My payment made on XX/XX/XXXX was reversed days before Wells Fargo sent the loan to foreclosure. This is a blatant violation of the Frank-Dodd Act and Federal Banking Regulation Z. Wells Fargo has sent a XXXX letter to my insurance company telling them that the property is vacant or abandoned so my insurance company will cancel my policy and I will be forced to pay for Wells Fargo 's over priced insurance. This property has never been vacant in the XXXX years since I purchased it. 
Wells Fargo says " Customer was unavailable for consultation. '' The truth is Wells Fargo made no verifiable attempt to contact me. If Wells Fargo was not harassing me XXXX times a day they would be able to leave a message on the answering machine. 
Case number : XXXXWells Fargo Home Mortgage said : Explanation of closureCustomer was unavailable for consultation. 
See attached resolution letter. 
XXXX XXXX XXXXThis started when Wells Fargo withdrew money from the escrow account for expensesthat Wells Fargo did not incur. Then Wells Fargo applied our principle and interestpayments to the escrow account to cover the money Wells Fargo stole from theescrow account instead of applying the money to the loan. We have requested abalance statement for the escrow account a couple times verbal and a couple times inwriting. Wells Fargo recently sent us a letter stating Wells Fargo will not respond toissues with our account. We record our calls and have written documentation of WellsFargo 's crimes, so we could sue Wells Fargo. We would prefer to keep this out of thecourts. We have managed to make all our full payments before the grace periodexpires for over a year and a half. The last few months Wells Fargo lists our fullpayment as unapplied funds, so they can charge us more interest and late fees. We arecurrent on this loan and we have written documentation to prove it. Wells Fargo hassent us another ultimatum to pay what Wells Fargo says we owe by XX/XX/XXXXor they will foreclose on our property. 

I have filed another complaint with CFPB because XXXX XXXX failed to address the issues with this account. Case number : XXXX XXXX - Wells Fargo Executive Mortgage Specialist, stated that " You would have had to show proof of insurance coverage without any lapse for a full refund of the LPI premium. " This is not only a false statement it is a violation of a Federal Court Order. 
This is why Wells Fargo was sued and lost in Case No. XXXX. 
XXXX XXXX also failed to address the issue with payment of the 2009 property taxes from the escrow account. 
