Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Today is XX/XX/XXXX. 
Wells Fargo Home Mortgage is in violation of the mortgage CLOSING automatic withdrawal of monthly mortgage agreement signed by me on XX/XX/XXXX and agreed upon by Wells Fargo Home Mortgage. 
The closing statement states the monthly mortgage automatic withdrawal by Wells Fargo Home Mortgage will be on the XXXX OF EACH MONTH TO BEGIN XX/XX/XXXX, AND THE XXXX OF EACH MONTH THEREAFTER. The purpose of this contract agreement by me was to coincide with my income deposits, and to assure that funds are available to Wells Fargo Home Mortgage by the XXXX of each month. 

The mortgage closing agreement is a binding contract that must be adhered to by both the mortgage servicer and the borrower, in its entirety. I have never been late since the existence of my loan ( XXXX ) Funds have always been available. 

Wells Fargo Home Mortgage must comply with the arrangement in the mortgage closing contracts automatic withdrawal agreement which states the monthly mortgage will be presented on the XXXX of each month to my bank account. NOT THE XXXX, NOT THE XXXX, NOT THE XXXX, NOT THE XXXX OF EACH MONTH. THE CLOSING STATEMENT STATES THE XXXX OF EACH MONTH. Additionally, I have the letter dated XX/XX/XXXX from Wells Fargo Home Mortgage that states the following : " Beginning XX/XX/XXXX, and continuing each month thereafter on the same day, we will withdraw you monthly mortgage payment. '' Furthermore, this same XX/XX/XXXX letter states : If our scheduled withdrawal date falls on a holiday, it will be delayed until the next business day. '' Below are examples of Wells Fargo Home Mortgage inconsistent servicing of my account. 
XXXX, XXXX Wells Fargo Transaction date submitted XX/XX/XXXX ( week-day ) XXXX, XXXX Wells Fargo Transaction date submitted XX/XX/XXXX ( week-day ) XXXX, XXXX Wells Fargo Transaction date submitted XX/XX/XXXX ( weekday ) XXXX, XXXX Wells Fargo Transaction date submitted XX/XX/XXXX ( weekday ) XXXX, XXXX Wells Fargo Transaction date submitted XX/XX/XXXX ( weekday ) In each of the above months the XXXX is on a weekday. 

TODAY XX/XX/XXXX WELLS FARGO HAS DECIDED TO PRESENT MY ELECTRONIC AUTOMATIC MONTHLY PAYMENT ON TODAY. THIS IS HE VIOLATION. WELLS FARGO IS NOT TO REQUEST MONTHLY MORTGAGE AUTOMATIC PAYMENT PRIOR TO THE XXXX OF EACH MONTH. THIS IS THE AGREEMENT IN THE MORTGAGE CLOSING STATEMENT AND CONFIRMED IN MY LETTER FROM WELLS FARGO HOME MORTGAGE DATED XX/XX/XXXX. I received and have a copy of the notice from my bank today, XX/XX/XXXX, that Wells Fargo presented the automatic monthly mortgage payment today, XX/XX/XXXX. 

Additionally, the Wells Fargo Home Mortgage monthly mortgage payment statements continue to state " PAYMENT DUE DATE '' AND THE XXXX ON EACH STATEMENT. 

The most recent statement shows Payment due date : " XX/XX/XXXX '' Each Wells Fargo Home Mortgage Customer Service Representative has sent letters stating that my monthly mortgage is due the XXXX. of each month. This is a XXXX. And, as stated does not comply with the contract approved by myself and Wells Fargo Home mortgage. The illegal activities of Wells Fargo must cease. Wells Fargo can not continue to make up their own rules without being held accountable. 

The contract date listed in the closing statement is crucial to the agreement between myself and Wells Fargo Home Mortgage.

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