Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I completed a loan assumption from my grandparents on XX/XX/XXXX, after a problematic XXXX process ( previously filed CFPB Complaint # XXXX ). Now Wells Fargo is fraudulently billing me for an assumption fee that was already paid at closing. The Fraudulent Charge : On XX/XX/XXXX, I received my first mortgage statement showing a {$960.00} Assumption fee charged to my account on XX/XX/XXXX. This fee was already paid by the seller ( my grandparents ) at closing according to my official Closing Disclosure. Documentation Proves This Is Fraudulent : My Closing Disclosure dated XX/XX/XXXX clearly shows : Page XXXX, Line XXXX : Assumption Fee to Wells Fargo Bank XXXX NA - {$900.00} This fee is listed under Seller-Paid at Closing column My total borrower-paid closing costs : {$0.00} ( Page XXXX ) Cash to close from borrower : {$0.00} The seller paid {$900.00} for the assumption fee at closing. Wells Fargo collected this money. Wells Fargo Is Now Double-Billing : Collected from seller at closing : {$900.00} Now charging me on statement : {$960.00} Total Wells Fargo is collecting for ONE assumption fee : {$1800.00} Wells Fargo is not only charging me twice for the same fee - theyre charging me {$60.00} MORE than the original amount ( {$960.00} instead of {$900.00} ). Statement Details : Statement date : XX/XX/XXXX Loan number : XXXX / XXXX Fee assessed date : XX/XX/XXXX Amount shown in Other column : - {$960.00} Description : Assumption fee Total amount due inflated from {$2000.00} to {$3000.00} Impact : This fraudulent charge comes immediately after a XXXX ordeal to complete this assumption ( XX/XX/XXXX - XX/XX/XXXX ). I already filed a CFPB complaint about Wells Fargos incompetence during that process. Now they are attempting to fraudulently collect nearly {$1000.00} I do not owe. This appears to be either : XXXX. Gross incompetence in Wells Fargos billing systems, or XXXX. Intentional fraud to collect duplicate fees from customers Timeline : XX/XX/XXXX : Signed closing documents XX/XX/XXXX : Closing Disclosure issued showing seller pays {$900.00} assumption fee XX/XX/XXXX : Wells Fargo Post-Closing received final documents XX/XX/XXXX : Assumption completed and finalized XX/XX/XXXX : Wells Fargo assessed {$960.00} assumption fee to my account ( per statement ) XX/XX/XXXX : Received first statement with fraudulent {$960.00} charge Previous Related Complaint : CFPB Complaint # XXXX filed regarding the XXXX delay in completing this assumption due to Wells Fargos incompetence and bad guidance. What I Want : XXXX. Immediate removal of the fraudulent {$960.00} assumption fee from my account XXXX. Written confirmation that I owe {$0.00} for assumption fees ( already paid by seller ) XXXX. Correction of my account balance and payment amount XXXX. Investigation into how Wells Fargos systems allowed duplicate billing for a fee already collected at closing XXXX. Assurance this will not affect my credit report XXXX. Explanation of Wells Fargos quality control failures that led to this fraudulent charge XXXX. Compensation for the time and stress of dealing with yet another Wells Fargo billing failure Wells Fargo Contacts : XXXX XXXX ( XXXX ) - XXXX - XXXX Wells Fargo Servicing - XXXX Loan Assumption processed through Wells Fargo XXXX XXXX XXXX, XXXX, MN Account XXXX : Loan Number : XXXX / XXXX Property Address : XXXX XXXX XXXX XX/XX/XXXX XXXX SD XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Borrowers ( Sellers ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : {$960.00} ( fraudulent duplicate assumption fee ) Date of Transaction : XX/XX/XXXX ( date fee was fraudulently assessed )

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