Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
- [ ] 20 years! 20 years, of knowing for a fact, as a Wells Fargo consumer, and one the millions of Americans losing- [ ] everything. I have now filed complaint after complaint, with the CFPB, against Wells Fargo. I filed my original complaint, XXXX XXXX. XX/XX/XXXX, I received my first of many responses again, against Wells Fargo! I have now been filing complaints for 6 months. With every response from Wells Fargo, oh we are so sorry you have said this has happened to you. Has been negatively affecting our entire family for 20 years.!!! 
- [ ] Like I have said from the beginning, no matter how and when the absurd amount of payments thats just disappeared over a 10-15 year blatant fraud and running a criminal enterprise freely, again, over a 20 year period. 
- [ ] As stated in my first complaint. Wells Fargo has Never denied anything I have said! They only continue to tell me, they wish they could help us! 
- [ ] If that was actually the case, we would have had help by now. 
- [ ] With this complaint, I have the actual paperwork from the pre approved loan documents, to the internal memos and paperwork from early XXXX and up. 
- [ ] The most shocking thing is I have said the exact same thing for 20 years now, only to be lied to and deceived by a company with XXXX XXXX in assets! Literally from the millions of Americans over the years. 
- [ ] In the documents attached, The fraudulent and illegal activities by Wells Fargo, and XXXX XXXX! They caused the XXXX mortgage crisis. They are still, not only still perpetuating the biggest and longest running criminal enterprise in the history of the United States! The horrible reality is, they are still being allowed, by the CFPB, to confirm, never actually having to be held accountable for the years and years, of millions and billions in fines through ,20 + years of lawsuit after lawsuits. 
- [ ] In the documents I have sent to you this time you will plainly see, through the hundreds of mailed mortgage statements and foreclosure notices, the American consumer, was bombarded withe endless bills and statements coming from Every Wells Fargo, and Wells Fargo home mortgage inc, Wells Fargo home mortgage, Wells Fargos many companies that were involved and created the longest illegal criminal enterprise and activities, who have insulted themselves, again with the help and compliance from and with the very government agency, formed in XXXX, to help the American consumers from the corporations designed to help!! 
- [ ] By now they are just as guilty! 
- [ ] In XX/XX/XXXX, the lies and bombardment of the unimaginable amount of Wells Fargo corespondents. I have a couple years and its insane the blatant theft and cover up, of any illegal fraud and actions by any ANY and every Ponzi scheme or banks or stock markets have ever perpetuated in the entire world. 
- [ ] The day we supposedly closed on XX/XX/XXXX, was illegal. As seen in said memo, prior to the actual closing. 
- [ ] As soon as the fraudulent and illegal closing. We immediately began receiving multiple statements mortgage payment statements, mortgage foreclosures statements so many a forensic account and genius would and have stayed out of actually having to pay or be held accountable for the years and years of blatant theft and denial : they have had rinse and repeat cycle of millions and billions of fines and still perpetuating the biggest and longest criminal theft! 
- [ x ] So, even if you can come up with reasons why no help now, should all be gone. 
- [ ] The illegal loan, closing and fact the mortgage company, notary, and lawyers ; did and said anything they could ; see attached internal memo, form the title company, owned and operated by Wells Fargo home mortgage inc, and other Wells Fargo companies, all companies of Wells Fargo bank na, California ; Wells Fargo bank nA, co! As seen in XXXX, as soon as the illegal loan started, literally by the second month mortgage payment and statements and foreclosure mailing from, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX numbers that continued to poor in daily weekly and monthly. Payments after payments threatened constantly with foreclosure! A forced loan modification in XXXX! The photo copied mess I was sent, literally shows the modification in XXXX. The actual mortgage statement and run down and non payments, happen XX/XX/XXXX. Its the blatant lies and cover ups, for 25 years, never helping XXXX American consumer, they did everything they could to rob lie and destroy the housing market the economy and its still a horrible criminal enterprise, and they are still in operation! The payments that have XXXX XXXX, to the late XXXX early XXXX,! Are totally inconsistent and so confusing, XXXX accident death insurance. Then out of nowhere, XXXX, mortgage statements started coming XXXX, XXXX No XXXX charge. The amount of payments late payment pending foreclosure notices! Hurt the few months out of a few and small amount of statements bills foreclosure payments bombarding consumers, In our case and XXXX sure millions more like us, actually worse they paid and paid only to be evicted and lose everything!!! 
- [ ] The amount of financial damage will not even begin to be calculated, until Wells Fargo, XXXX XXXX, and the CFPB are forced to actually pay and feel the damage of the American consumers paid suffering, the the financial damage pales in comparison to the other not seen or heard mental emotional permanently damaging so many people like myself. T he stress lies deceit purposely knowing and willingness of 2 of the biggest oldest American financial institutions ever, still being allowed to refuse help no matter what and many times or how many formally the have been guilty fines, it doesnt and hasnt deterred the years and years of protected by the government, fraud and theft. 
- [ ] Its plain to see even before the illegal loan closing and proceeding theft and fraud still allowed to continue Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, CFPB Director XXXX XXXX said in a statement. The CFPB is ordering Wells Fargo to refund billions of dollars to consumers across the country. This is an important initial step for accountability and long-term reform of this repeat offender. 
No matter what we send its never enough!

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