Consumer complaint received 2015-05-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I, ( XXXX XXXX ) filed several complaints against WFB due to their dishonest fraudulent procedures regarding their willful failure to comply with the Wells Fargo Assurance act of XXXX. I am sad to report to you as a postscript that WFB sold our house last XXXX ( XXXX ) despite the fact that our attorney was in discussions with WF attorneys regarding their failure to grant us a loan modification., when they led us on for four years. The attorneys representing us XXXX XXXX and XXXX warned us that despite good PR, Wells Fargo was the greatest offender of all the mortgage institutions : Our toxic Pick-a-Pay, negative amortization mortgage was owned XXXX XXXX Wells Fargo acquired them XXXX XXXX XXXX see link below : XXXX The nail in the coffin for us is when WFBank- who knew they were covering up for fraudulent loan servicing succeeded in removing our Mortgage fraud case from California State court to Federal court using a legal loophole claiming another Wells Fargo 's corporate office in Iowa in addition to the fact the original mortgage with XXXX had been located in Texas. The federal the courts are more protective of the banks than State court. Despite all this the federal judge granted us the opportunity to sue for fraud against WFB : Our counsel advised that it would drag on cost us a lot of money- but then WFB threatened that if we did not prevail a year or so from our filing that we would be responsible for XXXX to {$10000.00} dollars of their attorneys fees! We were compelled to sign a waiver that we could not sue WF in the future civilly, however leaving the door open for class action. 
It has recently come to my attention that my Loan Mod rep and accountant was successful in obtaining Loan Mods for twenty other of her clients each of whom had equity in their homes, which was the only reason WFB gave for denying us. In XXXX when our property was appraised at {$570000.00} less than the {$670000.00} on the mortgage that WFB rather than issuing a denial that they really could n't do- kept stalling asking for additional signature pages while moving to foreclose forcing us into bankruptcy. At the conclusion of the bankruptcy in XXXX XXXX the judge valued our house on the bankruptcy schedules thereby eliminating WF 's objections and suggested we proceed in loan mod negotiations. 
Despite WFB response to you and the office of consumer affairs WFB had no intentions of granting is a modification -Even the reps at the Dept of the Treasury/HUD said we we were eligible for a HAMP mod, To quote the attorneys who represented us " It 's simple-Wells Fargo simply wants your property '' We are devastated-There was also notary fraud- the Notary that signed my docs said she " lost '' her notary book- and She did not report it to the Calif. Notary assoc as is required by law.How can a major bank commit crime and even more so blatantly disregard it 's agreement with the Attorney General of California? Our faith in government has been destroyed along with everything else. Please punish these fraudulent gangsters. I am sure my attorney would be able to provide any relevant info as well as my accountant mod rep should you need to investigate. Thank You for your assistance XXXX XXXX XXXX XXXX XXXX I would like sanctions and my house back Plus I want to be compensated for moving costs