Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
b' New Complaint Title: "Wellsfargo Provided False/Incomplete Information in Response to Complaint #[XXXX Old Case Number]." \nTo Whom it may concern with CFPB, \n\nAttached is Wellsfargo response to what they called a Full Review of history of this account. And their findings of the facts. However, in bad faith Wellsfargo, withheld evidence and information during this litigation process to purposefully look for a extended period of time that was unfair procedurely to find away out of this matter to be concerned for properly and misleading a federal procedure and sell the account off to another management servicing company with out my certified mail request to resolute the demands properly in the proceeding which brings furthermore negligence to this mediation process and injury. For example In a federal mediation process, details and facts are the only currency that matters. Unlike a casual conversation or a customer service call, federal mediation is a structured legal environment where the mediators goal is to find a "reality-based" resolution.\nIf the bank is omitting facts, they are essentially trying to "starve" the mediation of the truth so that the resulting settlement favors them. Here is why those details are critical:\n1. The Mediator is a "Reality Tester"\nA federal mediator doesn\'t take sides, but they perform "reality therapy." They look at the facts from both sides to see whose story will actually hold up in front of a judge. For example,\n The Problem with Omissions: If the bank hides the fact that they misapplied a $XXXX payment in XXXX the mediator will wrongly assume your balance is correct.\n Your Job: You must provide the "missing" details to the mediator. When you show the mediator a canceled check that the bank "omitted," the mediator can then go into the other room and tell the bank, "Your math doesn\'t hold up; the borrower has proof you missed a payment. You need to adjust your offer."\n2. Establishing "Willful" vs. "Accidental"\nUnder RESPA, there is a massive difference between a bank making a clerical error and a bank ignoring your attempts to fix it.\n The Detail: If you can prove you told them about the error three times and they omitted those communications in their report, you are moving the case toward "willful non-compliance."\n The Payoff: Willful violations allow you to ask for statutory damages (extra money on top of your actual losses). Without the details of your previous attempts to fix it, the mediator will view the banks actions as a simple mistake.\n3. Mediation Statements are "Roadmaps"\nBefore federal mediation, comes the fact that Wellsfargo ommitted proof and failure to mention that Branch insurance was purchased and coverage on the home they forced insurance to listed here below address and loan and fact t this mismanagement account to XXXX XXXX XXXX XXXX Pennsylvania XXXX that was being managed by Wellsfargo at the time. However, during our mediation process that closed with that withheld fact to omitted evidence that Branch Insurance was also a carried insurance and from the time frame after XXXX XXXX Insurance was no longer in effectiveness to the home when the bank forced insurance on the home and increase the escrow account negligent and cause damage to my credit report to report improperly to it around their know negligence to my account. \nMultiple complaint were filed around the known to Wellsfargo in multiple grievance processes and then lead to mishandled escrow account ____________to the mortgage and they receipt the complaint and by response letter to my grievances. And Failure to the appropriate full course measures to resolution and resolve the matter appropriately. That result in __misapplied payments or impermissible charges), and RESPA Law violations. \nTherefore if the bank omitted evidence in which case they do here in my mediation process,\n If the banks statement omits facts, your statement must be the "Fact-Checker."\n Use a table format to compare their claims vs. reality. For example: \n Bank Claim: "Borrower missed fiscsl year of XXXX payment and force place insurance went into effect."\n Actual Fact: "for the fiscal year they omitted that a branch insurance was placedvon my home during this XXXX fiscal year .was made via and applied to \'unapplied funds\' instead of principal."\n To this account whenever they made the false representation over the account. And was factually conducted in their review and in this mediation process. \n4. Overcoming the "CFPB Closure"\nThe bank likely omitted those facts to the CFPB because they knew the CFPB wouldn\'t check their math. In mediation, you have the right to challenge their evidence.\n im providing proof of the omitted evidence that they forced placed insurance on the home at this time and during a internal investigations of reveiw damaged my credit report and brings inference to mediation process. \n\n A mediator cannot force a settlement, but they can write a report or tell the parties that a settlement isn\'t possible because one side is acting in bad faith. This report can be a powerful tool for your lawyer later. And I\'m requesting this to the CFPB course of action on my behalf. \n\nAnd for example the reasons are, because of the importance in settlementvalues and depends on Precision, : i.e., \n\n5. Settlement Value depends on Precision\nIn mortgage cases, the settlement usually involves a "re-aging" of the loan or a "principal reduction."\n If the details are off by even $XXXX, it can affect your interest compounding for the next 20 years.\n Federal mediation is often your last chance to get a "Corrective Accounting" before you have to pay for a full trial.\n\n"I have documentation that contradicts the bank\'s summary in which case, they called a full reviewover my account history. I would like the mediator to review my previous mediation complaint ,the final response Wellsfargo provided, highlighting the missed fact that Branch Insurance came into existence, proof of the Branch home owner policy that was in effect XXXX to XXXX proof of omitted evidence that they omitted telling in their final review of account history during the federal mediation process to CFPB. And the over time frame of time jurisdiction they received to give their report in outside of the certified mailed letter to be receipt of letter of Error that they receipt received , that came by statement over the phone to me by represenative that they received and failured to comply with, by way, to request and needed more time to be reviewed outside of the respect to my certified letter and law time frame jurisdiction allowed in this proceeding. Also please review the proof of receipt email by introductory letter toShellpoint mortgage servicing company by email XXXX , that they sold account to with the knowledge of this mediation process in effect and their negligence but occurs rapidly as they where notified and and placed at accountable for injury and their negligence. \n\nThank you, \n\nXXXX XXXX XXXXCell phone\n XXXX XXXX

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