Wells Fargo & Company Mortgage Complaint

Wells Fargo & Company Mortgage department,

VA mortgage Loan servicing, payments, escrow account Virginia

I sent in a payment for - 2016 monthly mortgage, ( principle and interest ) check # - for the amount of - and an escrow payment check # - for the amount of -, - of which were cashed by Wells Fargo on - the - -. My monthly mortgage amount is - which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated - -, - -, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these - - payments, I made an additional - ACH payment to Wells also on - - -, this is because they also withheld the previous month 's payment and demanded more money.


My Loan is a VA loan and the terms of that loan were determined by the -. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in -. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me - escrow analysis in - 3 months apart and they also misapplied funds in - - and then in - issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since - I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.