Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Dear the CFPB This is one of my many complaints against wells Fargo. The most recent complaint was closed because wells Fargo sent me a print up of all the trial modification applications they sent me, ALL while I was in foreclosure. Let me refresh you on my story. I will in a moment. First of all Recently I received a XXXX XXXX mailer from wells Fargo. In this mailer were all the modifications they sent me applications for while I was in the foreclosure process. As far as I know dual tracking is illegal. Why would I apply for a modification and pay a trial modification while I was in foreclosure. I heard many homeowners did pay these trial modifications and at 3 months were supposed to get a permanent. They would pay from 18-24 months and still get a foreclosure and be evicted. To me it sounds fishy that I would not be part of the illegal activities and be sent my XXXX for what they did to me. 
I have a question does anyone for the CFPB actually read these complaints or sent right to wells Fargo? 
There was an article by XXXX that states wells Fargo has contacted the homeowners they illegally foreclosed on. HOW? We were foreclosed on where are they sending the information everyone moved. 
This is a USA tragedy that you are allowing this to happen. 
Here is my story once again # 1 I called to inquire about a hamp modification and how do I apply? I was told by multiple wells Fargo employees that I had to be 90 days late in order to apply. This was told to millions of people. I am in the process of collecting sworn affidavits from other wells Fargo customers who were told the same directive. You can not deny and lie when multiple people have sworn to this. Why would wells Fargo keep a record of that which would incriminate them? 
# 2 : I never received a demand letter I had to wait 3 months to apply for the hamp modification. Once I was 3 months late I sent all my documentation via XXXX XXXX ( with the XXXX XXXX modification they continued to lose all my documentation that I faxed, ) In XX/XX/XXXX I called a XXXX  XXXX set up by President Obama. We called wells together. We were told they had all my documentation.2 weeks later the underwriter called me crying and then we both cried someone moved my file out of review on her day off. Mid XX/XX/XXXX I was sent a new application and sent via XXXX XXXX. At 1st I was told they never received it. Then when I investigated it and had a name of a person ( XXXX XXXX the supervisor of the delivery person. You never forget a name when your house is being stolen illegally ) that signed it all of the sudden they received some documentation but not all??? I sent it all. 
# 3 early XX/XX/XXXX while they were still looking for my lost documentation I received a Letter from a foreclosure lawyer. Isn't that dual tracking. I believe dual tracking is illegal. But if course its wells Fargo they are allowed to break the law without any consequences to the people because we are just a number not a working Florida XXXX of XXXX XXXX  trusted to save lives. 
# 4 foreclosure case XXXX XX/XX/XXXX ( notice the time of year. Where XXXX was I going to find lawyer on that date all offices closed for the holidays. Have no fear I had lawyer already. We met the paralegal in the office in downtown XXXX on XX/XX/XXXX he remained my lawyer until losing his bar license XX/XX/XXXX ) this case was dismissed XX/XX/XXXX because wells Fargo did not produce any discovery and the judge in XXXX XXXX XXXX XXXX would not except any fake documents And my note had a stamped signature of XXXX XXXX XXXX. XXXX was just on XXXX minutes that year they paid people XXXX $ an HOUR to stamp PROMISSORY NOTES. Stamping is fine but to be authentic it has to be notarized. How could a home be stolen without a notarized signature but an assignment of mortgage is notarized why not a note. So the judge dismissed the case. He was known to say '' do not come to my court room with fake documents as an XXXX XXXX XXXX I took people 's freedom away for a living. No one 's freedom could be taken away with fake documents so I will NOT ALLOW homes to be taken away without original documentation So case dismissed because wells Fargo knew he would not take fake documents # 5 I never received a 2nd demand letter # 6 yes XXXX  took over servicing as wells Fargo stated. I paid them 3 trial payments from the advice of my lawyer. Hoping they would be fair and they offered me a predatory modification. 40 years and XXXX balloon. So we had a set trial XX/XX/XXXX. ( Something Florida does ) the judges again a good judge, and contacted both defensive and plaintiff asking what they are presenting at trial. XXXX admitted and it is on my Docket, that they had no original documents and the judge continued the trial. 

# 7 new trial set on XX/XX/XXXX. Servicer # XXXX XXXX On XX/XX/XXXX when my house was stolen by servicer # XXXX XXXX  the mortgage was of my credit report. It was past the statute of limitations. But for some reason the judge and lawyer felt that my rights meant nothing and let servicer # XXXX take my home in a foreclosure. Didn't own it because they paid XXXX $ for it at an auction that no one in XXXX XXXX bothered to tell me about. This judge and lawyer didnt care about original documentation makes you wonder. 

So I would take what wells Fargo says with a grain of salt. They would not keep any data that would incriminate them. I do not know why the CFPB believes them. But I am on process right now of collecting affidavits from other homeowners that were told to be 90 days late in order to apply for the hamp. Modification. Maybe then The CFPB will hold wells Fargo accountable for causing millions of foreclosures in a money grab scheme. Wells Fargo is a criminal enterprise causing crimes against humanity. Causing the theft of millions of homes. We should be protected XXXX is everyone in cahoots to take our homes. Homes from someone like me a Florida XXXX of XXXX XXXX that has given her life for the public good. Why were those 2 judges protecting me and the XXXX let them take my house Time to blame wells fargo and give me what is owed to me Thank you XXXX XXXX XXXX XXXX