Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing to file a follow-up complaint against Wells Fargo Home Loans regarding their continued refusal to refund {$18000.00} associated with a partial claim from XX/XX/XXXX. This submission provides critical new evidence from Wells Fargo itself, which acknowledges its error in the matter. 
Complaint Background This complaint directly references the following previous complaints : CFPB ID : XXXX ( submitted XX/XX/XXXX ) CFPB ID : XXXX ( submitted XX/XX/XXXX ) CFPB ID : XXXX ( submitted XX/XX/XXXX ) CFPB ID : XXXX ( submitted XX/XX/XXXX ) Wells Fargo Loan Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX Original Complaint : I was improperly required to pay {$18000.00} for a partial claim at the time my home was sold, despite evidence from XXXX XXXX XXXX showing no properly filed lien existed in XXXX XXXX. 
New Evidence : Wells Fargo 's Written Admission after Repeated Inquiries In response to my last complaint, Wells Fargo provided a written response dated XX/XX/XXXX. A copy of this response is attached for your review. It is important to note that this is the first instance, after four previous complaints and multiple direct contacts with Wells Fargo, that they have acknowledged their error. In this document, Wells Fargo makes the following key admission : " We found that on XX/XX/XXXX, we recorded the Subordinate Deed of Trust enclosed with XXXX XXXX instead of XXXX XXXX. '' This statement confirms my claim that the lien was never properly recorded in the correct jurisdiction, XXXX XXXX, where the property is located. Wells Fargo 's admission of fault is a direct contradiction of their previous statements where they consistently denied any wrongdoing and insisted they followed all policies and procedures in response to earlier complaints and direct communications. 
Refusal of Refund and Inadequate Resolution Despite this clear admission of negligence, Wells Fargo 's response dismisses its own error as a non-issue. Their letter states, " ... since the account is paid in full and the lien has already been released, there is no correction needed. '' This stance is unacceptable for the following reasons : Wells Fargo improperly collected {$18000.00} from me based on a lien that was never validly recorded in the correct county. The discovery of the error and subsequent release of the improperly filed lien in XXXX XXXX in XX/XX/XXXX, years after the sale, does not erase the initial mistake or the improper collection of funds. 
I was financially harmed by being forced to pay for a claim that did not legally exist as a lien on my property. My attorney and real estate agent confirmed the lack of a proper lien, which Wells Fargo has now independently corroborated with its admission. 
Wells Fargo 's response is dismissive and does not offer a substantive resolution. Their statement about escrow funds and taxes in previous communications was also irrelevant and part of a pattern of deflection.

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