Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As I have explained to intelligent individuals at the office of the Honorable Senator XXXX, ( and the violations are clear, the Wells Fargo lies, obvious ) To assist the CFPB, XXXX XXXX of Wells Fargo ( and others after her in that Department ) are paid to defraud Consumers. She knows, as do the others that she is violating Banking Regulations.

Let me explain what she claims relieves Wells Fargo of wrong doing.

Background ; The Documents, per Notary, are created on XX/XX/XXXX. 

2 ) Wells Fargo uses a XX/XX/XXXX Accommodation Deed ( on a Grant Deed Form ) created by XXXX in XX/XX/XXXX to allow a XXXX  exchange. As their excuse This argument fails because : A ) You can use an Accomodation Deed one time ( one date ). ( note ( D ) B ) XXXX, not Wells Fargo created that document. 
C ) That Document was not Recorded with the Deed of Trust in XX/XX/XXXX ( as XXXX XXXX XXXX and other Wells Fargo employees claim, ( Deceitful Practice, Felony Count under Dodd Frank for  XXXX XXXX ) D ) Use of the XX/XX/XXXX Accomodation Deed creates a change of ownership in XX/XX/XXXX that did not occur, ( Cloud on Title ) ( note A ) 3 ) The Document face ( page 1 ) on the Deed of Trust was altered after it was initialed, signed, and notarized. The last person in control of the document that was to insure the document was not changed from what Wells Fargo submitted to the INVESTOR for Loan Approval was XXXX XXXX, A Wells Fargo employee in XXXX Arizona. Other pages were also altered. 

A ) XXXX XXXX XXXX Assessor Ownership Expert affirmed changes. I had the Vesting of the Home that Wells Fargo submitted to the Investor ( XXXX XXXX/XXXX XXXX ) which was Approved XX/XX/XXXX. ( Wells Fargo has this in their computer ) a ) under section 16 of the Recorded Agreement no one can change how the Home Title will be vested after loan approval, unless the Investor ( XXXX/XXXX ) is contacted and it is noted and notarized in the recording. ( Not done ) b ) section 14 of Recorded Agreement requires Wells Fargo to inform the borrower and obtain, have notarized and record an alteration of A ) ( Not done ) c ) The Notary cites the XX/XX/XXXX Escrow Instructions. 
d ) The Notary does NOT cite the unsigned, non-notarized XX/XX/XXXX Amendment ( with incorrect middle name and middle initials ) e ) The Notary does NOT cite the XX/XX/XXXX unSigned non-Notarized Escrow Instructions. 
f ) The amendment was not in the Recorded Document, nor referenced. 

4 ) The XX/XX/XXXX Escrow Instructions Home Title Vesting had to match the Home Title Vesting submitted to the Investor ( XXXX/XXXX  ) If not the Investor would have rejected the loan. If it does not Wells Fargo defrauded the US Government ( XXXX ) 5 ) There is no Document that was sent to the Investor ( XXXX/XXXX ), nor the borrower showing a change from the XX/XX/XXXX Escrow and Loan Application Vesting after XX/XX/XXXX Instructions and XX/XX/XXXX Loan Approval. ( nor is one Recorded ) 6 ) The unSigned XX/XX/XXXX after fact Amendment Document and unSigned XX/XX/XXXX, after fact Escrow Instructions show Wells Fargo confusion, yet total lack of control. ( These Documents were not recorded, signed, but were in the documents that XXXX XXXX had ) Since these are violations of SEC Regulations and I have 100 % proof, I am coordinating with the investor to file Criminal Charges and Cover-up charges against Wells Fargo, their CEO that had to certify accuracy, XXXX XXXX and etc. ( for fraud and cover-up ) I have a hearing with the XXXX County Recorder. We will be discussing if Wells Fargo should be allowed access to record documents due to this obvious fraud. 

I encourage everyone with a Wells Fargo loan to review the Vested Document. If Wells Fargo altered it, Contact your local County Representative and join in making certain this untrustworthy Bank can not record Documents.

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