Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
" This is an official investigative supplement containing newly discovered ledger evidence for my previous filings. Prior complaint numbers : XXXX XXXX XXXX XXXX Below is the formal notice sent today to Wells Fargo 's XXXX Office : Dear XXXX , `` I am writing to formally reject the conclusions of your correspondence dated XX/XX/XXXX, in which you stated that " no error has occurred '' on my account. A comprehensive, row-by-row forensic audit of the complete transaction statement provided by your office - specifically the " Wells_Fargo_Account_Activity_Life_of_Loan.pdf '' has exposed a calculated, predatory sequence that explicitly violates Florida state statutory laws and federal housing guidelines. The Account Activity Document is XXXX that you used to deny any error, and sent to me as well. This is the very same document that I have done all of my work off of as well. Your document. Your " canned '' denial of my XXXX formal Notices of Error directly satisfies the requirement for a willful pattern of non-compliance under XXXX ( XXXX CFR XXXX ). The exact evidentiary trail from your own prepared ledger is mapped out below for your immediate review and escalation to your legal compliance department : XXXX. The Core Violation : XXXX XXXX of XXXX ( XX/XX/XXXX ) On XX/XX/XXXX, my live interest-bearing principal balance was contractually sitting at {$190000.00}, and my contractually protected, zero-interest disaster deferral balance was safely siloed at {$28000.00}. According to your ledger 's Transaction Date column on XXXX XXXX, your system pushed through consecutive " Non-Cash Balance Adjustments '' on that single day. Your system broke the protected disaster silo, stripped the {$28000.00} out of the XXXX balance, combined it with a manufactured delinquency stack of {$12000.00} ( consisting purely of accumulated interest, escrow fees, and a weaponized {$1300.00} foreclosure corporate advance, with {$0.00} in past-due principal ), and illegally capitalized the entire amount straight into my live principal balance. This artificially shot my principal up to {$230000.00}. XXXX. The Pre-Emptive Rebuttal to Your Amortization Excuse Before your compliance team attempts to argue that a disaster modification would have resulted in the same final payoff figure at closing, let me correct your math forensically. Had Wells Fargo followed mandatory XXXX XXXX guidelines for XXXX XXXX, my missed escrow and interest would have been cleanly deferred as a non-interest-bearing balloon, leaving my active principal at its true baseline of {$190000.00}. Because you forced a modification instead, you suppressed my principal pay-down power for XXXX months. On XXXX XXXX, your ledger shows my very first modified payment diverted a massive {$780.00} straight to interest, leaving a measly {$200.00} to lower my principal. Under a proper deferral, my monthly interest would have only been {$650.00}, meaning an extra {$130.00} every single month would have gone directly toward chipping away my debt instead of lining Wells Fargo 's pockets. Because you choked out my amortization power, my balance only crawled down to {$230000.00} at transfer. Therefore, your forced modification directly caused a closing-table overpayment and equity loss of exactly {$12000.00}. XXXX. The Unapplied Funds Check Smoking XXXX Furthermore, your XX/XX/XXXX response was the very first time I was ever shown the secret {$12000.00} default breakdown. This was intentionally hidden as a " quiet roll-in '' under duress. I am also in possession of a floating, live check sent to me by XXXX in XX/XX/XXXX for {$150.00} labeled " unapplied disbursements. '' This check perfectly mirrors the unexplained {$150.00} " unapplied funds '' ledger manipulation executed by Wells Fargo on XXXX XXXX. I have left this check uncashed as physical evidence of your corrupted, unverified backend bookkeeping. XXXX. Total Final Liquidated Demand Based on these exact ledger metrics, I am demanding immediate monetary restitution of {$15000.00} ( {$12000.00} in stripped closing equity + {$2900.00} in predatory interest overcharges ) to resolve this matter pre-suit. Please be advised that this forensic data, alongside your office 's XXXX consecutive failed investigations, has been successfully compiled into a formal multi-count charge sheet. This packet is being submitted today to the Consumer Financial Protection Bureau ( CFPB ) as a supplemental enforcement action, and copies are being hand-delivered to the Florida Attorney General 's Consumer Protection XXXX and the XXXX XXXX XXXX for XXXX XXXX XXXX pursuant to XXXX XXXX XXXX XXXX. If your legal compliance department wishes to resolve this matter before a formal Pre-Suit Demand Letter pursuant to Florida XXXX XXXX XXXX XXXX ( mandating a XXXX treble damage multiplier of {$54000.00} ) is issued by counsel, you may contact me directly. The receipts are in your hands, XXXX. I have provided the math. I suggest you dig in and confirm same. Sincerely, XXXX 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