Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companys Response he , again has misrepresented the TRUTH 1. The account had a foreclosure sale held on XX/XX/XXXX. 
2. He refuses to address the issue that WF, has no documentation to address the REAL ISSUE and ( WF ) FAILED TO PROVIDE a TIMELY RESPONSE FOR MY REQUEST FOR REFINANCING.

3. I RESTATE THAT SINCE MY FORMER WIFE FILED FOR BANKRUPTCY, SHE WAS REQUIRED BY LAW TO CONTINUE PAYING THE MORTGAGE TO WF. 
XXXX. NOTICE WAS NEVER SENT TO ME THAT THE MORTGAGE WAS IN DEFAULT [ ACCORDING ] TO WF! WHICH BY THE CONTRACT CERTIFIED SERVICE WAS REQUIRED. 
5. AFTER PROVIDING [ BELOW THE LOCAL ATTORNEYS FOR WF ] 6. WF HAS NOT PROVIDED DOCUMENTATION CONTRARY TO MY STATED FACT I DID FILE THROUGH THEIR ATTORNEY MY REQUEST, AS DIRECTED BY WF AND THE ATTORNEY! 

I RESTATE THE BELOW PLEASE NOTE : This notice is being provided for rebuttal of information provided in your letter dated XX/XX/XXXX. The purpose is to show and reveal that Wells Fargo NA has manipulated documents, as a result, to continue its fraud of wrongfully FORECLOSURE ON MY PROPERTY located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on or after XX/XX/XXXX. As a result of at least one bankruptcy case filed by [ XXXX XXXX XXXX XXXX XXXX ]. On XX/XX/XXXX, my former wife, filed XXXX  XXXX Bankruptcy, [ without notice to me ] which escalated Wells Fargo to start foreclosure on the aforesaid property. 

Issues in order of your letter aforementioned above. 
The account 's origination of the origination Lender was XXXX XXXX XXXX XXXXXXXX The Security Deed, or security instrument, was dated XX/XX/XXXX. The account 's servicing was transferred to Wells Fargo, per the guidelines of the Security Deed, as detailed in Section XXXX, on XXXX XXXX of that origination document. 

Resubmitted [ XX/XX/XXXX ], Rebuttal Yes, the document provided states XXXX XXXX XXXX XXXX 
Wells Fargo NA FAILED to provide any documentation showing the property was transferred to Wells Fargo NA. This establishes, that Wells Fargo NA, had the NO legal right to fraudulently FORECLOSE on the property aforementioned above. Through and by its attorneys ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX attorneys for Wells Fargo, NA. by and through XXXX XXXX, XXXX on XX/XX/XXXX, local agents attorneys for Wells Fargo NA. 

My attorney through XXXX XXXX, XXXX local agents attorneys for Wells Fargo NA. fraudulently canceled said document my application for refinancing based on previous statements by Wells Fargo NA well over XXXX years ago, which exceeds the record retention guidelines of Wells Fargo, the Consumer Financial Protection Bureau, and the Office of Comptroller of Currency. We are unable to comment about your claims about the request for a refinance.

Wells Fargo NA further states the following, the application in question would have been submitted well over XXXX years ago, which exceeds the record retention guidelines of Wells Fargo, the Consumer Financial Protection Bureau, and the Office of Comptroller of Currency. We are unable to comment on your claims about the request for a refinance. 

Yet Wells Fargo NA was able to miraculously [ Listed below ] find other documents that pre-dated my request for REFINANCING the property. Submitted through XXXX XXXX, XXXX local agents attorneys for Wells Fargo NA. 

List of documents. 
1. The Security Deed, or security instrument, was dated XX/XX/XXXX. XXXX years to date. 
2. Letter ( s ) of default dated XX/XX/XXXX, and XX/XX/XXXX, that far exceeds their claim for retention requirements. [ Copies provided in their response ]. 
I never received this offer IF it was made. As stated earlier I was involved in a divorce from my previous wife, who occupied the property. Such a document is required to be sent by Certified Mail, as stated The Security Deed, instrument, was dated XX/XX/XXXX. This is obvious since no such declaration was made in the letter ( XXXX ) sent to me. 

The letter dated XX/XX/XXXX [ miraculously ] found shows and details my effort to refinance my property, again Wells Fargo NA intentionally concealed my attempt to refinance my property, since I was able to get my former wife to agree to a Quit Claim Deed to refinance my property. 

I reinstall my claim for compensation for fraudulent foreclosure on my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And be compensated {$24000.00} + legal fees as stipulated of {$4000.00} as retribution for Wells Fargo NA through its attorney.

Wells Fargo 's reputation is undoubtedly corrupt, not mine. BASED on the following. 

On XXXX XXXX XXXXXX/XX/XXXX, the Bureau issued an order against Wells Fargo Bank, N.A., which is a XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota. Wells Fargo is the third largest bank in the United States, with nearly {$1.00} XXXX in assets, and the largest provider of consumer financial products. The Bureau identified multiple violations across several of the banks largest consumer product lines, which led to billions of dollars in financial harm and, in thousands of cases, the loss of customers vehicles and homes. Specifically, with respect to auto loan servicing Wells Fargo engaged in unfair acts and practices in violation of the Consumer Financial Protection Act of XXXX by incorrectly applying consumer payments; charging borrowers incorrect fees, interest, or other amounts ; wrongly repossessing borrowers vehicles ; and failing to refund consumers who had paid certain fees upfront to automobile dealers when warranted. Wells Fargo also engaged in unfair practices by improperly denying mortgage loan modifications, miscalculating fees, and other charges, and assessing unwarranted charges and fees. With respect to deposit accounts, Wells Fargo : unfairly froze multiple consumer accounts in instances of suspected fraud when lesser restraints were available ; made deceptive claims as to the availability of waivers of monthly service fees ; and unfairly charged overdraft fees even if the consumer had enough funds available in their account to cover the amount of the transaction at the time they made it. The order requires Wells Fargo to come into compliance with federal consumer financial law, pay more than {$2.00} XXXX in consumer redress, and pay a {$1.00} XXXX penalty. 

AND STATED by CFPB One in three American households is a Wells Fargo customer and is affected by its business practices and " corporate culture, '' the CFPB says. More specifically, Wells Fargo customers who had either an auto loan, mortgage loan, or bank account between XXXX and XXXX were affected and may be eligible for a payout. 

Please govern yourselves accordingly, Sincerely, XXXX XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

Publishing this description will not affect how the CFPB handles your complaint.

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