Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

( This is a copy of an email I am sending to the mortgage-lender in question ) To : XXXX XXXX XXXX XXXX XXXX # XXXX, loan officer at XXXX XXXX XXXX in XXXX, Oregon, the C.F.P.B. whomever it may concern : It has come to my attention that it has been almost exactly nine years since the documents of my original mortgage were altered and remanufactured which changed my mortgage without my consent or knowledge, to something that was not what I was purchasing. 
It is my opinion that you/Wells Fargo/Citi owe me a little more than {$140000.00} in interest over nearly nine years. In fact, sir, I am owed 7.375 % interest on my money over the past seven to nine years. You altered and changed my mortgage with fake documents and back-dated the changes to XX/XX/XXXX ; nine years ago. 
The Federal Lawsuits in the XXXX attached pdf files below are very significant to you and me, XXXX XXXX. Please review them thoroughly. My mortgage has been bundled into a trust. Trust : XXXX XXXX. You facilitated and/or catalyzed the fraud in my mortgage, XXXX XXXX. Because of the XXXX Federal Lawsuits ; XXXX XXXX XXXX ' Retirement System vs. ( REFER TO PAGE XXXX OF THE XXXX PDF FILE ) ) which this mortgage is a part of, my note will be likely be canceled and then I 'm going after my {$140000.00} back at 7.375 % interest for nine years. You do the math and you will see how much you are ultimately responsible for, XXXX XXXX. This is not to mention the over {$7000.00} in closing-costs that is owed back to me and another {$5000.00} from Team XXXX. 
I have invested my entire being in this near decade-long nightmare and I 'm now finally able to prove that the mortgage contract was, and is bogus due to the illegal swipes of several pens and intentional document-fabrications by a number of people involved and you together with XXXX XXXX are at the top of that list, sir. 
As you may recall, this contract took place from XX/XX/XXXX through XX/XX/XXXX and then to XX/XX/XXXX under Wells Fargo at the downtown branch where you worked in XXXX, Oregon, and then XX/XX/XXXX where you worked at the home mortgage office in XXXX, Oregon. How about the two Federal suits for over XXXX? You are part of this liability. My mortgage is in trust : XXXX XXXX, so please make a note of it. 
I 'm simply forwarding this message to every email address publicly available on XXXX for your current colleagues at XXXX XXXX in XXXX, XXXX and XXXX to read, and to inform you that you are currently under a serious investigation. 
There have been so many altered documents and/or clearly fabricated documents which are all in my sloppy-looking packet from XX/XX/XXXX. A number of these papers have your signature and back-dates on them. What 's more, it appears that my previous agent, XXXX XXXX ( XXXX ), the seller 's agent, XXXX XXXX ( XXXX XXXX ) and XXXX XXXX of XXXX XXXX, were also involved. It 's just a matter of a little more time before I find the entire truth and turn the table on you. The day ( XX/XX/XXXX ) the original documents were altered and forged-documents were put in place, was also the same day that you called me requiring XXXX % more down on top of my existing {$45000.00} down payment ; {$18000.00} more which I reluctantly borrowed to keep the contract going. All of the other funds that I was told of as " fees '' associated, will be accounted for as well. This also includes the {$5000.00} I paid XXXX XXXX to break, what now turns out to be a fake timber contract, to keep the timber from being cut and to keep the real estate contract in place yet again. I 'm aware that any alterations and inconsistencies void the contract. XXXX, XXXX and XXXX Bank are now on the hook. I 'm pursuing the deeper issues, actual falsifications and forgeries which are federal crimes. ( The letter goes on, but I can not fit the remainder in this box )