Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX mother XXXX years old went to wachovia/wells fargo on XXXX XXXX, XXXX to get a joint refinance with cash back with daughter. Mom had XXXX ... The loan originator said it could not be joint but come back XXXX XXXX XXXX. Figuring to re sign the XXXX that could not be joint. XXXX XXXX the loan originator was extremely nervous and now I see why..She falsified moms income, assets, appraisals, RESIDENCE, CC you name it. I only found out and saw the paper the Uniform residential loan app in XXXX XXXX when I was on to the closing attorneys involvement in counseling my mother into signing fraudulent documents. I obtained the XXXX loan app from the lawyer as another asked me where is it I said its not in the closing folder. She said go get it and thats when I was onto what fraud went on here. In XXXX XXXX wells fargos attnys sent their exhibit and I almost fainted they have a XXXX loan with extreme income falsification and it was the same exact app except the loan originator switched income on her computer it seems.. Wells Fargo does NOT have the XXXX used at closing nor is it signed by XXXX XXXX and she changed the date to XXXX XXXX XXXX when it should have said XXXX XXXX XXXX ... The appraisal is wrong on both plus I have a paper that says XXXX could not be had if appraisal did not come in at XXXX she had that down on XXXX XXXX when it was not done till XXXX XXXX XXXX. If my mother had the kind of income XXXX XXXX put down she WOULD NOT HAVE BEEN sitting there ... Also an irrevocable trust used as an asset is wrong when mom only could get interest each month which varied ... So basically all she had was social security ... Plus mom had a reverse mortgage on her condo since XXXX. She gave XXXX XXXX her condo phone number and her condo address and XXXX XXXX was well aware of it.. On moms credit report as well.. There was intentional misrepresentation by XXXX XXXX and tricked my elderly mother who did n't read it nor initial each page. Someone switched applications it was not my mother. Just because she signed the XXXX does not mean she switched papers! How could she have done that I ask?? Also the closing attorney XXXX XXXX the banks agent defrauded my mother and counseled her into signing fraudulent documents. He stalled in mediation for 3 years to get by statue of limitations and was in with XXXX XXXX. When I was on to his and her dirty work XXXX XXXX got out fast as someone told him to his secretary lied as well. I then called lawyers whom I could not afford. They said oh the statue of limitations has passed I could not sue the bank or XXXX XXXX XXXX XXXX lost his license in XXXX from someone elses complaint. Secretary XXXX XXXX XXXX told me it was just a dollar.. I found out today from our attorney it was over XXXX from a client.. Plus XXXX XXXX said to me last time I talked as he said he could not be moms attorney anymore.He stated that he could not believe how bad that mortgage was!! I said Oh really do you mind writing it down he refused.. Plus where is the XXXX between the XXXX apps. Did XXXX XXXX and XXXX XXXX make money off defrauding my mother?? I am in strict foreclosure with one month of mediation and losing my house of 34 years due to this fraud and equity skimming..Plus how could we get any help with moms address being falsified and XXXX XXXX saying she lived there.. I could never understand why until I saw all of his papers and the fraud he and XXXX XXXX committed.. I have no money to fight this, I am losing my house have no where to go and mom was defrauded. XXXX XXXX is walking free, XXXX XXXX is walking free when they are the criminals NOT MY MOTHER.. Plus mediation of years was useless since the bank was working off a XXXX FAKE loan. They could not understand why there is no money from moms checking and trust to support loan. 
They know! /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