Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This letter is regarding the crimes committed against me to obtain our home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The crimes that occurred were orchestrated by XXXX XXXX with the use of multiple other professionals. XXXX XXXX worked with XXXX XXXX to steal our home and destroy our belongings. 
Our home had 2 mortgages. The 2nd mortgage should have never gone to foreclosure. We own our second mortgage. In XXXX Wells Fargo forgave our second mortgage as part of the class action predatory mortgage loan filing. But somehow in XX/XX/XXXX XXXX XXXX XXXX XXXX was foreclosing on it. Attorney XXXX XXXX out of Florida handled the purchase of our second mortgage for XXXX XXXX even though at the time there was a bankruptcy in place. XXXX XXXX has a dual relationship with XXXX XXXX and XXXX XXXX XXXX XXXX . She purported that she did a foreclosure on the second mortgage in the face of an active bankruptcy. Very concerning and suspect is she has a relationship with XXXX XXXX and XXXX XXXX XXXX XXXX . 

Numerous irregularities occurred with our home at XXXX XXXX XXXX XXXX XXXX, Georgia. This needs to be repeated we had 2 mortgages on our home. Our second was forgiven in XXXX as part of the massive predatory loan legal action. 
Somehow it was brought back to life after 10 years. We were informed by XXXX XXXX XXXX they purchased a group of loans from Wells Fargo in early XXXX and that is when our 2nd mortgage was given life after being forgiven. In XX/XX/XXXX XXXX sold our second mortgage to XXXX XXXX XXXX XXXX who was using XXXX services to manage the loans. We never heard from either of these parties. 
In XX/XX/XXXX we were informed by XXXX XXXX that he owned our second mortgage in XX/XX/XXXX. We informed him there is an error and we would have to follow up with the mortgage companies to see what happened we informed him we were in process of refinancing our home and we would address this. 

XXXX XXXX never paid for our second mortgage he worked out a deal with XXXX XXXX XXXX o wait but he still approach us telling us he purchased our second mortgage from XXXX for {$75000.00} and he demanded {$100000.00} from us. XXXX XXXX was aware that XXXX XXXX had not paid for our second mortgage. This is a crime. 

On one occcassion the last week of XXXX he held me and my son and blocked our exit from my property until I took his contact information. XXXX XXXX committed identity theft and fraud to steal our home and used others in the real estate, property financing and legal field to accomplish this crime. Again it seems XXXX XXXX did not pay for the second mortgage in XXXX or XX/XX/XXXX. He committed identity theft in XX/XX/XXXX and financed the entire home mortgage only at that time. 
The purported foreclosure date was also a date that XXXX XXXX was covered by an automatic stay in the XXXX XXXX XXXX XXXX XXXX  XXXX  Court. There was never a hearing to confirm the purported foreclosure. 

Additionally, Attorney XXXX XXXX working with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acknowledged that he called Wells Fargo on XX/XX/XXXX but denied the facts of his statements on the recording. XXXX XXXX is recorded on the Wells Fargo mortgage line stating XXXX XXXX was selling his home to XXXX XXXX. On XX/XX/XXXX another recorded conversation by Wells Fargo mortgage XXXX XXXX XXXX called in pretending to be XXXX XXXX XXXX. XXXX XXXX requested payoff information which was sent to the same fax number at XXXX XXXX XXXX XXXX XXXX XXXX. 
The publication of private financial information to third parties was far outside the standard of practice. We have requested the transaction be rescinded and funds be reversed and our home returned to us immediately. XXXX XXXX obtained funding through XXXX XXXX XXXX XXXX and committed identity theft to obtain our payoff and transferring our home into his name. He utilized the attorney XXXX XXXX ( whose firm appears to have issued title insurance ) to perform these acts, he used XXXX XXXX XXXX XXXX XXXX XXXX  to funnel the payoff. 

A real estate agent altered XXXX to show change of ownership of our home, fake straw buyers, but nothing has changed legally to the court. To this date we do not know who accessed XXXX to change ownership but legally in the court/state the title is still in our names. To this date XXXX XXXX and XXXX XXXX have refused to provide their errors and emissions coverage to our attorney. They are both currently being investigation by the State Bar for unprofessional conduct and malfeasance. XXXX XXXX had a real estate agent XXXX XXXX with XXXX XXXX XXXX to remove all our homes contents. Our home was destroyed in the false orchestrated eviction XXXX XXXX enlisted. XXXX XXXX informed the XXXX XXXX XXXX that we were behind in rent to him and that is why we were being evicted from our home. XXXX XXXX lied to the Marshalls to have us evicted. XXXX XXXX partner XXXX XXXX assisted XXXX XXXX in removing us from our home. We spoke with XXXX XXXX informing him of the identity theft, loan and mortgage fraud, etc. XXXX XXXX just screamed at us over and over threatening us with arrest his justification was his statement we lost our home on foreclosure Tuesday to XXXX XXXX. XXXX XXXX entered our home after the XXXX XXXX XXXX stopped the eviction once they saw the irregularities. 

XXXX XXXX and XXXX XXXX were both informed by the XXXX XXXX XXXX that no one was to enter our home until we went in front of a judge. XXXX XXXX had the rest of our homes items removed even though the Marshalls told them to cease. XXXX XXXX replaced expensive upgrades we made to our home with cheap builder grade items and cheap paint and shoddy contractor work and in XXXX XXXX XXXX listed our home for sale with XXXX XXXX XXXX. 

We lost everything. Our home contents were in excess of XXXX XXXX XXXX. Our sons have been forced into a mental crisis by XXXX XXXX actions. I can go on and on about what was taken from us, property, monetary loss, emotional, mental. Our oldest son was home from college. Everything from his apartment was in the house and garage. All of it gone. He was unable to return to school because of the effects of XXXX XXXX crimes. The eviction was on his birthday. We lost family heirlooms from generations, family jewelry. Items that can never be replaced that lasted lifetimes. My sisters husband died suddenly and she has struggled greatly our home stored their things while she lived with family. Our lives are forever changed because a criminal act occurred against us so others would be enriched. The XXXX XXXX XXXX gave us XXXX XXXX contact information so that we could contact the bond company to compensate of for the wrongful eviction and lost of our property. XXXX XXXX never returned our phone calls. What we owed on our home we had in equity. 

All parties that received financial gain from this criminal fraud should return the funds and rescind this transaction immediately so that our home be returned to us. XXXX XXXX felt he discovered away to enrich himself by praying on individuals that had lived in their homes over XXXX and had a great amount of equity but health issues had caused a gap and the possibility of death was an opening for him to commit identity theft. XXXX XXXX found a group of the population to target to enrich himself. Either the involved parties were fully aware of the criminal acts that occurred to enrich themselves or they turned their backs on the legal, professional and ethical rules and laws setup to prevent such acts. XXXX XXXX thought he could disguise and morph our 2nd mortgage into out first. He portrayed that there was a single mortgage and a single foreclosure, while he committed identity theft, mortgage fraud, loan fraud and wire fraud to obtain our home. The professionals XXXX XXXX enlisted in committing these crimes regurgitate what XXXX XXXX spoon fed them. It is disappointing to see these people dismiss professional and ethical rules and regulations for monetary gain. XXXX XXXX was hopeful that XXXX XXXX death would allow him to get away with his crimes. 

We as directed by the FTC have made demands to each party that the transaction be cancelled and our property returned. We also have an attorney for civil litigation. When we contacted XXXX XXXX the COO with XXXX XXXX she refused to cancel the listing of our home stating from her due diligence she found no irregularities including no criminal complaint and no current legal proceedings so she would continue the sale of our home. We gave her the contact information for Detective XXXX with XXXX XXXX Police and XXXX XXXX with XXXX XXXX XXXX now XXXX XXXX. She stated she would not contact them and told us to have them contact her. We informed her these are very busy individuals with a high workload and it would be easier for her to email or call them. She refused. 

XXXX XXXX has multiple individuals involved in the theft and destruction of our home, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX is a former employee of XXXX XXXX  XXXX XXXX is also the school director of XXXX  XXXX XXXX. It needs to be investigated as to the relationship the involved parties have with each other including XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX  XXXX . XXXX XXXX is a XXXX XXXX XXXX XXXX founded by XXXX XXXX and XXXX XXXX. 

It is evident that XXXX XXXX and XXXX XXXX acted in a criminal manner along with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX our hope is that RICO stature has been reached and as other parties involved did not cease and desist they also be charged with RICO. There is also an unknown individual with XXXX XXXX XXXX XXXX XXXX, this maybe the individual that changed the XXXX owner information.

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