As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo? 
