Consumer complaint received 2023-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I have been putting in complaints for years and Find a consumer complaint but it seems like no one at all in the cfpb wants to help me. 
My Bio i am an XXXX for over 36 years. What I am about to wrote is the truth. It seems no one at wells fargo wants to help me. So that's great lie to a Florida XXXX when she was trying to get a modification and then let her home she worked her entire life for with out any compensation m what XXXX is world do we live. I dance living and how do I get risks? 

I have read weeks fargos responses to all my complaints. I get the phone calls, I get modification applications that were sent to me. 
What would you do if you house was worth XXXX and you paid XXXX. And even i paid my modification would never be permanent and I would hand lost on anyway. How do I know? Because wells fargo never knew the internet would take off and social media would be a thing and that we would all find each other. Yes find each other. People would pay 18 to 24 months modifications and never get a permanent and then foreclosures would be filed and homes stolen. I couldn't put my fail my at risk like that. I was denied a modification in XXXX because my file was moved out of review XXXX XXXX and my next application was lost on XX/XX/XXXX. XX/XX/XXXX I received a foreclosure letter and XX/XX/XXXX I was served. How do you do this to a XXXX. 

# 1 i called to inquire about a hamp modification and how do I apply? I was told by multiple weeks fargo employees that I had to be 90 days late in order to apply. This was told to millions Why would wells fargo keep a record of that which would incriminate them. 
# 2 : I never received a demand letter i had to wait 3 months to apply for the hamp modification. Once I was 3 months late I sent all my documentation via XXXXXXXX XXXX ( with the XXXX XXXX modification they continued to lose all my documentation that I faxed, ) In XX/XX/XXXX I called a HOPE counselor set up by President Obama. We called wells fargo together. We were told they had all my documentation. 
2 weeks later the underwriter called me crying and then we both cried someone moved my file out of review on her day off. XXXX XX/XX/XXXX I received a new application and sent it via XXXX XXXX 
At 1st I was told they never received it. Then when I investigated and had a name of a person that signed it all of the sudden they received some documentation but not all??? 
I sent it all. 

# 3 early XX/XX/XXXX while they were still looking for my lost documentation I received a. Letter from a foreclosure lawyer. Isn't that dual tracking. I believe dual tracking is illegal. But if course is wells fargo they are aloud to break the law without any consequences to the people because we are just a number not a working florida XXXX of 36byears trusted to save lives # 4 1st foreclosure case dismissed because wells fargo did not produce any discovery ( discovery that was never produced was the amount of monies received from any insurance policy including PMI & credit default swap s never produced ) and the judge in XXXX XXXX XXXX XXXX would not except any fake documents And my note had a stamped signature of XXXX XXXX XXXX. XXXX was just on 60 minutes that year they paid people 10 $ an HOUR to stamp PROMISSORY NOTES. Stamping is fine but to be authentic it has to be notarized. How could a home be stolen without a notarized signature but an assignment of mortgage is notarized. Many times in different states then the servicer So the judge discussed the case. 
He was know to say '' do not come to my court room with fake documents as an Assistant district attorney i took people 's freedom away for a living. No one 's freedom could be taken away with fake documents so I will NOT ALLOW homes to be taken away without original documentation " So case dismissed because wells fargo knew he would not take fake documents # 5 i never received a 2nd demand letter # 6 why would anyone apply for a modification while in foreclosure? And then pay 3 trial payments and lose the house anyway. I think wells fargo forgot the power of the internet. 
People were paying these trial payments sometimes for 2 years without any permanent modification and lost their homes. I think they didn't know we would find out that this scheme was a money grab because at .91 days pmi and credit default swaps pay off the mortgage # 7 yes nationstar took over servicing. I paid them 3 trial payments from the advice of my lawyer. Hoping they would be fair and they offered me a predatory modification 40 years and XXXX balloon. So we had a set trial ( something florida does ) the judges, again a good judge, and both defensive and plaintiff what they are presenting at trial. 
XXXX admitted and it is on my Docket, that they had no original documents and the judge continued the trial. 
XX/XX/XXXX my home was stolen by XXXX  Using a lost note affidavit, no discovery, just the hand shake of lawyers and judges. 

So I would take what wells fargo says with a grain of salt. They would not keep any data that would incriminate them. I do not know why the CFPB believes them weren't they fined billions of dollars. Of course I won't see a of penny it. 

Maybe then The CFPB will hold wells fargo account for causing millions of foreclosures in a money grab scheme They never told me that I was never eligible for a hamp modification, oops. That was only for FHA mortgages and I had a conventional. 
Wells fargo is a criminal enterprise causing crimes against humanity. Causing the theft of millions of homes. We should be protected On XX/XX/XXXX when my house was stolen by servicer # 3 XXXX the mortgage wasn't even on my credit report. It was past the statute of limitations. But for some reason the judge and lawyer felt that my rights meant nothing and let servicer # 3 take my home in a foreclosure. They didn't even own it because they paid XXXX $ for it at an auction that no one in my county bothered to tell me about. 
Why is everyone in cohoots to take our homes. Homes from an Florida XXXX of 36 years that has given her life for the public good. Why were those judges not protecting and let them take my house so we just found out that wells fargo was fined again makes no sense because wells fargo has no records of doing bad things.why would they? Has anyone else tried to contact cfpb? 
I was wondering how many were told by Wells Fargo you had to be 90 days late in order to apply for a HAMP modification and then lose the documents and dual track you into foreclosure? 
This losing of my house didn't break me, I don't cry anymore but as a Florida XXXX of 36 years I will retire in 5 years. I can never make my equity in my lifetime I am for compensate me for the loss wells fargo caused. 

Thank you XXXX XXXX XXXX XXXX

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