Consumer complaint received 2019-04-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I contact your Office to ask for protection against Wells Fargo Banks foreclosures fraud, identity theft and illegal trades on my property, name and signature without any disclosures ; and failure to comply with its promises to help wrongfully foreclosed veterans. 

It is not a secret that Wells Fargo bank operates a massive Ponzi Scam in US Courts and illegal trading of void US securities ( aka XXXX non-existing REMIC Trusts mortgages ) where Wells Fargo, acting as a fake Plaintiff for a fictitious Trust, steal people 's identities ; obstructs justice and illegally foreclose while Wells Fargo received enormous profits, at least $ 3-4 million my property by secretly reselling the same loan multiply times without any disclosures to me or sharing any benefits from trades - plus got the free house and proceeds from the sale. 

The entire Wells Fargo bank 's scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger fraudulent scheme wherein the hidden players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks - without my knowledge, or consent, just by stealing my identity. 

A foreclosure initiated by Wells Fargo or defunct Trustees fails to comply with applicable law since none of them have the right to enforce the debt. ALL of them have received a benefit and some of them have received a windfall derived from trading on the borrowers signature on the note and mortgage in an amount far exceeding the principal amount loaned. And those benefits or trading profits were derived strictly because they were trading on the signature of the borrower, together with the borrowers name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. 

Judicial enthusiasm to give a free house to Wells Fargo bank via an empty nonexistent trust represented by a trustee with no trustee duties and whose authority derives from the nonexistent trust is to add insult to injury. When the market crashed none of the risk associated with this practice was absorbed by Wells Fargo or other banks that set it in motion. All of it was forced on borrowers who bailed out fraudulent banks with over {$30.00} Trillion taxpayers money even though they did not need a bailout but took it anyway. The banks ONLY concern is the preservation of the appearance of the loan as the base to a virtual tree and branches of derivatives that were traded in which WFB was not only relieved of any risk, but received trading profits equal to many times the amount loaned. All foreclosure litigation is thus a high stakes game for Wells Fargo bank who continue to conceal their true motives and intent. 

Governments approval of the fundamental breach of the lenders obligation to make a viable loan seems like quackery to then give Wells Fargo bank, who is not a creditor, a free house and the proceeds of sale. Given the trading on the borrowers signature, name and reputation without disclosure much less consent, it seems like outright theft to reward them with a free house and the proceeds of foreclosure. This scheme was conceived in the context of a belief that they could get away with it and so far. The painful truth is that most people who left their keys on a clean kitchen counter were delivering a free house to a band of thieves who had already XXXX them several times. 

On XX/XX/XXXX, President Obama announced that : Thousands of service members and veterans whose mortgages were wrongfully foreclosed on, or who were improperly denied lower mortgage interest rates in the national housing crisis, can receive significant relief. It is unconscionable that members of our armed forces and their families are among those who were most susceptible to losing their homes due to the unscrupulous acts of banks and mortgage lenders. He continued : " If you are a member of the armed forces whose home was wrongfully foreclosed, you will be substantially compensated. The same provisions were stated under the Consent Judgement of XX/XX/XXXX in case XXXX and the National Mortgage Settlement, which Big Banks like Wells Fargo failed to adhere to. Lenders promised to review all foreclosures affecting American service members from XXXX onward. Service members wrongly foreclosed on would be compensated equal to the minimum of the lost equity, plus interest, at least {$110000.00}, plus other relief. None of these promises were fulfilled. 

I am a XXXX XXXX of the XXXX XXXX  XXXX XXXX, who received special recognition in the fight XXXX  XXXX XXXX. Returning to XXXX life, I found myself the victim of XXXX XXXX wrongful foreclosure filed on XX/XX/XXXX, or almost immediately after Wells Fargo and XXXX XXXX XXXX agreed to comply with the Federal Governments Orders to Cease and Desist. During last seven years, not once have I received any assistance from Wells Fargo Bank, even after I repeatedly request them to review my foreclosure. 

Ive been subjected to endless bureaucratic and psychological torture committed by our countrys agencies as theyve failed me as a veteran, and a citizen. Again, I have never received a substantive response to my case every single response is a runaround letter. On the contrary, my foreclosure has turned into a major conflict. Wells Fargo Bank has hired an armada of lawyers, a force of two law Firms, with over 1,500 lawyers, against me, a solo ProSe female veteran. During the litigation, the enormity of our countrys corruption has been staggering. Not only does Wells Fargo have infinite resources to commit fraud against veterans, they have engaged a vast network of corrupt Illinois Court judges and politicians that aid and abet the Banks abuses against veterans. 

I once against respectfully request your Offices to use your authority to cease Wells Fargo Banks abuses and exploitations of American homeowners, especially veterans. I also request you to order Wells Fargo to comply with its promises under the Settlement, intervene in my case, and compensate me for other damages, including extreme emotional distress, total {$5.00} XXXX compensation requested. 

I also request a full audit for Natl Mortgage Settlement since Wells Fargo bank continues to operate its dark money laundering mill based on sales of illegal US securities ( aka fake REMIC Trusts XXXX ) to shady investors on foreign exchange markets, with full support from Judiciary and law enforcement authorities. 

Statement of Facts : On XX/XX/XXXX Wells Fargo bank acting under glimpse of XXXX Bank as Trustee for XXXX XXXX Trust, a non-existing fraudulent organization, filed a Complaint in Case XXXX where lawyer XXXX XXXX committed seven ( 7 )  perjuries on 3 pages, including a lie that XXXX was a Mortgagee for my loan with XXXX XXXX and Loan while XXXX was not a mortgagee. 

Lawyer XXXX also lied that XXXX Bank is a Plaintiff and Trustee who is acting on behalf of Trust XXXX XXXX while XXXX Bank is not a Plaintiff, not a Trustee and this Trust is a fake which never was formed has absolutely no signs of existence. Moreover, XXXX Bank personally deny any involvement in foreclosures. In support to this fraudulent complaint lawyer XXXX ( still practices law ) submitted a forged Assignment with a separate page contained a stamped signature of long-defunct XXXX official XXXX XXXX. All Summons and Notices were intentionally served on a wrong address to prevent me from appearing in this case. 

The first judge who handled this case and favorably ruled for Wells Fargo lawyers was XXXX XXXX XXXX, a well-connected judge from lawyers, bankers, realtors family, classmate with IL XXXX XXXX XXXX ( whose father XXXX XXXX is the most corrupt politician in Illinois ). XXXX ignored all violations, deficiencies, perjuries and forgeries committed by Wells Fargo lawyers ; disregarded defective service of process ( all Summons and notices were sent to unit XXXX while my unit is XXXX ) ; and favorably ruled for Wells Fargo bank whole lawyers from XXXX XXXX XXXX donated XXXX at least {$1000.00} for election. 

When I accidentally learned about this case, I appeared before XXXX and asked to vacate her void judgement, which she refused to do. Moreover, she threatened me from the bench and even sent me a criminal investigator to further scare and intimidate after I revealed her violations of the law and connections with Wells Fargo. 

XXXX recused herself from my case and it was assigned to XXXX XXXX XXXX, a well-connected judge who obtained his judicial seat through assignment from IL Democratic Party leader XXXX who regularly offers his patronage in distribution of judicial seats in exchange of donations and favors, of course. 

Lawyers from Wells Fargo bank were absolutely confident that Judge XXXX ( whose son served XXXX as political aid ) will rule in their favor and ignore all laws and my evidence and documents, so on XX/XX/XXXX they recorded a Deed on my property based on void Order entered by corrupt XXXX XXXX, which is a glaring violation of my Due Process rights ( do not exist for people like myself in Illinois ). 

XXXX XXXX ( whose brother-in-law XXXX XXXX was Wells Fargos top lawyer from XXXX XXXX XXXX, and whose entire family is heavily involved in banking business ), didnt fail his parties of interests. 

He completely ignored all my evidence and argument that the fake Plaintiff, Trust XXXX, does not exist and all evidence was forged and fabricated. XXXX was too busy cracking jokes about Murky XXXX practices while XXXX was not a mortgagee for my loan and had absolutely no relationship to this case. 

Moreover, XXXX refused to provide me a copy of a purportedly original document brought by Wells Fargo lawyers as a smoking gun evidence and claimed that it is exactly the same as attached to the Complaint, which was a lie. The document was not the same and lacked ANY chain of assignment, including forged stamped signature. XXXX XXXX even did not opened the Complaint to compare the documents when he ruled in favor of his parties of interests ; and criminally concealed this original document from the case records to defraud me and the Higher Courts. 

The Appeal Court Justices XXXX, XXXX ( both XXXX XXXX friends who received money from WFB lawyers ) and XXXX never saw the document concealed by Judge XXXX, so they ruled that since XXXX ( not a mortgage ) assigned its interest to non-existing REMIC Trust XXXX XXXX XXXX XXXX, they deny my Appeal and award my property to Trust XXXX XXXX who pretended to be a Plaintiff. This is absurd and totally void decision. 

Illinois Supreme Court refused to handle my Petition for review ( ProSe people are not considered as equal parties by IL Court and have absolutely no chance to receive any justice since Illinois Judges only support those who hire lawyers, preferably from their Family and  Friends JustUs Club ( as IL Court system is publicly known ) ; and those who pay judges directly. 

Since I relied on US Supreme Court numerous rulings that fraud upon the Court vitiates the entire proceedings and can be attacked at any Court and at any time, I appeared back to Judge XXXX Room and asked to vacate his void judgment and review my case de novo. 

XXXX refused to vacate his void Order and attacked me with threats. He even invited a fraudulent impersonator, lawyer XXXX XXXX XXXX, a public officer who spent at least 30 minutes of his taxpayers funded time as a Real Estate Tax Bureau officer ( where XXXX XXXX racks his million lowering property taxes for his well-connected friends ) posing as a criminal prosecutor who will hold me in criminal contempt for refusing to comply with XXXX void Order. When I discovered that criminal prosecutor XXXX is a fake, it became obvious that XXXX, who just lost his judicial election, was courting a vote from XXXX hoping to be assigned as an Associate Judge through XXXX connections with XXXX XXXX, in exchange of a small favor to scare me and deprive from my rights to Justice. All my complaint to XXXX XXXX XXXX and XXXX XXXX were ignored or responded with runarounds since all authorities always cover for corrupt judges in our State. 

My attempt to find Justice from Appeal Court also failed. Judges XXXX ( a crony to IL Supreme Court XXXX XXXX XXXX ) and XXXX, ( wife of well-connected lawyer XXXX ) denied my Motion to Stay sale due to void Judgement and my property was sold to a third party buyer who is currently in possession of stolen property. 

During all time in question Wells Fargo bank refused to communicate with me about this fraudulent foreclosure and referred to their lawyers, XXXX XXXX XXXX who also refused to talk to me hiding behind the back of their pre-paid judges. From XXXX to present time I received a binder-worth runarounds from myriad Wells Fargo bank telling me that my property was sold on XX/XX/XXXX, my foreclosure was filed in XXXX and even asking me if this foreclosure was valid. One employee  advised me that WFB does not have any documents about my foreclosure at all. 

All of it is a glaring violation of the Settlement supported and enabled by judges who repeatedly abused their positions of public Trust and power to deprive me from Due Process rights and enable WFB fraud upon the Court. 

At XX/XX/XXXX hearing of case XXXX, XXXX XXXX v. XXXX, et.al, XXXX XXXX XXXX continued the XXXX XXXX XXXX organized campaign of terror against a Pro Se litigant while protecting banks fraud in Illinois Court and personal interests of certain judges and politicians. At the hearing, XXXX used her position to not only to deny my Petition with prejudice but to also threaten me with armed police force by holding me in custody, against my will, without any cause and without any explanations in her court room after the hearing. XXXX, who earned her position through her personal connections, must resign from this case. My case must get a fair hearing with a judge who will not use intimidation tactics against innocent civilians in their court. 

Before the hearing started, XXXX XXXX court room was entered by a Sheriff ( XXXX, as I later learned from deputy XXXX  ), who was apparently called by XXXX XXXX ( she is in control of her venue ) who went to the Judges chambers hallway and called XXXX XXXX XXXX XXXX and the next room deputy XXXX to give them instructions. 

When the hearing started, XXXX XXXX XXXX denied my Petition with prejudice, without giving me any chance to argue it. She ignored US Supreme Court authority and disregarded over 100 years of binding precedents which rule that void judgments, like mine, can be attacked at any Court and at any time. Furthermore, she declared that the Decision entered by XXXX XXXX, XXXX, XXXX and XXXX in Case XXXX IL App ( 1st ) XXXX now is the LAW, which effectively legalizes fraud in Illinois and violations of all Rules and applicable laws. To remind all of you, my case was based on flagrant fraud upon the Court and Plaintiff XXXX Banks lack of standing, forgery, perjury and obstruction of justice. The XXXX decision cited by XXXX XXXX as the LAW in my case was entered by Appeal Court Justices who never saw key evidence due to corrupt XXXX XXXX obstruction of justice when he excluded documents based on which he entered his decision from my case file. Only based on this fact my case must be reviewed de novo by an independent judge. Besides heinously declaring fraud into law, XXXX XXXX used her position to cause me emotional and physical harm by attempting to falsely imprison me. 

At the end of the hearing, XXXX brought up my objection to XXXX decision by saying she was not going to address it that day and then left the courtroom. As soon as XXXX XXXX left, I was approached by deputies XXXX, XXXX, and XXXX who refused to let me leave the room and who had been stationed in the room since my arrival. All three officers were armed. 

XXXX XXXX demanded my drivers license, without even introducing himself. As I said above, I asked Deputies about his name, and it was given to me by deputy XXXX who said it was XXXX XXXX. I politely asked why he needed my documents. XXXX XXXX replied that he would tell me later. I asked the officers several times why I was being held in the Court room and why they needed my Drivers license, but all of them refused to give me an answer. When I asked if I could leave, I was told that I was in custody ( in fact, my custody under the law is considered as XXXX with armed force, solely with intent to scare, intimidate and coerce me to give up on my civil rights ). After about 20 minutes XXXX XXXX returned to the court room, gave me back my drivers license and left again. I asked deputies XXXX and XXXX, who continued to block the door from both sides, about what was going on and why I was in custody, they said that XXXX XXXX was searching for some warrants or any other cause to arrest me, and they will explain everything later. 

About 10 minutes later, XXXX XXXX shouted from XXXX XXXX hallway door that I was good to go without reappearing again. I asked again for an explanation for why I was detained for 30 minutes, which XXXX and XXXX just ignored. They walked away from me and left me there without any explanations, and without any apologies. It is important to note that I was alone in the room with these three armed deputies who were blocking the front door to prevent me from leaving ; and ready to arrest me in case I overreacted or attempted to fight back against their false imprisonment of me in XXXX courtroom. 

The officers illegally seized my license from me in violation of 4th Amendment and under duress without any warrant or cause. They detained me while looking for a probable cause to arrest me. My record is totally clean ; there were absolutely no grounds for holding me in custody since I did not show any signs of inappropriate or suspicious behavior. All my Motions to reverse void judgement are based on the law and numerous precedents ; and I ALWAYS present them in the professional and respectful manner to judges. 

It was obvious that XXXX XXXX orchestrated this false detainment ( which I consider as an aggravated XXXX to force me give up on my civil rights ) me in her courtroom, Room XXXX, for 30 minutes in an attempt to threaten and intimidate me and provoke a situation to cause mental anguish that might have instigated my arrest ; as well as intent to cause me body harm by placing under extreme emotional distress which XXXX definitely succeeded. 
XXXX malicious and intentional conduct ( since she was the only one who can call the Sheriffs and instruct them to detain me ) was heinous and beyond the standards of civilized decency or utterly intolerable in a civilized society. As the result, upon returning home I suffered from severe emotional breakdown, which I still can not recover from. 
This was clearly an attempt by XXXX XXXX to exercise judicial terror against me to deter me from exposing the Courts corruption and judicial ties to my plaintiffs. 

This was unquestionably a case of false detention, false imprisonment and XXXX where several armed individuals held another person a hostage, by fear, against her will to achieve certain unlawful goals, such as help Judges to cover for banks fraud upon the Court and  criminally and civilly deprive citizens of civil rights. 

Looking at XXXX XXXX record it is comes as little surprise that she is not a judge but a Mafioso in a judges robes : XXXX obtained her position as a judge through her husband, XXXX XXXX XXXX XXXX, who has publically known ties to the mafia corruption ( published in XXXX, Missing the Lifeboat?? book ), along with his long-time friends XXXX XXXX, XXXX XXXX and XXXX XXXX ; and his connections with corrupt judges like XXXX XXXX, who was closely related to the first judge in my case, XXXX XXXX XXXX who was XXXX clerk and who donated XXXX substantial amount of money. 

XXXX in XXXX lost her election, receiving only 22.4 % of votes, but in XXXX was appointed to her seat by the IL Supreme Court through her personal connections, specially taking into consideration Justice XXXX XXXX, XXXX XXXX XXXX work for XXXX husband, XXXX XXXX XXXX XXXX as his clerk. 

Between XXXX XXXX XXXX donated and loaned to herself over {$150000.00} for her election, which is synonymous to buying her seat. Some of her donors include : XXXX XXXX, uncle of XXXX XXXX who entered original void decision in my case, and who was closely connected to XXXX XXXX family, who ruled in XXXX decision. 

XXXX also received money from a number of lawyers from XXXX XXXX XXXX including partner XXXX XXXX and XXXX XXXX, who represent Wells Fargo bank ( acting under glimpse of XXXX Bank ), plaintiffs in my case, and substantial amounts of money from Big Banks. XXXX has no business presiding over this case given her blatant conflict of interest with my cases Plaintiff and her corrupt history in the court. 

While Judges in other States confront Wells Fargo bank fraud in their Court rooms and protect US citizens, certain Illinois judges, especially those who obtained their positions in corrupt manner, are willing to commit fraud themselves to cover for Wells Fargo bank money laundering mill of illegal US securities in IL Courts.

Illinois Judges always stood for Wells Fargo bank fraud upon the Court, in gross disregard of the law and evidence. 

As an individual I have absolutely no remedies against Wells Fargo fraud and judicial corruption even though my case is a text-book fraud upon the Court and IF US Supreme Court decisions means something to IL judiciary, the decision must be revoked and my case must be reviewed de novo. 

I once again respectfully request your help and attention to this matter and ORDER to Wells Fargo bank for compensation for abuses. 

Also, please advise does US Supreme Court still have any binding authority over local Courts or they can ignore it? When I mentioned US Supreme Court decision in XXXX  case that standing is required in every claim, Judge XXXX XXXX ( five times election loser assigned with XXXX XXXX patronage ) advised me that he is only obligated to follow IL Appeal Court decision ( based on fraud upon the Court ) and ruled in favor of Wells Fargo. 

Sincerely 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