Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo Bank NA and Wells Fargo Home Mortgage To whom it may concern : I need to know who wrote the response to me for my complaint XXXX XXXXXXXX dated XX/XX/XXXX, through Consumer Finance Protection Bureau . There is ; no date, no name, no initials or title and it does not even say it is from Wells Fargo Bank NA or even Wells Fargo. However, Wells Fargo did attach a whole bunch of letters that had already sent out to me months ago, plus you/Wells Fargo failed to remove or redact my confidential information and have exposed it to the public, i.e., my name, my address and my account number are on these documents. You should have eradicated that info. You also attached a chart on the payment processing on my first mortgage. All this chart shows is the fixing of a couple of errors made in processing payments by Wells Fargo on the first mortgage. No reference to all to the errors made in processing payments on the equity line loan, aka : second mortgage. Although I have taken note in the past few months that Wells Fargo Bank has made a change in the way they process my payments and it does appear that they are now honoring the 10-day grace period written in my Agreement, but what about all the payments made before Wells Fargo Bank NA made that change, began in XXXX. 

I want these responses to me regarding my complaints through Consumer Finance Protection Bureau, from Wells Fargo Bank NA, to be on the banks letterhead, with a persons initials and title on it. If this is not complied with, then I can not consider it a legitimate response. I noticed that you attached several letters with your bank letterhead on them. 

You did not respond to me regarding my question about the class action settlement where I received from you a check in the amount of {$320.00}. It was stated in the letter to me, name on the letter is Wells Fargo Forbearance Litigation Settlement Administrator and has indicated in the last paragraph if you have any questions about your award, pls contact the Settlement Administrator at this phone number not posted here and address not posted here with the check enclosed the enclosed check constitutes the full amount of automatic payment to which you are entitled based upon the terms of the settlement. You sent nothing to me showing the terms of the settlement. You have also stated that this check is income to me so exactly what is the settlement for? If you are trying to cover your mistakes, then it is not income. In my complaint filed with Consumer Finance Protection Bureau, XXXX XXXXXXXX, I requested three things from you : 1 I need to know what account number or numbers the {$320.00} check for settlement pertains to.

2. Dates this fraud occurred. How much money was stolen from your customer/mortgagor?

3. How exactly was this amount of {$320.00} calculated, show me the math in detail?

Also, you addressed in your response to me, in one of your letters, that you contacted me XX/XX/XXXX, because you did not receive my renewal notice for my flood insurance. As of XX/XX/XXXX, I took full responsibility for all my insurances policys payments and taxes on my home. The insurance company failed to send me a notice that it was time to pay another year. That was not my fault because I did not receive the notice. I had the monies in my escrow account just waiting for the bill to arrive. Now, I have an alert notification to myself, so I know when to pay it or request a bill if they fail to send it. The dates in the past from XX/XX/XXXX back to XXXX, you were the one responsible for paying for the renewals on these insurance policies and the taxes. If you will look back before I set up my own escrow account, you will find where you sent me a letter stating that my flood insurance policy had expired and you threatened to set me up with a more expensive company. At that time, I was on escrow with you, and it was your job to make the payment on time. So, what is your excuse for not checking the history on my escrow and seeing that there were adequate funds in my escrow account to make the payment for the amount due for the flood insurance at that time? 
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