Consumer complaint received 2017-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
THIS IS NEW COMPLAINT THAT DEVELOPED ON XX/XX/XXXX AND IT SHOULD BE ADDED TO MY OLD COMPLAINT SUCH AS XX/XX/XXXX, XX/XX/XXXX ETC. 
VIOLATION OF RESPA, CORRUPTION, MONEY LAUNDERING BULLYING AND TAKING ADVANTAGE OF POSITION. 

DATED XX/XX/XXXX This is not an old compliant that should be included with XX/XX/XXXX, or XX/XX/XXXX or any past complain. There should no reason what so ever to delay my other complaint to be provided full response since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. 

Its been since XX/XX/XXXX I have not been provided with back up documents why unpaid balance on XX/XX/XXXX letter as {$47.00}, XXXX which included {$19000.00} escrow account. 
I have been not provided why on XX/XX/XXXX extra {$25000.00} is for what and I have not provided any back up documents. 
I have also not been either sent refund or my account credited for {$7500.00} MONEY LAUNDERING Law requires Wells Fargo Bank to credit my payments as soon they are received and not hold on to the payments for 4 years. WFB is involved in money laundering for neither send me refund, nor crediting my account for close to 4 years. My request on XX/XX/XXXX to correct the error has been futile. WFB has no intention and to correct the error, apply payments to my account and has refused send me refunds. I spoke to manager XXXX XXXX and explained him to correct modification documents and either credited my account for XX/XX/XXXX payments. He agree with me amount should be broken down and provide me his email I received no response. I made multiple phone calls sent multiple email was sent XXXX XXXX neither replied any of my email neither has return of my phone message. He also did not answer of my phone calls after my first telephone conversation. Close to 20 emails and unlimited phone message has been left for XXXX XXXX none has been responded. WFB have been informed multiple method about the error or money laundering but they stubborn n and ignorant to correct this taking its position to WHO CARES CORRUPTION Since XX/XX/XXXX etc ; WFB has not provided any answers to my dispute had asked closed to 60 extensions to me answers with back up documents. One my request since XX/XX/XXXX was that documents provided for modification after receiving funds from Keep My Home CA had the following errors that needed to be corrected. As of XX/XX/XXXX WFB has not corrected or provide any reason why documents was right and could not be corrected. 
1. Total balance on the account was not correct.
2. Total unpaid on XX/XX/XXXX balance was also not correct 3. WFB has not applied my payments of XX/XX/XXXX to my account for close 4 years 4. Escrow balance and payments were wrong 5. Based on XX/XX/XXXX letter unpaid balance of {$47.00}, XXXX XXXX. At the end on XX/XX/XXXX modification document unpaid {$73000.00} XXXX. Additional or extra {$25000.00} WFB has not provide any back documents and this has been added to my account in matter of few months. 
On XX/XX/XXXX I emailed entire modification documents emailed to manger XXXX and I asked XXXX XXXX to respond to me after receiving entire documents that they were received. 
On XX/XX/XXXX I received email confirmation modification documents was received. ( Attached ) On XX/XX/XXXX I dropped off sealed envelope fully paid and was provided by WFB to XXXX XXXX and was delivered to WFB on XX/XX/XXXX at XXXX XXXX received and singed by XXXX XXXX. ( Attached ) On XX/XX/XXXX I left voice mail message for XXXX XXXX to find if I should get another sets of documents or need to get an update. I received no return phone call from XXXX. On XX/XX/XXXX I sent email to XXXX inquiring the same that should I be getting any further documents from WFB and since it was after 2 weeks I have no idea what was going on. ( Attached ) On XX/XX/XXXX late in the afternoon I received phone call from XXXX and she told it seems WFB is returned funds to XXXX and she no further information it was in process. Upon getting further information she promised she will advise me or provide me more information. 
On XX/XX/XXXX I called WFB and it was closed so I left voice mail message for XXXX XXXX to return my phone call. 
On XX/XX/XXXX I called WFB around XXXX XXXX and spoke to staff named XXXX XXXX. I asked to speak to manager I was told hold on he phone and after she came she told me XXXX was answering his phone she had sent and email XXXX has not responded. She than told she will send another email to XXXX lead and than informed lead has not responded to email as well. I than asked to speak to manager again she send another email to manger and than informed manager also did not respond to he email. She than informed me may they all are in meeting and that is why no one respond to he emails. 
I than asked her if she can see anywhere in my accounts funds has been returned to XXXX. I was told no but I was informed my modification documents has not been received by WFB. Told her I have email confirmation on XX/XX/XXXX it  received and XXXX delivery confirmation. At that point she said XXXX was back on his desk and transferred the call to XXXX. 
I asked XXXX about funds being returned to XXXX he explained me my documents was supposed to have been received by XX/XX/XXXX and since it was not received by WFB by XX/XX/XXXX funds was returned to XXXX on XX/XX/XXXX. 
I than told XXXX I received an email conformation on XX/XX/XXXX he never stated in his emailed funds were returned on XX/XX/XXXX. I was explained that he never send emails. I told him my email was sent to manger XXXX and it was XXXX who replied conformation. I further told he call me on XX/XX/XXXX which agreed and I told in that recoded conversation he did not mention funds will be returned and documents was supposed to be received by WFB on XX/XX/XXXX. I than told I have received multiple letters mostly from him after XX/XX/XXXX and so do CFPB has received multiple extension none stated funds were returned or will be returned and final date to received modified documents was XX/XX/XXXX. 
I than requested to speak to his mange and XXXX named manager came on line. She told my issues have been almost competed and I should get response in writing soon. She also stated to me final date to received documents was XX/XX/XXXX. I told her multiple and multiple extension has been received in writing, phone calls and through CFPB none stated about final date to receive modification date was XX/XX/XXXX. 
I than told her I received email confirmation on XX/XX/XXXX it did not state final date was XX/XX/XXXX and funds has been returned on XX/XX/XXXX. She again told me funds were returned on XX/XX/XXXX. She further stated to me she will look to entire stuff and get back to me within 24 to 48 hours. She also stated to me investigation into my complaint dose not indicate there was any problem and all payments and other funds have been properly applied. 
I called back to CEO XXXX XXXX office spoke to XXXX she told me I have called multiple times and she will have to transfer call to mortgage corporate office and the call was transferred the call. I spoke to XXXX XXXX explained her of the above she asked me she sits next to XXXX XXXX and she had entire conversation and as sated within 24 to 48 hours above issues will be provided. I than asked her of she fax number so I can send email confirmation her. She did provide me her fax number and phone number. I than requested that please answer my calls and return my messages since XXXX XXXX dose not do that. I did set the fax with email confirmation dated XX/XX/XXXX and received phone call from XXXX. I called him back on XX/XX/XXXX he confirmed to me fax was received on XX/XX/XXXX. 
I again asked XXXX that so many letters was received after XX/XX/XXXX for an extension none sated final date to submit modification documents was XX/XX/XXXX. Neither I was phone discussion with him on XX/XX/XXXX he sated about final date was XX/XX/XXXX. Nor CFPB was informed neither its states in his email funds was returned. He gain reiterated to me he dose not send email and due date was XX/XX/XXXX and funds was returned on XX/XX/XXXX. 
Its over 48 hours I have received no information from WFB. 
I called XXXX spoke to XXXX and she than twisted things little bit and stated to me she was able to see funds being returned on XX/XX/XXXX and funds was received on XX/XX/XXXX. She told me things are done differently in their office it is done electronically. By using electronically funds should not take about one month to be received by XXXX. She did not provide me reason why it took abut one months to received funds. On XX/XX/XXXX XXXX from XXXX also contradicted herself by stating she could see funds being in process of returned but funds was officially returned on XX/XX/XXXX. On XX/XX/XXXX XXXX never stated to me she could funds being returned on XX/XX/XXXX. 
Based on my discussion with XXXX on XX/XX/XXXX I was explained XXXX could see funds are being returned but she had no detail as on that time. My email to her on XX/XX/XXXX confirmation from WFB nothing was stated that on XX/XX/XXXX funds was returned when according WFB funds was returned on XX/XX/XXXX ( Attached ) also she contradicted herself on XX/XX/XXXX she stated she could see funds were being returned on XX/XX/XXXX but did not mention this to me XX/XX/XXXX. 
WFB is involved in corruption letters sent to me, phone calls made to and to CFPB no stated funds were returned or last date was XX/XX/XXXX. There was never at any point of time during my phone conversation, email to manager XXXX, letter I was informed last date to receive documents was XX/XX/XXXX. Email conformation attached was dose not indicates that. About 20 email to XXXX XXXX not even singe was replied what I call BULLING AND CORRUPTION. ( Attached ). XXXX has no excuse and that XXXX XXXX was not getting my email. My email with documents emailed to him in which I asked him to confirm me if entire documents were received and he did. 
Email confirmation which was received on XX/XX/XXXX dose not state funds was returned on XX/XX/XXXX.  DOJ and FBI will be filed complaint to investigate this corruption. 
Even if the funds were returned on XX/XX/XXXX XXXX never received it until XX/XX/XXXX close to one month late. No funds was returned on XX/XX/XXXX but it was received on XX/XX/XXXX and it was re tuned around XX/XX/XXXX. DOJ will and FBI will have investigated this corruption and fraud. It dose not even takes mail to arrive about one month it normally takes 2 days. Here funds were received on XX/XX/XXXX and I have recorded discussion form XXXX on XX/XX/XXXX. Its just corruption by WFB. I have recorded conversation with XXXX from XXXX on XX/XX/XXXX she confirmed to me returned funds was received on XX/XX/XXXX. 
BULLING AND ADVANTAGE WFB by holding lien is bulling us which I have stated before and stating this. Now. 
On XX/XX/XXXX I had telephone discussion with XXXX who called me to request for an extension to provide my answers to my dispute items. He did not stated to me in the conversation which is recoded yesterday which was XX/XX/XXXX was last to get the singed documents and it was late. Will provide that recoded conversation. He never stated funds will be returned CORRUPTION AND FRAUD Multiple letters received by XXXX after XX/XX/XXXX dose not states funds was returned because last date to provide singed documents was XX/XX/XXXX. ( Attached ) WFB is taking advantage its position by holding line that they can decided either way and I have to accept it. From XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX I have not received my disputed facts with back up documents why they disagree or agree. 
ONLY THING I HAVE RECEIVED ABOUT 60 EXTENSIONS Like wise my XX/XX/XXXX letter over close to 100 pages has not been received with back up documents why WFB agrees or disagree. Neither they have provided to CFPB. All WFB has done is kept asking for extension and close to 60 extension has been made to provide me an answers. Despite this manger XXXX insisted with me there is nothing wrong with amount and all are correct. Accounts are not the only issues but there are many other issues and manger XXXX is incompetent state to me all are correct. I will prove her wrong if she ones to get 3 party conference with CFPB and Senator XXXX. 
As she stated amounts are correct she must leave WFB for stating amounts are correct when attached documents indicates XX/XX/XXXX payments has not been applied to my account. It indicates its sitting in un applied funds. Manager XXXX is incompetent should reign for providing me wrong information which is recorded. 
Like wise manager XXXX amount on XX/XX/XXXX letter un applied balance was $ {$47.00}, XXXX and modification documents of XX/XX/XXXX was {$73000.00} additional {$25000.00} she just can tell me that is correct but provide me back up copies what extra {$25000.00} has been added for and why. She must provide me beck up documents why {$25000.00} was added so far I have not been provided but illegal, fraud and corruption. 

RESPA VIOLATION 1. My dispute if XX/XX/XXXX WFB has neither acknowledged within 10 days or provide me any answers within 30 days as required by law. 
2. My disputed latter of XX/XX/XXXX was acknowledged within 10 days but I have not been provided any answers or response to my inquiry after 3 months and law require only 30 days to respond to inquiries and not indefinite. 
3. My payments of XX/XX/XXXX has neither be credited nor applied to my account or I have been sent refund. 
4. My letter sent to WFB to correct the error XX/XX/XXXX has not been either corrected, or I have received any acknowledgment in 10 days or have been provided response within 30 days as required by law. 
5. WFB is involved in money laundering payments that was received in XX/XX/XXXX should been credit or applied to my account at that time. Its been close to 4 years my payments has neither been credited nor applied to my account. Neither have I been provided refund as per my request in my email letters which included on XX/XX/XXXX 6. WFB refused to provide me why {$25000.00} was added with back up documents for close three months. Law requires them to provide me my inquiry to be responded within 30 days. 
7. WFB has not provided any back up documents why it has overpaid escrow account for close to 11 months and law requires them to provide me inquiries within 30 days. 
8. XX/XX/XXXX I left message at XXXX XXXX not received no phone call. Called him about noon he told he had not heard his message. I asked home to give me brake down of {$73000.00}. He told me he can only give principal balance of {$120000.00} and escrow has negative $ XXXX but can not give answer to interest he is still doing research and he has time until XX/XX/XXXX to respond, ON XX/XX/XXXX PHONE CONVERSATION HE DID NOT STATE HE HAS NOT RECEIVED MODIFICATION DOCUMENTS AND I HAD LAST DATE WAS XX/XX/XXXX AND HE HAS NOT RECEIVED THE DOCUMENTS 9. ON THE PHONE CONVERSATION HE DID NOT STATED HE NOT RECEIVED MODIFICATION DOCUMENTS AND I HAD LAST DATE WAS XX/XX/XXXX AND HE HAS NOT RECEIVED THE DOCUMENTS RETALIATION After I asserted my rights to file complaints with Senator XXXX XXXX, Congress XXXX, Assemblyman XXXX XXXX, Comptroller of Currency, FTC, Attorney General of IA, Attorney General of CA etc. 
WFB has just retaliated with me by returning funds to XXXX after some time in XX/XX/XXXX and now lying to me funds was returned on XX/XX/XXXX. Its dose not takes close to one month any types fund to be returned close to one month or 25 days via electronic fund transfer. Its also fraud to state to me on XX/XX/XXXX funds was returned on XX/XX/XXXX neither in any letters after XX/XX/XXXX states, in any email to the manager, to CFPB and phone conversation stated to me funds will be returned after XX/XX/XXXX. None of the letters attached after XX/XX/XXXX states funds was returned on XX/XX/XXXX. 
Its part of retaliation for me asserting my rights after WFB its has been bulling us, violating laws and retaliating against me. 
No funds were returned on XX/XX/XXXX and no funds were received around XX/XX/XXXX by XXXX. No funds were received by XXXX anytime in XX/XX/XXXX this is just simple Fraud and Corruption. Funds was received XX/XX/XXXX dose not indicates its was ever returned on XX/XX/XXXX and is part of retaliation. 
Multiple letters ( attached ) received after XX/XX/XXXX dose not indicate final date was XX/XX/XXXX to send singed documents. Neither it stated funds were already returned is part of retaliation. 
Like wise CFPB has received multiple notice of extension of time to provide response to my inquiry and none stated final date to provide since documents was XX/XX/XXXX also of if retaliation. 

I WOULD LIKE REITERATE WELL FARGO NEVER DISCUSS WITH ME ANY TIME FUNDS WILL BE RETURNED AFTER XX/XX/XXXX IF DOCUMENTS WERE RETURNED BEFORE THAN NEITHER I WAS INFORMED IN ANY WAY FUDS WERE RETURNED ON XX/XX/XXXX. I ONLY CAME KNOW FUNDS WERE BEING RETURNED THROUGH XXXX AFTER I HAD SEND EMAIL TO FIND OUT THE STATUES OF MODIFICATION ONCE AGAIN THIS IS NEW COMPLAINT THAT DEVELOPED ON XX/XX/XXXX AND IT SHOULD BE ADDED TO MY OLD COMPLAINT SUCH AS XX/XX/XXXX, XX/XX/XXXX ETC ; AND DATE OF COMPLAINT FILED IN XX/XX/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 non-monetary relief