Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (IL)

I received a notice from wells fargo early XX/XX/XXXX telling me they can not give information to me. 

I was never on any loan nor is my name on title or in the deed of the land. There was never a purchase money loan made, the XXXX XXXX  XXXX XXXX helped to fund the construction loan of our XXXX XXXX XXXX homestead, which was paid off in full and discharged by XX/XX/XXXX. 

We just discovered that the unlicensed unregistered agent XXXX XXXX XXXX, using sham mortgage companies and illegally originating " loans '' without our knowledge or consent had used both XXXX as well as MY autograph to submit loan applications and " refinance '' what was a discharged obligation, which without any mandatory disclosure or consent worked to refinance the account, bundling charges for closings fees, which were never validated or verified over and over again. There is " debt consultation '' which i have no record on either of our credit reports, which we had printed annually and kept in our records. 

This was done by XXXX, without a license, or registration which ultimately his company " XXXX XXXX XXXX  '' was busted for " co-brokering '' fraud in XXXX. 

The Illinois Department of Licensing and Permits in a XX/XX/XXXX order found numerous predatory and abusive frauds this company participated in, revoking their Illinois registration and fining them {$100000.00}. XXXX was not cited in that order, however he is listed in the Illinois Secretary of State records as " co-owner '' along with his brothers XXXXXXXX XXXX XXXX XXXX, who are located at XXXX XXXX XXXX XXXX XXXX XXXX  Missouri, which is where the revocation went. 

This securities scam used counterfeit records, identity theft, forgery to convert the ownership interest into XXXX  ( XXXX ) as alleged " nominee '' for the fake lender. XXXX XXXX XXXX  is not now and never has been a depository institution. They can neither lend, nor receive accounts for escrow. I believe the XXXX XXXX title company has their hand in this, they used their notaries to falsify the records for the county land record filings. 

What the records provide is these co-conspirators flipped the account, in XXXX, XXXX, XXXX, XXXX, XXXX without disclosures, with NO BENEFIT to my husband or I. They claimed to " consolidate debts '' which is preposterous. Why would we move unsecured no interest debt obligations into a 30 year home mortgage? More-so there is no records of these purported accounts ever existing. 

I know for fact i was never a customer of either XXXX  XXXX or wells fargo or XXXX XXXX  or XXXX XXXX, and yet the records i have obtained from wells fargo in XXXX of XXXX and from XXXX bank in XX/XX/XXXX show my counterfeit forged autograph on each and every single purported transaction. Complete with notarized authentication which is fraud and a felony. 

I have reached out to the attorney general to report this fraud, as well as the field assistant director of the federal bureau of investigation, and i am still reporting these Entire racket as I audit and peel back the layers of deception and criminal extortion, and illegal kickbacks and violations of federal regulations. XXXX XXXX was also on the take, as was XXXX, XXXX, XXXX  and all the fake or fraudulent notarizations. 


One of which in XXXX purports that XXXX XXXX XXXX left his commission state of Illinois to go to Missouri to some former title company, allegedly where he acknowledged a closing which was initiated that same day. XXXX XXXX, who had been working with XXXX XXXX originated the XXXX, XXXX loan flips. None of which we were part of. 

Not a single transaction provided any benefit or money to our family. There was no cash out and all the paperwork is counterfeit. 

We are being foreclosed on currently despite having no loan or obligation on our private non commercial land, and the shelter we privately funded and built ourselves. Upon attempting service of process on XXXX XXXX  XXXX XXXX, now living in missouri, he told the server as memorialized in the court affidavit that XXXX would " not accept service because he has nothing to do with it. '' Then elaborated by stating he " never will accept service because he never has had anything to do with that company '' ... .my husband has been extorted out of hundreds of thousands of dollars for a loan he never owed. Only under the threat of imminent loss of family homestead and land he hunts and fishes on, did her pay, as he didn't know how to fight these criminals nor have the time or ability to discover all the things we have now. XXXX XXXX was a trusted friend at the time, this has been devastating to my husband and my family. XXXX XXXX  now is participating in harassment and extortion and wire and mail fraud and their process server ( which i have recorded ) maliciously perjured himself in the court, which i will be seeking redress for. Claiming I " hit my husband ( who was not there ) lied to the police ( which he called to my house to harass and intimidate me ) trespassed on my land, when signs were all around and can be seen in the background of the recording. He also claimed i screamed " XXXX XXXX '' which as a born again XXXX and a ministers wife is absolutely so defamatory and preposterous- all of which will be proven once the encounters recording is viewed. Slander of title and abuse of process in addition to simulating a legal process and violating public policy with the intent to further their criminal racketeering and extortion racket. 

I will be seeking criminal charges and filing 3949A with the IRS, among other complaints and reports.