Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Trying to communicate with the company to fix issues with the mortgage account and the application of funds not in accordance to specific instructions. This is a Veteran Affairs Loan. This loan has been transferred. I was not notified by Wells Fargo or the VA that the loan was submitted for approval to be transferred to another servicing company. I was notified that another servicing company would be taking over in less than 15 days. 
I feel that the transfer without proper notice is in retaliation for exercising my rights as a consumer. Because Wells Fargo has failed to address the complaints and the mismanagement of the account. I receive multiple copies of the Wells Fargo responses that do not match or address the original complaints submitted. Therefore, I have requested copies of the original complaints Wells Fargo was responding to and never received a copy of those complaints I submitted with the copies of the responses. Wells Fargo is not addressing my concerns with the Mortgage Account or any of the other accounts I have with Wells Fargo. The latest correspondence from Wells Fargo received XX/XX/year> dated XX/XX/year> states a goal to address the concerns by XX/XX/year>. Also received on XX/XX/year> dated XX/XX/year> is a letter subjected Your mortgage is being transferred to a new servicer. 
Wells Fargo has made many mistakes in managing the Mortgage Account. & I did not receive monthly mortgage statements. Wells Fargo responses to these mistakes has caused significate financial harm. Well Fargo mistake circumvented the application of funds submitted and continually changed the rational for the misapplication of the funds I was submitting. With every dispute filed Wells Fargo was adjusting the account, however I was not authorizing any changes on the account and Wells Fargo did not seek prior approval or agreement when making all changes to the account- in response to disputes and errors/mistakes Wells Fargo had made in managing the account. Wells Fargo has violated state and federal laws that include TILA, ( RESPA ), FDCPA. Wells Fargo business practice is not operating in good faith. I view this transfer as Retaliation for being a borrower filing disputes or complaints. Wells Fargo states it has followed all laws without providing monthly statements. Wells Fargo states it did not have to provide monthly statements on any account. Wells Fargo stated it did not have to apply the funds as ear marked for principal only. Wells Fargo held funds as unapplied. Even while stating that if the account is paid ahead any funds submitted would be applied to principle. Wells Fargo stated that if there is a confusion with unapplied funds do not submit less than full payments. Even though weekly and every other week payments can be submitted to have an extra month payment applied to the account. Wells Fargo contradictory information and advertisements have resulted in Unfair or Deceptive Practices : Transferring the loan only serves to evade addressing legitimate disputes and backdoor, underhanded collection of monies not owed. 


* * * * I do not call or receive phone calls. 
* * * * * I have requested ADA - communication in writing/ USPS mailings in large print. 

++++a copy of this complaint should be sent to XXXX XXXX XXXX. I have not received any other information about how to submit payments or what is the status of the account.

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