Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have established that from the first contact with Wells Fargo, that everything they have been found guilty of, we have been the victims of Wells Fargo home mortgage company and Wells Fargo bank na. 
I have sent in proof. Im the form of Wells Fargo mortgage statements, late notices, and foreclosure notices weekly monthly. I have bank statements XXXX XXXX records, original documents from Wells Fargo, from XXXX XXXX, that shows the blatant fraudulent statements and actions of the Wells Fargo employees and companies. Starting before the loan was even closed, which I say again was illegal, to the foreclosure notices that started the second month of payments in XXXX. Then the accidental death insurance, only on statements from XXXX MD., to the statements that started in XXXX, from XXXX NJ XXXX The NJ mortgage statements didnt reflect the accidental death insurance, but then they start with other charges, on top of late fees after late fees. The amount of late payments we made along with the actual mortgage payment of XXXX dollars a month. 
Going to XXXX, also the year the housing market crashed due to XXXX XXXX criminal activity then. We have the email XXXX, we were told to login to the email to get our confirmation numbers on payments made, Again something Wells Fargo has been found guilty of and fined for,! I have sent Wells Fargo everything they have claimed not to have been apart of. By XXXX, Wells Fargo had manipulated and defrauded so many payments and paperwork, they themselves didnt know what they had done. Evidently by this point they were just making it up as they went. The loan modification in XXXX is again proof of my accusations. Wells Fargo sent the loan modification, the original document, with the wrong payments amount, as welll as the dates of the loan modification. The photocopied loan modification I was sent from a previous complaint, shows different dates of the loan modification compared to the original loan modification documents I sent in, as well as the wrong amount of the original loan monthly payment. Also in XXXX before the loan modification took affect it shows up on a mortgage statement before the actual date it was supposed to start on. It was XX/XX/XXXX the modification payment wasnt until XX/XX/XXXX. Move to XXXX with mortgage statements that plainly show in rhe amount due, the loan amount prior to the modification in XXXX. 
I have more than established that we have been the victims of every illegal and fraudulent activities that Wells Fargo has been found guilty of and fined for. From the preditory lending, the charges that where never authorized, to the fraudulent moving and manipulation of accounts and payments received, to the fake emails, made by employees of Wells Fargo, with it being a company wide knowledge and encouragement from the company to employees and rewarded for the illegal activities and actions by Wells Fargo home mortgage Wells Fargo bank na all their other companies involved as well. Its unbelievable that Wells Fargo is allowed to have any interaction with customers and money is mind blowing. They have 4.4 trillion in assets off the backs of the American consumer! The financial damage is beyond any Ponzi scheme bank crash in the history of the USA. Wells Fargo need to be held accountable! I have asked for XXXX XXXX. After 6 plus months and complaint after complaint, being told they only have access to the last 7 years. To them sending copies of said payments. 
How? Now they are saying they dont have the records to compare to what I have sent them. We are told they will call us after they do some calculations!! I have sent them everything and explained what and why I want them to pay us XXXX XXXX dollars. They have lied to and defrauded us for 19 years now. We spent all of our money paying house payments for a house that wasnt fit for sale in XXXX! Wells Fargo being the company that did the inspections title search, had a lien on it, and the fact no insurance company would insure the house, it needed brought up to code, which was all the plumbing, pipes, electrical upgrades for it to be up to code, needed a roof then. We were getting notices about unpaid taxes in XXXX,! 
Wells Fargo is still not doing anything to reimburse us or anything to make the last 18 years of Wells Fargos illegal activity and actions against us. I have asked for XXXX XXXX. In the whole situation thats nothing, it wont repair the damage from Wells Fargos actions to this day. The XXXX my wife suffered from. Knowing she had made the payments. The egregious amount of foreclosure payments late payments late fees death insurance payments other charges, to the illegal loan modification to the again, wells Fargo found guilty of the same problem, to the forced bankruptcy, which I established was illegal and fraudulent considering the actual fraudulent payments and mortgage statements XXXX XXXX payments bank payments.! Again Wells Fargo has been found guilty of and fined multiple XXXX dollar fines for the illegal activity and actions from Wells Fargo home mortgage company Wells Fargo bank na. And all the Wells Fargo companies that have a different name. I have proven they themselves, by XXXX, didnt know what they were doing or what was actually right. The loan modification documents alone show that. Along with The email address XXXX in XXXX, to the foreclosure notices in XXXX, negate any claims that we didnt make our payments and we used XXXX XXXX XXXX and made payments directly to Wells Fargo on the phone : For Wells Fargo to continue to deny us any compensation from 18 years of fraudulent and down right illegal activity the entire time, including up until now. Its been this way with Wells Fargo from the beginning of the loan process in XXXX! Its XXXX and everything I have said from the beginning. I have not only stated I have sent in evidence on top of evidence showing and proving what I have said has been true. I started in XXXX questioning where the payments were going. Im still trying to get compensated from a company that had XXXX XXXX in assets. They have been fined numerous times with billion dollar fines, on top of the multiple million dollars of fines as well. Im asking for XXXX XXXX dollars for 18 years of theft and fraudulent activities and the years Wells Fargo has caused not only emotional damage the physical health damage done is irreparable. Wells Fargo and their illegal activities have caused my wife numerous XXXX and a XXXX XXXX brought out full force from all the stress caused by Wells Fargo home mortgage company and Wells Fargo bank na, and all the companies Wells Fargo owns! Considering what they have and are still trying to take from us. 
XXXX XXXX doesnt even begin to cover the damage Wells Fargo has caused us. 
The fact we are still trying shows that Wells Fargo has no intention of compensating us any time soon. 
How Wells Fargo home mortgage or Wells Fargo bank na is allowed to be involved with money should be illegal. They have done more financial damage to the United States consumer ever! Wells Fargo needs disbanded and split up and dissolved. The 4.4 trillion in assets belongs to every consumer ever involved with Wells Fargo!

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