Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed an initial complaint about Wells Fargo with the CFPB and just received the response from Wells Fargo. Their response is full of lies and I filing a new complaint highlighting just some of their lies. I have provided 100 % of the information needed to resolve the issues and they continue to flat out ignore the information, which a great deal of this information came from their own billing statement ( s ) to me.

Below is the correct info for the new complaint and references their lies in their response from my initial complaint. They have the correct documentation and refuse to apply it to my account. This is a serious matter as they are attempting to foreclose on my property. The home equity loan amount is approximately {$180000.00} and the appraised value of the property in question is over {$500000.00}. The reason behind their lies is kind of obvious. 
The new complaint follows : As expected, Wells Fargo and their XXXX, XXXX XXXX responded with numerous lies and false hoods on XX/XX/XXXX. 
Per the XX/XX/XXXX billing statement from Wells Fargo, They became the owners of my Home Equity Loan on XX/XX/XXXX. They state a payment was due to XXXX for XX/XX/XXXX, but XXXX DID NOT own the loan at that time, Wells Fargo did. No payment was ever required because XXXX DID NOT own the loan on XX/XX/XXXX. Wells Fargo should never have sent XXXX of my payments to XXXX, as they were not authorized to do so. Again, no payment for XXXX could be due because XXXX did not own the note and never tried to get any payment from me. They went directly to their buddy, Wells Fargo. 
As noted in my complaint, I have proven several times, via the declaration page and personal letters from my insurer, that there was NEVER a lapse in insurance coverage. Never, not for XXXX minute, XXXX hour or 1 day, was there ever a lapse in coverage. As noted in my complaint, Wells Fargo billed me for 7 months of unneeded and unnecessary coverage for a total of ( XXXX payments of XXXX = XXXX ) They just admitted via their " investigation '' to refunding just over {$4000.00}. That is quite a miscalculation and misinformation on their part. 
They state that they paid the XXXX property taxes, but what they did was interfere with an ongoing dispute between myself and the taxing authority. As a XXXX Veteran in the State of Texas, I am 100 % exempt from property taxes up to {$12000.00} I provided copies of the law for Wells Fargo to review. The tax bill was approximately {$8000.00} and I was working with the taxing authority to get the charge removed when Wells Fargo interfered and paid the improper ( By Texas XXXX ) bill. I have provided all necessary documents to Wells Fargo, so this is another example of them flat out lying about the bill and they never even contacted me before paying it, which could have prevented the entire issue. They state that the Foreclosure filing was just, but that is another lie. NOTHING was past due. My monthly payments for the timeframe should have been 7 XXXX or XXXX I actually paid them {$11000.00} during the 7 month timeframe. I included this in my complaint as well. In addition, I have an email from Wells Fargo XXXX XX/XX/XXXX stating that the issue would be corrected and that I was in good standing. I also have a Wells Fargo Statement from XX/XX/XXXX stating that I have an Escrow OVERAGE of {$3300.00}. How can they possibly justify filing a Foreclosure on XX/XX/XXXX??? Wells Fargo manufactured a bunch of lies and filed the foreclosure on XX/XX/XXXX, based on those lies. Wells Fargo has 100 % of this information, in fact much of the info comes from their very own statements. Please do not accept their reply as fact or accept that the issue is properly resolved. I have documentation for everything I have stated here and they have provided nothing but lies. I will be filing another complaint against Wells Fargo and since they have just admitted to lying, I will soon be pursuing my own legal action against them.

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