Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I XXXX XXXX XXXX, SSN XXXX, opened a mortgage in the amount of ~ XXXXUSD with Wells Fargo on XX/XX/XXXX. Wells Fargo foreclosed on my property utilizing a 3rd party servicing law firm " XXXX XXXX XXXX  : XXXX XXXX XXXX , XXXX .

XXXX XXXX XXXX XXXX, MA XXXX PHONE : XXXX FAX : XXXX I owed both state and federal taxes not directly tied to the property. Ultimately, I submitted a complaint to wells fargo and the CFPB as wells fargo contractually was responsible ( based upon the language in the foreclosure contract/agreement published by XXXX XXXX XXXX and authorized by wells fargo. Wells Fargo has not reviewed the XXXX XXXX XXXX agreement, and XXXX XXXX XXXX is now refusing to provide the agreement to me. The agreement was emailed to me at one point but due to my phone being stolen I can't access the agreement. It is important to note an executive resolution specialist by the name of XXXX XXXX called me on XX/XX/XXXX where we had a robust discuss. It's also important to note those phone calls are recorded.Essentially wells fargo is skirting liability by what I call creative nomenclature. In my instance wells fargo tied my FHA loan to a bank statement that said XXXX XXXX, instead of my federal tax return which has my full name XXXX XXXX XXXX or XXXX XXXX XXXX. Upon closing I provided my passport and license which both state XXXX XXXX XXXX. I believe I uncovered a major scam where wells fargo is defrauding consumers. For example, if wells fargo only tied the loan to XXXX XXXX, when they submitted paperwork for either a judicial or non-judicial foreclosure process unpaid taxes and liens would not show. It's important to note the loan is attached to my consumer report which has my name of XXXX XXXX XXXX or XXXX XXXX XXXX minimally. The bank is essentially tying the loan to whichever leaves them the least liability that they need to disclosure in the event of a default. I've done some research and I can prove they have done this to numerous consumers and I've solely been able to prove this be true based upon public deed records. I will be describing more when I go public as it is very difficult to tell the full story here. Ultimately Wells Fargo is defrauding the US government, investors, consumers, and is causing many families to be homeless, damaging their credit reports, and undermining FHA loans. Also listen to phone calls recorded on XX/XX/XXXX and XXXX- Wells Fargo or a  representative contracted by wells fargo N.A assured me they would not lose. delete or misplace the recordings of our discussions and they also stated they would be mailing me a statement that said they listened to all of the calls prior to reaching a decision on the matter. The resolution specialist I last spoke to was XXXX XXXX extension XXXX. 

I previously submitted a CFPB complaint under # XXXX-XXXX. I also notified the FBI.

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