Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
In the event that Wells Fargo is still claiming the loan and closing was legal, Im filing a new complaint. Wells Fargo continue to deny our claims. No matter what I have sent in proving there responses to my complaint. We have heard that they dont have any records past 7 years. Yet they will use that as a reason to deny us compensation. Then out of no where they are magically able to produce said documents. All of the documents I have sent have all been original mortgage statements and the original loan documents prior to the actual closing ad well as all original closing documents. They are all original documents from Wells Fargo, and Wells Fargos companies. I have repeatedly proven the fraudulent actions and activities by Wells Fargo and Wells Fargo employees. I have more than established not only a pattern of fraudulent activity but just blatant theft fraud manipulation of our account. I have sent the back statements to be told our bank charged a fee or something else and thats why the payments dont match. No I have shown payments after payments that appear then disappears. The fact they claim not to have any records about the accidental death insurance, that again, magically showed up 6 months into the, subprime mortgage lending preditory loan we were illegally given. Had they not broken every law possible from XXXX and actually we are still being lied to and defrauded by Wells Fargo . The audacious discrepancies in their responses to everyone of the complaints I have filed with the Cfpb. To the photocopied forged loan modification documents they sent, proving and providing us with more proof of their continued fraudulent activity to this day. Wells Fargo also states that the handwritten confirmation numbers amounts and dates dont count. We had to do that because of all the fraudulent activity that we had to deal with the entire time we have been the victims of every violation and fines they have received. Starting with the XXXX XXXX. XXXX dollar fine. Im sending with this complaint all the fraudulent lies in the responses from everyone of our previous complaints. When it is in favor of Wells Fargo, the time periods are irrelevant. Now when I have sent in original documents disproving everyone of their reasons, its we dont have the documents to back up my claims, Im sending original documents and mortgage statements. The loan modification was not legal. I have sent the photocopied agreement they recently sent us. I have the original statement from Wells Fargo. They claim our starting payment was XXXX on the original statement from Wells Fargo . Our mortgage payment was never XXXX it was XXXX. The payments after the loan modification was XXXX. In their responses to my complaints as well as the photocopied fraudulent copies they sent, states, the payment after the loan modification was XXXX? How is it, they dont have records that old? Yet they have produced and sent us the loan modification copy that is completely wrong. Thats exactly the illegal activity and actions they have supposedly corrected. Again they are literally still lying about records their access to the records they have repeatedly stated they just dont have. When will Wells Fargo quit with their continued lies and fraudulent activity when it comes to our account. I have more than proven everything I have filed complaints about. Yet Im still being lied to and defrauded for now 19 years we have been victimized by Wells Fargo home mortgage company, Wells Fargo home mortgage inc. Wells Fargo bank na , CA, Wells Fargo bank na , CO. Wells Fargo home mortgage XXXX XXXX XXXX I have also proven that it was classified as a HUD loan, which Wells Fargo has been fined for the thousands of HUD loans that didnt qualify and actually went unreported. What more do it need to sent in and file a complaint that, Wells Fargo will actually admit their role in the biggest fianacial criminal enterprise in the history of Ponzi schemes bank failures. None have done the financial damage to the American consumers, that Elle Fargo has perpetrated for 20-+ years and the American economy and consumers paid for their XXXX XXXX in assets. If they were actually forced to compensate the consumers they have and continue to lie and defraud to present day. What makes anyone think, a company who has had a rinse and repeat cycle of fines and violations and have never actually been held accountable. Wells Fargo is the most corrupt company ever. XXXX XXXX XXXX XXXX closure not one Ponzi scheme has done the financial damage to the American economy and consumers! They have been allowed to continue now with the protection of the CFPB! 
The responses to my complaints literally are lies and fraudulent actions by Wells Fargo. They repeatedly said they cant access the records. Government mandates stated and the multiple time Wells Fargo has plainly stated they dont have the records. I have sent in original loan and mortgage statements. The loan modification, to begin with, our original mortgage payment was XXXX, never has it been XXXX the XX/XX/XXXX loan documents has it as XXXX,! The fraudulent photocopied loan modification sent to prove we are wrong. It plainly states that after the loan modification balance of XXXX, XXXX, payment amount XXXX! The original statement from Wells Fargo from XXXX, lists the starting payment as XXXX, after the loan modification the payment increased to the actual amount of XXXX! This along with the photocopied loan modification that was sent in response to my complaint, proves that by XXXX, Wells Fargo and employees, had violated and defrauded our account and mortgage payments, they themselves were making up numbers and payments as proof in the XXXX loan modification original documents from Wells Fargo we received in XXXX. Wells Fargo has repeatedly stated they have no records past the last 7 years. I have proven and established our loan was actually one of the thousands of HUD certified loans, that were illegally not reported probably to HUD. I have well established that all the documents I have scanned and sent are all original and all from Wells Fargo home mortgage and Wells Fargo bank and subsidiaries. I have established that Wells Fargo is still actively defrauding consumers like myself by continuing to deny claims that have proven the wrongdoing and illegal activities. They are falsifying documents as I write this complaint. How else can they now, magically produce evidence that they have stated numerous times in writing they cant access those records. Yet they continue to produce just enough to say, sorry, we dont have any proof to back up my claims! I have sent the proof over and over! Stating my bank account statements have a fee! It would be listed as well! Every original legal documentation I send with my complaints, we receive responses that are contradictory! Its the law we cant keep anything beyond the last 7 years! We dont have access to these records! Yet when the original documents are sent, they magically can now produce photocopied fraudulent documents they respond to my complaints with. Its either they by law cant access them past 7 years, or as I have stated repeatedly, they are still manipulating and defrauding us by continuing to lie and deny my request for monetary compensation. They cant claim no access to records then use it for their defense as to why they dont have any reason to compensate us for 19 years of this exact actions we have been the victims of and are still being defrauded and lied to, and continued constant reasons why they are not compensating us. How many lies and fraudulent actions and activities and broken laws does it take until, Wells Fargo actually begins compensating the millions of American consumers they have knowingly and willingly defrauded lied and continue to break the law. When will they actually compensate us? How long does it take to see they have stolen and manipulated our mortgage payments and account to this day? 
Im requesting XXXX XXXX dollars, I originally asked for XXXX XXXX. I have had to literally fight tooth and nail, trying to get Wells Fargo to admit their guilt! They have been fined violated and avoided criminal prosecution. I ask how? Wells Fargo Id the most corrupt government protected criminal enterprise, that has defrauded and destroyed not only the housing marked but the fianacial damage will take years to calculate, due to Wells Fargos refusal and fraudulent actions still going on to date. Im sending the actual documentation to prove everything I said from the very first complaint filed on XXXX XXXX XXXX. We havent had multiple billion dollar fines or multiple million dollar fines for our illegal actions. We have been the victim of Wells Fargo and everything they have been fined found guilty of and perpetrated in the last 20 years. Starting with the first of many fines, starting as early as XXXX XXXX. XXXX after that its a long list and multiple broken laws, numerous billions in fines on top of the multiple million dollar fines levied against Wells Fargo.

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