Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This is a simplified version of my Complaint. 
1 ) Co-debtor XXXX XXXX XXXX filed Chapter XXXX Case XXXX XXXX XXXX - XX/XX/XXXX. XX/XX/XXXX Case # XXXX Judgment and Decree in Foreclosure, The Court finds that all parties have been properly served, are properly before the Court, and that the defendants, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX whose real name is unknown, Spouse of XXXX XXXX XXXX, XXXX XXXX, whose real name is unknown, Spouse of XXXX XXXX XXXX, ... are in default of Motion or Answer. 
2 ) Case # XXXX was filed in the XXXX County Common Pleas Court XX/XX/XXXX and was dismissed without prejudice on XX/XX/XXXX. 
3 ) XX/XX/XXXX Wells Fargo Bank, XXXX. filed case # XXXX, Complaint in Foreclosure, with the XXXX County Common Pleas Court claiming, Sum {$25000.00}, together with interest at the rate of 9.2500 % per year from XX/XX/XXXX against XXXX XXXX XXXX. XXXX XXXX XXXX is immune due to Chapter XXXX Bankruptcy case # XXXX. 
4 ) XXXX Case # XXXX, The court finds that all necessary parties have been properly served, are properly before the Court, and that the defendants, XXXX XXXX XXXX and XXXX XXXX, name unknown, spouse of XXXX XXXX XXXX are in default of Motion or Answer .... The defendants, XXXX XXXX XXXX and XXXX XXXX XXXX, filed a Chapter XXXX Bankruptcy in Case No. XXXX 5 ) When case # XXXX there was no mention of Chapter XXXX case # XXXX filed by neither XXXX or XXXX, XXXX XXXX case # XXXX filed by XXXX XXXX XXXX XXXX XXXX and the real estate was not liquidated per Bankuptcy code, or Chapter XXXX XXXX XXXX filed by XXXX XXXX XXXX XXXX XXXX. 
6 ) You can not file a Chapter XXXX liquidation and transfer to Chapter XXXX to pay creditors. This is a big contradiction and a MAJOR ERROR by the COURTS and XXXX XXXX and Wells Fargo Home Mortgage. 
This complaint is being filed by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I am hoping that I will be able to finally get the help that I deserve dealing with the past twenty years of DISCRIMINATION, IGNORANCE, and INCOMPETENCE by numerous individuals that have either failed to do their job or have knowingly and willingly presented false evidence and claims in order to cover up their own shortcomings and have been allowed to do so, because of the FAILURE of the JUDICIAL SYSTEM that is supposed to be fair and impartial, but rarely meets this standard. 
I am filing my complaint for Wells Fargo Home Mortgage, after being consulted by XXXX XXXX XXXX, XXXX whom is an associate of the Department of Veterans Affairs. My complaint goes back over two decades and involves the incompetence of several courts and their repeated failures to uphold federal laws. I hope you can help resolve this issue, which is based on discrimination due too marital status and sex ( gender ). Note XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all the same person. My complaint starts about XX/XX/XXXX when XXXX XXXX XXXX filed XXXX XXXX case # XXXX. We were divorced on XX/XX/XXXX, XXXX County Common Pleas case # XXXX, in which XXXX XXXX XXXX XXXX failed to file the quit claim deed to the marital residence. XXXX allegedly surrendered the residence in Federal Court, with XXXX XXXX XXXX representing and XXXX XXXX XXXX XXXX residing. Chapter XXXX case # XXXX was under federal jurisdiction beginning XX/XX/XXXX thru XX/XX/XXXX when the case was closed and discharged. During this time XXXX XXXX XXXX filed case # XXXX Complaint in Foreclosure in the XXXX County Common Pleas Court against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX knowingly, willfully, and unlawfully with held the open Chapter XXXX case # XXXX from the XXXX County Court and knowingly, willfully, and unlawfully withheld the Complaint in Foreclosure case # XXXX from the United States Bankruptcy Court, whom had jurisdiction of the residence and any legal matters pertaining to XXXX XXXX XXXX. Case # XXXX was filed in the XXXX County Common Pleas Court XX/XX/XXXX and was dismissed without prejudice on XX/XX/XXXX. During this time period XXXX XXXX XXXX and his wife XXXX XXXX XXXX were scammed out of {$8000.00} from XXXX XXXX XXXX, were confirmed for a loan modification and then denied, and were forced to file Chapter XXXX case # XXXX, attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and case # XXXX, attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, to keep from losing their residence. During Chapter XXXX case # XXXX the Mortgage amount was raised to {$370000.00} by XXXX XXXX a representative of Wells Fargo Home Mortgage. Due to the incompetence of their attorney XXXX XXXX XXXX, the XXXX were denied their right to object to this false claim. There were also false claims made by XXXX XXXX XXXX and Wells Fargo Home Mortgage pertaining to arrearages and other fraudulent charges. Wells Fargo Home Mortgage took over loan # XXXX during this period and failed to notify XXXX XXXX XXXX, XXXX XXXX XXXX, the United States Bankruptcy Court, and the XXXX County Common Pleas Court. XXXX XXXX XXXX never received an account summary statement during this period, as the last statement was sent by XXXX XXXX XXXX in XXXX of XXXX and Wells Fargo Home Mortgage did not send a statement until XXXX of XXXX with a new account # XXXX beginning in XX/XX/XXXX. 
XX/XX/XXXX Wells Fargo Bank, XXXX. filed case # XXXX, Complaint in Foreclosure, with the XXXX XXXX XXXX XXXX XXXX claiming, Sum {$25000.00}, together with interest at the rate of 9.2500 % per year from XX/XX/XXXX against XXXX XXXX XXXX, even though Wells Fargo Home Mortgage was still accepting loan payment to at least XX/XX/XXXX. XXXX XXXX XXXX is immune due to Chapter XXXX Bankruptcy case # XXXX, XXXX XXXX XXXX was added to this statement by XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX had filed Chapter XXXX case # XXXX filed XX/XX/XXXX attorney XXXX XXXX XXXX but attorney XXXX XXXX XXXX was present at the hearing with Judge XXXX XXXX XXXX presiding, no assets were claimed per XXXX XXXX XXXX, even though XXXX XXXX XXXX was in possession of the residence. This case was discharged XXXX XXXX and XX/XX/XXXX. Chapter XXXX is liquidation, meaning all assets would be sold, but due to the failure of XXXX XXXX XXXX and XXXX to have XXXX XXXX XXXX disclose the residence, this did not happen. If you file Chapter XXXX, you do not change to Chapter XXXX, but if you file Chapter XXXX, you can change to Chapter XXXX. 
XX/XX/XXXX XXXX XXXX XXXX and his ex-wife XXXX XXXX XXXX purchased the residence located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Mortgage lender XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. This clause is in the contract that was signed by both parties XXXX. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3 ( A ) above or at a different address if I am given a notice of that different address. 

XX/XX/XXXX Case # XXXX Judgment and Decree in Foreclosure, The Court finds that all parties have been properly served, are properly before the Court, and that the defendants, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, whose real name is unknown, Spouse of XXXX XXXX XXXX, XXXX XXXX, whose real name is unknown, Spouse of XXXX XXXX XXXX, ... are in default of Motion or Answer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Received {$8000.00} to catch up mortgage payments to current per XXXX XXXX XXXX XXXX XXXX via phone, with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX, Entry w/drawing Sheriff 's sale filed. XXXX XXXX XXXX and his ex-wife XXXX XXXX XXXX ( Chapter XXXX Case # XXXX ) are confirmed formal approval of a loan modification/restructure of mortgage by XXXX XXXX, XXXX Representative, whom had no prior conversation with XXXX or XXXX XXXX, conversation with co-debtor XXXX XXXX XXXX or her attorney XXXX XXXX XXXX unknown and undocumented in XXXX XXXX case # XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX denied the loan modification/restructure that had been formally approved by XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX, Order staying proceedings filed. XXXX stayed pending Bankruptcy. Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX. Due to the filing of a bankruptcy petition by XXXX XXXX XXXX, one of the defendants in this foreclosure action, we herewith enclose an Order to stay these proceedings. If it meets with your approval, please have your staff file same and return at least one time stamped copy in the enclosed, self-addressed envelope provided. See XX/XX/XXXX, XXXX XXXX, XXXX Case # XXXX, filed by co-debtor XXXX XXXX XXXX aka XXXX XXXX XXXX. 
XX/XX/XXXX Case # XXXX, Complaint in Foreclosure, Wells Fargo Bank, N.A., XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX # XXXX, Plaintiff. XXXX XXXX XXXX, XXXX State Route XXXX XXXX, XXXX, OH XXXX, Defendant. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, Co-Defendant.  Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Sum {$25000.00}, together with interest at the rate of 9.2500 % per year from XX/XX/XXXX against XXXX XXXX XXXX. Note the sum of {$25000.00} is against XXXX XXXX XXXX who had been in XXXX XXXX during part of the first illegal foreclosure. Wells Fargo also wrongly list her address, even though they were notified by the XXXX Bankruptcy Court of at least four address changes for XXXX XXXX XXXX. 
XXXX Case # XXXX, The court finds that all necessary parties have been properly served, are properly before the Court, and that the defendants, XXXX XXXX XXXX and XXXX XXXX, name unknown, spouse of XXXX XXXX XXXX are in default of Motion or Answer .... The defendants, XXXX XXXX XXXX and XXXX XXXX XXXX, filed a Chapter XXXX Bankruptcy in Case No. XXXX, United States Bankruptcy XXXX, XXXX XXXX XXXX Ohio, XXXX XXXX. No XXXX judgment is hereby rendered. Signed by Attorney XXXX XXXX XXXX XXXX XXXX. Signed by Attorney XXXX XXXX XXXX. filed XXXX XXXX XXXX XXXX. Note that on XX/XX/XXXX that XXXX XXXX XXXX is in default of Motion or Answer see XX/XX/XXXX where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a third party. See XX/XX/XXXX XXXX Chapter XXXX Case # XXXX ; XX/XX/XXXX Case # XXXX, Complaint in Foreclosure, XX/XX/XXXX Case # XXXX Judgment and Decree in Foreclosure, XXXX XXXX XXXX, XXXX XXXX XXXX, ... are in default of Motion or Answer. XX/XX/XXXX Case # XXXX, Complaint in Foreclosure, Sum {$25000.00}, together with interest at the rate of 9.2500 % per year from XX/XX/XXXX against XXXX XXXX XXXX. There is no mention of Chapter XXXX Bankruptcy in XXXX XXXX. XXXX, being filed by XXXX XXXX XXXX, but now the XXXX willingly makes that false claim and the court rules that as a fair judgment.

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