Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XX/XX/XXXX with my mortgage company being XXXX XXXX XXXX. The federal government closed XXXX XXXX down for fraud in which they sent me paper work my mortgage was sold to XXXX with XXXX XXXX as the servicer of this loan. I had some financial problems in XX/XX/XXXX in which I tried to modify my loan five times. I was doing everything I was asked, but rejected by XXXX XXXX XXXX. The next thing I know I had Wells Fargo trying to foreclose on my home in XX/XX/XXXX. Which I hired an attorney and tired to fill a complain with FTC, but due to being in litigation nothing could be done. I was then being threatened by Wells Fargo who owns XXXX. I wrote a letter asking who owned my house in XX/XX/XXXX as Wells Fargo claimed they owned it. I provided a letter I received on XX/XX/XXXX from XXXX who said they only service the loan for XXXX and assist on behalf on the noteholder. I again in XX/XX/XXXX asked XXXX who owned my loan which I received another letter dated XX/XX/XXXX that they said I would need to subpoena them for information and once again said they were not sure who owned the loan as it was unclear, but had XXXX listed again. is XXXXWells Fargo in the business of collecting money on loans they don't know who owns them or trying to align themselves to steal and do a back door deal with my home loan to foreclose and steal my home? I was had gone through three attorney 's before a hostile attorney XXXX XXXX who represented Wells Fargo claimed that Wells Fargo owned my loan. I never have any paper work or indication of this. We had a deposition in which I asked him to see the original blue note, which he refused and said its in a warehouse in Washington D.C.. Why not come clean if you own it? We found out that one of the judges on this case worked for Wells Fargo in which my mother figured out to ask him to recuse and disqualify himself after making years of ruling against me in favor of wells Fargo. I was able to work out a loan modification to save my home, but was put in a 40 year modification and they added a bubble payment of interest of XXXX on the back end of the loan. I will be dead before I can ever pay off this crooked loan along with XXXX in  interest in a bubble payment. This is the highest fraud in which I needed to take a few years away to financially get things in order. I even provided correspondence with the trustee for XXXX XXXX who clearly stated XXXX owned the loan with XXXX servicing the loan. I have contracted XXXX in which they have never heard of me in their system. I feel wells Fargo does not own my loan, they have committed fraud on the highest level to defraud me of my home. I ask that Wells Fargo must provide the original blue note which I know they do not have. I feel the payments that I have made to them with their letter in XX/XX/XXXX not sure of who owns it, was a fast way to appease me and align themselves with stealing the loan. I also provided a recent copy of my credit report where it shows that Wells Fargo after all these years starts to give me credit or reported it starting in XX/XX/XXXX if they claimed they have owned this loan for years, why would they only report it recently. I feel the people who committed this atrocious crime should be put in jail and Wells Fargo be made to produce the paper work along with pay me for their fraud over the last nine years as they do not own my home. I ask for a review of this and justice.

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