Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is a follow up complaint to point out and complain of XXXX XXXX XXXX, the agent who lied repeatedly to me and bullied and treated me like a criminal ( instead of admitting he and Wells Fargo were admitted criminals ) and failed spectacularly at fairly compensating me as an obvious victim. Here are my complaints : 1. XXXX refused and Wells Fargo refused to provide me for years with a copy of my mortgage file, XXXX promised me in our second conversation to send me my file which I have recorded and will attach. ( This file was witheld for years bc it has proof of the repetitive violations by WF as a matter of policy. ) I DEMAND AN UNREDACTED COPY OF MY FILE. 
2. The CONTEMPORANEOUS COMPLAINT I MADE WITH CFPB WHICH IS HEREIN IN 2015 BEFORE FORECLOSURE COMPLAINING OF AND PRESENTING PROOF OF THE BAD ACTS XXXX NOW SAYS DID NOT OCCUR PROVE WF " EVALUATIONS '' to assist their own victims is a complete and utter SHAM. 
3. XXXX XXXX REFUSED TO ACCEPT RECORDINGS OR EMAILS I HAVE FROM 2015 which he is clearly covering up now, as proof of the bad acts WF committed. 
4 DUAL TRACKING WAS IN PLACE AS PROVEN BY MY EMAILS AND LETTERS APPLYING FOR MODIFICATION AND ASSISTANCE PRIOR TO SALE OF HOME. XXXX has DOZENS OF RECORDED CALLS THAT ESTABLISH EVERY BSC ACT. These violations were all exposed in my 2015 complaints to this body and available herein. 
5. The abusive use of many different " home preservation '' agents where no one agent ever assisted. Instead there was a never ending change of agent every contact none of whom ever had any authority or gave same information, i emailed many of the executives at the time and I have those emails. XXXX was not interested in truth or assidting me as a victim of his employers crimes as CEO XXXX promised Congress. He treated me as the criminal WF admittedly is. 

I want a full investigation of how WF and its cohort company XXXX and XXXX XXXX XXXX are destroying and burying valid claims and conducting sham " research '' where no victim is givenfirst a voice, where personsal files are stolen from victims, where NO evidence is accepted, where complaints made before foreclosure are ignored, where the admitted criminals who violated the victims are put in position to violate victims again and deny rightful, provable victims a VOICE AND COMPENSATION, I want my MORTGAGE FILE. I WANT COPIES OF ALL CORRESPONDENCE BETWEEN ME AND ANY AGENT OF WF WHETHER EMAIL, text, LETTER OR CALL. 

I WANT AN INVESTIGATION INTO THE SHAM, FRAUDULENT " investigations '' WF AND XXXX XXXX IN PARTICULAR ARE CONDUCTING THAT ARE SUPPOSED TO BE TRANSPARENT AND FAIR WHEN NO EVIDENCE FROM ME WAS ACCEPTED OR CONSIDERED, NO PROOF OR DOCUMENTS ARE PROVIDED TO SHOW ANYTHING WAS DONE EXCEPT TO MARSHAL ANY " ISSUE '' REAL OR IMAGINED TO SUPPORT A FOREGONE CONCLUSION THAT WF AND XXXX HAD PREDETERMINED. 

I DEMAND MY FILE AND ALL RELATED LETTERS, RECORDINGS, CORRESPONDENCE, ALL " FACTS '' upon which XXXX rests this false conclusion. 

It is a FURTHER CRIME FOR WHICH I HEREIN COMPLAIN FOR WF AND XXXX XXXX AND XXXX TO CONDUCT A SHAM SELF SERVING INVESTIGATION AND IS A GROSS VIOLATION OF CONGRESS INTENT TO COMPENSATE VICTIMS. 

IF THIS IS A LEGITIMATE INVESTIGATION PRODUCE MY FILE AND ALL RELATED DOCUMENTS AND COMMUNICATIONS. 

THERE WAS NO INVESTIGATION ONLY A MARSHALING OF WHATEVER FABRICATED FACTS WF INVENTED TO FURTHER VIOLATE THEIR VICTIMS IN PURSUIT OF ADMITTED CRIMINAL CONDUCT.

It is my charge that WF IS ENGAGING ONCE AGAIN IN SECRET CRIMINAL ABUSES BY CONDUCTING FAKE RESEARCH WHERE NO FILES ARE GIVEN TO VICTIMS, NO PROOF IS ACCEPTED FRIM VICTIMS, AND NO PROOF IS OFFERED BY WF IN SUPPORT OF ITS SELF SERVING DENIAL OF RESTITUTION TO VICTIMS. 

I further DEMAND the CFPB who are given the duty of enforcing restitution orders to MAKE ALL WF DECISIONS PUBLIC AND ALLOW SCRUTINY AND REMOVE THE CLOAK OF SECRECY AND SELF-SERVING AUTHORITY THE ADMITTED CRIMINALS WF AND XXXX XXXX ARE USING TO SUBVERT THE INTENT OF CONGRESS AND THE CFPB.

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