Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
i am requesting immediate review and correction of my escrow account and tax payment history before my mortgage servicing transfer takes effect on XX/XX/year>. In XX/XX/year>, I received notice from XXXX XXXX regarding approximately {$1200.00} in delinquent charges related to an unpaid water bill that had been transferred to the XXXX XXXX XXXX XXXX as a tax obligation. I was informed that if the amount was not paid by the deadline in early XXXX, foreclosure proceedings could begin. Because I did not have the funds available at that time, I contacted Wells Fargo in advance to request escrow assistance. I was specifically told that Wells Fargo would make the payment before the due date. After that conversation, I believed the matter was being handled. I also began making larger mortgage and escrow payments to help repay the amount that Wells Fargo was advancing. However, over the following months, I noticed repeated payment activity involving approximately $ XXXX {$1100.00} being sent to and returned from the XXXX of XXXX XXXX XXXX I contacted Wells Fargo multiple times to explain that the payment needed to go to the XXXX XXXX XXXX XXXX, not the City of XXXX XXXX. Despite these calls, I continued receiving inconsistent and conflicting information : - I was repeatedly told the matter was being handled. - I was later told there were no delinquent taxes owed. - I was then told only a small water balance existed and had already been resolved. - Meanwhile, the payment activity continued appearing unresolved. During this same period : - My monthly mortgage payment was first lowered due to escrow adjustments. - I continued making larger payments toward escrow. - I then later received another escrow analysis stating my payment would increase again because the escrow account was allegedly short. This sequence does not make sense based on the information Wells Fargo provided to me. Most concerning, I have now received notice that my mortgage servicing will transfer to a new company effective XX/XX/year>, while this issue still appears unresolved. At this point, I need immediate written clarification regarding : 1. Whether any delinquent taxes, water assessments, or county obligations remain unpaid. 2. A complete escrow transaction history from XX/XX/year> to present. 3. Copies of all payments issued regarding this matter, including dates, payees, reversals, and returned payments. 4. Confirmation of whether any foreclosure-related risk exists due to unpaid county obligations. 5. Explanation for the escrow shortage assessment and payment increase. 6. Confirmation that all records and disputes will properly transfer to the new servicer. I am extremely concerned that errors in handling these payments may place my homeownership at risk. Please treat this as an urgent escrow dispute and request for information under applicable mortgage servicing regulations.

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