Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The last step asked me to define " what type of mortgage ''? There is no mortgage! That's the whole point. Wells Fargo debited one of my two bank accounts ( I don't even bank with them ) {$350.00} this morning ( XX/XX/XXXX ). Item was listed as " WF HOME MTG AUTO PAY, '' which my own bank ( Associated ) identified as a Wells Fargo home mortgage payment. that came directly FROM THEIR OFFICE, not a third-party identity thief. I have no documentation yet because I do not have my latest statement yet ; I am seeing this all online. But Wells Fargo, I believe, is once again opening fraudulent accounts and hoping they can slip at least a few by their customers ( or even non-customers ) and the regulators ; I am sure that, now that the dust has settled, they have come up with new and improved ways to hide their tracks. How could they be so stupid as to try this again? But I guess, if at first you don't succeed ... ..As a friend of mine told me today, " Can you ask them where the house is? And whether you're allowed to paint it? '' I do not own a home anywhere, and certainly wouldn't finance one through a verified, established den of thieves like Wells Fargo. Called my own bank to dispute the charge, and Wells Fargo. But based on a previous experience with a disputed charge, I have little faith that I will not wind up stuck with an unwanted mortgage for life. For one, the Wells Fargo " internal investigator '' ... .works for Wells Fargo ! Like asking police to investigate police brutality. Apparently an investigator will be contacting me within 24 to 48 hours, but I already know there are two outcomes -- and neither of them is good for me. They will claim it's legit, and keep debiting me for god knows how long. Or will they claim it is somebody else and keep quietly debiting me and sending the money into their coffers, since I'm sure they have perfected their tactics by now. This is looting, plain and simple. The only question that is relevant to this sham investigation, I told the Wells Fargo rep this morning, is " Do I own or finance a house? '' Answer, no, case closed, give me my money back. And, setting aside that asking W-F to look into this is like entrusting XXXX XXXX to investigate whether his gang robs banks, if they were honest they would look for who within their ranks opened this account. They need an " impartial juror '' like this bureau, assuming it has not been tainted by Trump to let banks do whatever they XXXX well please. Because I am already a little leery about your bragging that you get a " 97 percent response rate '' from companies. So what? This is the XXXX XXXX XXXX standard : a company passes muster and gets thumbs-up for the simple, rock-bottom task of replying, not actually admitting its own wrongdoing and fraud. But you are all I have, so I guess I will have to settle. As I said, they are at it again and the only way to stop these repeat offenders is not fines, not civil settlements, not bad PR, but PRISON TIME. If the conservatives in charge of the banking industry can harrumph and demand jail for a looter who pilfers a TV during our present time of troubles, they should have the same fear of substantial time for themselves at a ( not-posh ) prison for stealing {$570.00} XXXX. The small bit they have stolen from me so far -- - and counting -- is probably more than the cost of that TV. The Wells Fargo strategy, I feel, is probably one of going to the CEO, describing the situation and saying, hey, maybe it's not worth the cost to defraud this guy. He might not have a lot of money, but he has a lot of determination and he is going to take this to the hilt and FIGHT! Better to refund the money and move on to the next vulnerable XXXX. Please help! You are the only ones with the clout and money to stop this monolith. And, abso -- XXXX XXXX XXXX -- lutely you can reprint this complaint as a deterrent!

BTW, the next section would not let me complete the complaint unless I entered where the " mortgage property '' is located. As should be clear by now, there is no mortgage property ; that's the XXXX point. They took it upon themselves to open, in my opinion, a fraudulent account. But I entered my ( rental ) home address in this space nonetheless because the system would not allow me to proceed without it. But to be clear, there is NO mortgage NOR property ; I am not conceding that there is by filling out this info.

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