Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to Wells Fargo, XXXX and XXXX. Wells Fargo foreclosed on my property for a {$53000.00} balance I paid to XXXX and XXXX paid off a XXXX XXXX XXXX  released in XXXX! {$20000.00} was included in the Wells Fargo loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE Select portfolio servicing submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX account.. I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. XXXX XXXX. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The XXXX  XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a XXXX loan I paid off in the XXXX XXXX XXXX. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX XXXX  I paid off in XXXX. I believe it also includes {$20000.00} included in the Wells Fargo loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXX mortgage included in the XXXX XXXX which neither were EVER entitled.

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