}. 
I have receipt in hand of School taxes in the amount of {$1800.00} were paid by the buyer on XX/XX/XXXX to Humble ISD. 
Why did WFHM take this amount of money as " Settlement charges to seller '' from me? 
This home was sold on XX/XX/XXXX. 
WFHM falsified a federal XXXX XXXX stating Mortgage insurance premiums of {$470.00}. This was for Private Mortgage Insurance only. 
I have receipt in hand that in XX/XX/XXXX WFHM paid XXXX {$1200.00} for Homeowners insurance on my home. This policy period was from XX/XX/XXXX to XX/XX/XXXX. 
Why did WFHM take this amount of money as " Settlement charges to seller '' from me? 
This home was sold on XX/XX/XXXX. 
There was an Escrow account with my loan. 
The XX/XX/XXXX statement reflect Year-to-date summary amount in Escrow in the amount of {$480.00}. 
The XX/XX/XXXX statement reflect Escrow balance - {$410.00}. 
If indeed I did not pay these taxes at the end of ownership and WFHM XXXX reflects this, then why did they withhold {$6500.00} as " Settlement charges to seller? '' Why have they not returned this money to us? 
If I did pay these taxes at the end of ownership, then why does n't the XXXX reflect this in Real Estate Taxes paid. 
This has caused me and my husband undue hardship as a result of their falsifications and has sent my husband 's health into a declining state due to their inaccurate financial calculations. 
I demand they return to me and my husband monies in the amount of {$6500.00} within 15 days of the date of this letter.

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