Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016, XXXX XXXX XXXX reported the Consumer Financial Protection Bureau ( CFPB ) and Comptroller of the Currency ( OCC ) say more than XXXX XXXX accounts were opened fraudulently by Wells Fargo deceptive employees, resulting in Wells Fargo being fined {$180.00} XXXX and terminating the employment of XXXX corrupt employees. 
The same massive pattern of fraud perpetrated on the XXXX XXXX accounts continues to date at Wells Fargo Mortgage Loan Modification, and Loss Mitigation Department. Numerous online complaint forums demonstrates this Bank and its employees considers themselves to be above the law and are intentionally violating XXXX Program XXXX XXXX XXXX, and California XXXX XXXX 

Wells Fargo Mortgage illusive employee 's scam currently being perpetrated on home owners thru out the state of California in violation XXXX and XXXX is well documented by us and we can provide detail dates of events to support our contentions. 

In our case, each complete application submitted for a Loan Modification pursuant to the XXXX Program XXXX XXXX XXXX, Wells Fargo Mortgage and its employees will call the next day after receiving the documents to say we do not qualify. When we request for an explanation in writing, we are being told a letter has been sent to us which never seem to arrive in our mail box. 

It should be noted, we have no problem receiving any piece of mail from other parties such as utilities, families and friends from across the XXXX, including Wells Fargo Mortgage monthly mortgage statements indicating pass due and late charges which always seem to arrive in the mail on a timely manner, nonetheless the letter denying us a Loan Modification or the appeal forms to appeal the Banks decision never seem to arrive in our XXXX Mail box. After repeated phone calls and letters to the office of the president ( see attached letter ), we are being told Wells Fargo Mortgage Loan Modification Department records indicates we were notify in writing. 

Similar to the ill-defined Wells Fargo Bank employees responsible for fraudulently opening over two million unsolicited accounts, we are convinced a comparable pattern of fraud exist with the bank by creating denial loan modification letters for its record and intentionally not mailing such letters to the home owners, therefore denying all Home Owners the 30 day period mandated for an appeal, while circumventing XXXX and California XXXX law and proceed to foreclose on the same properties that would have qualify for mortgage assistance. 
The mere fact that thousands of employees at Wells Fargo were involved in opening accounts and moving funds that resulted in customers getting charged fees for services they never requested according to the regulators. 
While we are aware the CFPB does not represent individuals in such matters, there is probably cause which warrants an objective investigation into the number of home owners thru-out XXXX that are victims to Wells Fargo Mortgage continuing circumvent and violation of XXXX Program ( XXXX and other applicable federal and state laws.

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