Consumer complaint received 2026-04-21 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 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 , 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 XXXX 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 Senator XXXX about their illegal activities toward a Highly Decorated 100 % XXXX Veteran of the US Army. 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