Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/XXXX Consumer Finance Protection Bureau Via : www.consumerfinance.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX. 
XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX Via FAX : XXXX Customer Service : XXXX Attorney XXXX XXXX, for Wells Fargo Via : XXXX Attorney XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX Via : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX RE : XXXX XXXX XXXX Dear Consumer Finance Protection Bureau : Im a XXXX senior citizen. I live on a fixed income. I am on a doctor mandated diet. I do not wish to become homeless. I am too old to start from the beginning and do not wish to be drained financially At the very least Wells Fargo has perpetrated theft and at the maximum they have brought about a fraudulent act. I do not own a car, a computer, a printer, or a scanner. I retrieve and answer emails, scan and print letters at the Public Library computer stations. I walk one mile through a rural area & the Library is closed in inclement unsafe weather. 
Wells Fargo has forced me to sign a nondisclosure statement in order for me to receive my modification. 
Wells Fargo refused to answer my CFPB conplaint and instead submitted a nonsense gobbly-de gook-letter from a low level employee without access to my documents or mortgage payments. 
If Im expected to honor my part of the bargain I fully expect Wells Fargo to honor their obligation to provide honest answers to me. Otherwise, I am under no obligation to honor my part of the bargain. 
I want my money a. {$14000.00} Wells Fargo accepted mortgage payments after the Foreclosure was initiated. 
b. {$830.00} Wells Fargo NFS ( bounced ) checks they sent to me c. {$29000.00} Cashiers Check I paid before Sheriff Sale sold my home. 
d. {$50000.00} XXXX ( HUD & XXXX Program ) Attorney Little stated she will accept the total e. {$24000.00} CFPB {$3.00} XXXX Fine a Class Action : my portion 2. Wells Fargo has supplied contradictory information to the Indiana agencies : 3. Wells Fargo has denied me my portion of their XXXX XXXX Fine by Consumer Finance Protection Bureau XXXX 4. Wells Fargo wrongly states my arrearages are only {$2200.00} after 14 years of foreclosure. 
a. I am being rushed and forced into a closing on the wrong {$2.00}, XXXX IN HAF GRANT this week 5. Wells Fargo has forced me to sign a non disclosure agreement in order to receive a modification. 
6. XXXX XXXX, HUD Counselor, IN stated, Wells Fargo formally Rejected the {$50000.00} IN XXXX XXXX. 
7. Attorney XXXX XXXX, XXXX XXXX, for Wells Fargo refused the {$50000.00} IN HAF Grant a. The legal fees of XXXX XXXX XXXX XXXX XXXX XXXX, Wells Farg need to be paid by IN HAF. 
b. Attorney XXXX, reported my Mortgage Balance is either {$93000.00} or {$120000.00}. 
c. XXXX XXXX capitalized their attorney fees into my mortgage balance and, a 40 year Mortgage d. reported very, very inaccurate arrearages of {$2200.00}, representing 2.5 months behind. 
8. XXXX XXXX, my Attorney, recused himself and Im not represented by counsel.

9. Wells Fargo claimed my mortgage was a FNMA ; it is not  a. FNMA Modification was not calculated according to FNMA Guidelines. 
b. My Credit Reports demonstrates that my mortgage was owned by two ( 2 ) separate Securitizations at the same time : XXXXXXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXXXXXX sold, then repurchased again during the foreclosure process. 
10. Per XXXX XXXX XXXX 's XX/XX/XXXX Modification offer states Fees are waived, I need proof. 
11. My XXXX current Escrow Account contains {$38000.00} 12. I require from Wells Fargo : a. sent my mortgage payments to a corporate Account ; my money is unaccounted for, it evaporated. 
b. repeatedly misapplied my mortgage XXXX mortgage payments, charged 14 year of fees and interest and finally granted me a Modification after 14 years interest. 
c. did not respond to any of my RESPA requests. 
13. Wells Fargo must relinquish and refund to me a. Wells Fargo *NSF check {$830.00} b. The refund of my XXXX mortgage payments totaling {$6800.00} that Wells Fargo received after the XXXX Foreclosure. My money has disappeared. 
c. all fees and late charged since XXXX as Wells Fargo refused to modify my mortgage d. Back-Dated-Forced-Placed Insurance {$76.00} & XXXX e. send, by certified mail, documented proof and a statement of the calculation of the modification. 
f. documented evidence of my Modification and it's calculation. 
g. documented evidence of FNMA of my mortgage ownership sent by certified mail h. The date of FNMAs purchase my ( originally XXXX XXXXXXXX XXXX mortgage XXXX i. The date of FNMAs securitization and its XXXX XXXX j. The date of its sale k. documented evidence, & date of FNMAs securitization from XXXX XXXXl and XXXX XXXX XXXX documented evidence, the date of FNMAs purchase by XXXXXXXX XXXX  i. Reference Number : XXXX XXXX. XXXXXXXX XXXX  Subject Mortgage : XXXXXXXX XXXX XXXX Address Identification # XXXXXXXX XXXX  m. documented evidence, the date of FNMAs purchase by Wells Fargo XXXX. Wells Fargo low level employee stated, by XXXX that it is a FNMA mortgage ; no proof, a. claimed, You tricked Wells Fargo for 14 years, didnt pay your mortgage. 
15. Wells Fargo engineered the XXXX Foreclosure and Modification denial 16. Wells Fargo ****backdated fraudulent homeowners insurance for phantom Non-Existent Insurance, paid my property tax in multiples, and refused to accept my mortgage payment claimed it was {$1.00} short. 
17. Wells Fargo and Attorney XXXX, XXXX XXXX XXXX refused and denialed a Modification : a. Despite successfully completing 26 Modification Packets since XXXX and b. the interest rate was 0.5 % in XXXX during the XXXX Financial crisis c. Finally stated Your mortgage is not owned by, in a FNMA Trust and is not Securititzed. 
d. provided fraudulent and forged documents to the Indiana XXXX ( XXXX, XXXX XXXX, XXXX etc. 
18. XXXX XXXX forced me to give them {$29000.00} which subsequently evaporated 19. XXXX XXXX XXXX denied me an XXXX XXXX {$30000.00} Grant when my mortgage was almost paid!. 
See : {$990.00} reimbursement check from Dept. of Insurance, XXXX  20. Wells Fargo Back Dated Forced Placed Insurance {$76.00} & 119 which engineered the Foreclosure 21. Enclosed XXXX copies a. {$14000.00} Wells Fargo accepted mortgage payments after the Foreclosure was initiated. 
b. {$830.00} Wells Fargo NFS ( bounced ) checks they sent to me c. {$29000.00} Cashiers Check I paid before Sheriff Sale sold my home.

d. {$50000.00} Grant HUD & IN-HAF Program Attorney XXXX ( XXXX XXXX XXXX XXXX stated will accept the total e. {$24000.00} CFPB {$3.00} XXXX Fine a Class Action : my portion Sincerely, XXXX XXXX XXXX XXXX XXXXW F NSF check {$830.00} *** {$29000.00} Foreclosure redemption f. XXXX, XXXX XXXX, XXXX XXXX. 
g. XXXX XXXX. of Insurance Refund from backdated homeowners insurance XXXX mortgage payments to Wells Fargo received & accepted after the XXXX Foreclosure & default. 
XXXX Unapplied Funds XXXX Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Credit Report XXXX before Wells FargoXXXX XXXX Credit Report XXXX past due W F_XXXX or XXXX XXXX Credit Report XXXX before Wells Fargo XXXX XXXX Credit Report XXXX before Wells Fargo XXXX Credit Report XXXXXXXX XXXX XXXX XXXXXXXX Credit Report XXXXXXXX XXXX XXXX XXXXXXXX Page 2 Credit Report XXXX XXXX on XXXX explains credit eports Credit Report XXXXXXXX XXXX XXXX Investor XXXXXXXX XXXX XXXXXXXX XXXX XXXX signatures Back dated insurance RESPA 12_7_1 Payment XXXX XXXX XXXX XXXX XXXX RESPA 2012_10_21 Misapplied Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Depositor And XXXX XXXX XXXX XXXX XXXX on No XXXX XXXX XXXX Report XXXX before XXXX XXXX XXXX Credit Report XXXX past due W F_XXXX or XXXX File XXXX Wells Fargo or XXXX XXXXXXXX was Holder Due Course Closing Table It was table funded Reference Number : XXXX Wells Fargo MortgageAccount # : XXXX XXXX XXXX  Subject Mortgage XXXX XXXX XXXX  Address Identification # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Servicing Fraud See : {$990.00} reimbursement check from Dept. of Insurance, Indiana Wells Fargo applied {$76.00} & XXXX back-dated forced placed insurance before being servicer-ship awarded. 
County taxes paid twice in XXXX {$86.00} & {$180.00} XXXX as Nominee Pay Off Created by XXXX Employees pretending to be XXXX XXXX XXXX wrote & stamped a Release of Title, Pay Off was sent from XXXX signed by XXXX employees o Wrong Pay Off amount letter, is not Deed, o Pay off amount is unaccounted for ( never sent to XXXX or XXXX ) o XXXX never owned Mortgage ; XXXX as strawman o I wasnt notified of the change of ownership o signed & stamped sent the Letter of PayOff from XXXX on XXXX letterhead o Title on Loan is MERS o Chain starts & stops wXXXX XXXX Robo-signers XXXX XXXX Manufacturer of Mortgage or Note Assignment XXXX XXXX XXXX XXXX XXXX XXXX transferred fake XXXX XX/XX/XXXX. Foreclosure XX/XX/XXXX XXXX XXXX, Manufactured docs in Recorders Office Return to : Nationwide Title, Manufacturers of foreclosing docs XXXX XXXX XXXX & XXXX XXXX forgers XXXX provided the foreclosing docs, the loan origination was created at XXXX XXXX XXXXXXXX XXXX, CA. See emails in collateral file from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Foreclosure

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