Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The dispute with Wells Fargo has been ongoing now for well over a year. 
On XX/XX/XXXX, an original CFPB complaint # XXXX was filed with the bureau and I am requesting it be incorporated by reference. The facts and circumstances which existed then continue to exist. I have attached all original documents with this filing which were a part of the original filing. 
What transpired after the original filing is classic Wells Fargo - delay, delay, delay - then misrepresent information to its own benefit. 
As additional support with this filing, I have attached the five ( 5 ) letters submitted by Wells Fargo - the last of which was also used in an attempt to terminate this investigation by CFPB - which refers to pending litigation and refers to a case # which does not exist. This referenced case was for a TRO to prevent Wells Fargo from improperly and unlawfully foreclosing on my home. This TRO was never converted to a formal civil action as Wells Fargo voluntarily withdrew and terminated its foreclosure action. 
In order to remove any further confusions and/or misunderstanding ( s ) for the CFPB, I also requested this action - filed in the Superior Court of XXXX Co, Ga., reflecting a correct case # XXXX, be withdrawn and filed a " Dismissal without Prejudice ''. A stamped copy of this Dismissal with Prejudice has also been attached to this complaint. 
Had Wells Fargo committed resources which they suggest and/or followed up with ANY of there internal review, it would have become evident that errors were made internally directly relating to its managing of my case file and loan. Unfortunately, WF has continued to " hide '' behind and within its process. 
To date, WF has yet to provide original loan documents requested by my attorney - we believe WF is unable to locate these documents. How can WF foreclose on this loan when they can not find the original documents. 
To date, WF has yet to respond, as required by the CFPB, to the original complaint and insists on hiding behind process and utilizes a civil action case # which does not exist. 
To date, WF has yet to address questions raised by correspondence dated XX/XX/2016 - a copy of which is included with this filing. 
To date, WF has yet to provide a detailed transcript of this loan. 
To date, WF has continued to add fees and costs, even to the insult of legal fees incurred to avoid its responsibility to respond to the CFPB or myself. 
To date, WF has yet to offer ANY form of resolution to this matter, other than a 'short sale ' which I do not qualify for due to the home being worth substantially more ( {$600000.00} ) than the balance on the note OR suggest a 'deed in lieu ' whereby I would simply walk away from my family 's equity in our home. 
The documents attached to this compliant are only a portion of the support documents previously made available to WF. These documents confirm WF had many opportunities, over a significant period of time, to address our numerous requests - the timeline document is quite telling. 
Unfortunately, I continue to believe, and WFs actions and/or lack of action, that all that has occurred is right out of the WF playbook. WF 's actions fall within the definitions of operating an " enterprise '' - with the intent to unjustly improve its financial position. 
It is old fashion fraud. 
As a direct result of this fraud, WF has totally made this home unsaleable - at a time when my next-door neighbors home sold in only ten ( 10 ) days on the market @ XXXX % of list. That property was listed at {>= $1,000,000} and sold for {>= $1,000,000}. 
We respectfully request CFPB to cause WF to be held accountable for these actions. 
Additionally, we request WF for similar type complaints and assess CFPB civil penalties where applicable.

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