Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX. Mortgage note signed in XX/XX/XXXX first payment was XX/XX/XXXX. For atleast the first 6 years they did not apply my payment to my note loan. Didnt find this out until they took my home on a non judicial foreclosure in XX/XX/XXXX. 

XXXX. The bank charged approximately 15 title reports throughout the loan, and approved equity strips to an id thief, using my home as collateral, my va entitlement, and my employment to be able to do this, the attorneys knew the id thief doing this, but still the servicer and counsel defaulted us, numerous times, and right after an equity loan was taken out. He associated all his loans he took on the property and recorded them on the XXXX website, we found this out by searching my va loan acct number and they popped up on the site. 
XXXX. I paid over XXXX, dollars for a XXXX note in 15 years, i paid over the required payment amount, usually XXXX payment was XXXX, as described on note. 
XXXX. No modification was ever signed, although they had one with a forged signature of mine, we had no idea this was hapenning, we kept paying, and gave them what they said they needed to cure the defaults. 
XXXX. The defaults occured every month for years, at times we would have to come up with XXXX at a time to cure these defaults and when they got the money they did not apply it, it was called corporate fees, it did not get applied, we sent them atleast XXXX, on top of the usual payments, we were not at all defaulting. They defaulted us, and knew what they were doing, XXXX. They never explained anything on the defaults, they never returned our calls. 
XXXX. They spoke with other people about our payments we made, and called people all the time, on the phone almost everyday, phone numbers show this and everything else in the mortgage file they handed to us in XXXX. 
That was 7 years after they took our home, and recorded the taking oof it, and a minute later they recorded a new property purchased by the same id theif seconds later, this is what we found that finally confirmed what we were figuring out. 
XXXX. The id thief was a client of the same attorneys the bank hired to collect. 
XXXX. Even thou the nj foreclosure happenned in XXXX, they were changing mailing addresses with the tax statements and mailing them to another address so we would not see that the loan was stilll active under my name in XXXX, six years after the taking. 
XXXX. In the mortgage file of XXXX pages, it shows them collecting XXXX XXXX XXXXs from XXXX department for the VA, the man that was theyre contact, is listed on the usa.gov as being let go from government contracts forever, for dishonewsty and everything else, this was afetr those 2 transfers of over XXXX thats right XXXX XXXX dollars. I will have to get his name the first name is XXXX, worked for XXXX  XXXX, but no longer. 
XXXX. I have the complete file from theyre own records, and we have been left with nothing, we are still trying to survive as everything we ever worked for was taken to pay for that house. 
XXXX esentially we were never going to own it, we can see this now. Another thing is, we never took a loan out on the property, we just paid and paid, but when they took it, the balance was more then it was 15 years prior, yes it was. we gave them over XXXX in 15 years, who would think a person would lose theyre home and foreclose when they paid for it. 
we are too old to recover from a financial hit this large, we have been thru a horrible ordeal, and now I get social security, only XXXX a month. 
They abused me intentionally, this bank and theyre attorneys, I have tried and tried to agree to a resolution with them, as they have been telling me this for last 5 years, and XXXX XXXX XXXX XXXXetters later, but all they do is evade my questions.

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