Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo applied mortgage payments to a account that i never authorized. I believe there were numerous payments accepted, in not sure exactly where the payments actually posted or if they even posted at all minus the payments that are accounted for. And where receipts were available to show proof of payments. This has been a ongoing unresolved issue that the bank has failed to resolve. It doesn't stop at the bank simply made a mistake. Its a clear pattern of misconduct and predatory leading practices. That could have easily been resolved early on when I learned of the serious issues that have contributed to rocking my stellar credit history that I worked hard to establish and utilized. And that is and continues to be a primary reason why my wife and I are currently struggling with our current situation and the primary reason we haven't been able to utilize any credit that Wells Fargo is neglecting to take responsibility for their ongoing active negative reporting of these unprofessional misleading and allowed fraudulent transactions to go unaddressed or at bare minimum. Look at the claims that are being presented and made the correct decision in how the credit reporting of misleading information has contributed to the dilemma we are currently faced with. And that said is the current situation that my fiance in good faith efforts to settled these accounts with Wells Fargo before becoming fully aware of the circumstances and from predatory tactics where threats were made and the outcome of any compromise or agreements with Wells Fargo were non existent or off the table due to these absolute threats being made to her and as I tried to e explaining numerous times and countless hires have been completely exhausting and unfruitful as to any solutions. That would on any level show some willingness to understand that the facts are and have aways been clear as to how this loan payments became according to Wells Fargo late in the first place. Not only did it happen so quickly every aspect of the loan with its small print I guess legally accellerated and with that things that had never been a issue like mortgage insurance and although there had never been any late payments or issues with the home owners insurance. It didn't stop Wells Fargo from using it in relation to tacking on the extra charges to make it easier for the immediate removal from the normal banking into another department, and I learned all the predatory tactics after the fact and months later. This is a classic poster board of a uneducated consumer that was taken advantage of. The drawing all money from my checking and savings accounts. That never todate haven't received any type of recipe or itemization as to why or how if i was the owner of the mutable accounts that Wells Fargo claimed i opened or authorized and from all appearances should and would've been utilized to prevent my mortgage from being late in the first place. It just doesn't make any sense when one actually takes the time to look into the shady practices that this bank and its executives at the time and location of these practices of misconduct took place.

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