Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My initial complaint ======================= I would like to report you a mortgage fraud. 
In XXXX Wells Fargo Home Mortgage supposed to mail me a {$2200.00} check with the remaining of my mortgage account balance ( mortgage account number XXXX ), but after some check delivery problems and several phone conversations they promised to deposit it to my new Wells Fargo refinanced mortgage account ( after refinancing, the new mortgage account number XXXX ). 
I've contacted the bank several times by phone to verify it. The bank employees could not provide any documents but every time insured me that everything is O.K. and money is in the right place. 
Recently I've contacted the bank again and requested the proof that my money is deposited the right way. 
Another bank employee emailed me a copy of the check telling that I got this money a long time ago. 
This is not true. I have never deposited this check and my signature on the check was forged. 
When I asked him who and when received my money, the bank representative could not give me this information. 
I noticed that my signature was forged by somebody who saw my real signature and suspect that is bank employees who stole and cashed my check, and was deliberately hiding the information about it for several years. 
I think there is or was an organized criminal group operating in the mortgage department who stole my money and making everything that I could not report it to the police in timely manner deliberately feeding me false information to postpone the investigation. As far I know this type of checks is not even possible to cash without depositing to the owner 's bank account. This is definitely Wells Fargo Home Mortgage fault. 
Please open an investigation about this incident I recently learned about. 
Please see the attached copy of the cashed check and let me know if you have any questions. 

XXXX XXXX XXXX XXXX Bank sent me a letter without resolving this issue. My answer to the bank. 
================= From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX Case Specialist Home Lending Executive Office Unfortunately, I am not accepting the bank answer, and my complaint was not resolved. 
My money is still stolen, and the bank did not address the issues I described. 
You were just repeating what Ive already heard from the bank earlier over the phone. 
I was not asking you about {$1500.00} check. 
The forged check and disputed amount is {$2200.00}. 
After multiple calls to the bank I was under full impression that this amount was applied to my new account number XXXX. 
First time when I found that this amount was cashed by somebody was in XX/XX/XXXX. I was shocked because Ive never cashed this check. I requested a new bank representative to send me a copy of this check and immediately found that it is forged : 1 ) My signature on the back of the check was clearly forged, but resembling my real one. That is why I think it is an internal job.

2 ) Ive never received or cashed this check.

3 ) This type of checks and its amount is impossible to cash without depositing to a personal account. I double checked my bank account history and couldnt find this deposit.

4 ) There is no cashed date stamp on the back of the check.

5 ) There is no recipient bank stamp on the back of the check.

6 ) There are traces of the check scanning machine on the back of the check but no mandatory print out with bank requisites. 
This is an obviously forged check. It is impossible that your bank could accept it. The bank representatives were hiding this information from me for years and I dont know why. Maybe they cashed my money or they did not want to expose the obviously fake check to me because they wanted to cover their fault accepting fake check. It is clear that I would alarm you as soon I find this information, what I did in XXXX. Unfortunately, I had no legal rights to record all my conversations with bank employees because this is prohibited by California law, but I always give to the bank my consent to record my phone calls to you. Please retrieve the recordings from your call history and you will see how many times I was asking what happened with my {$2200.00} and every time I was getting an answer that everything was OK and it is deposited to my new mortgage account. 
I think that your representatives knew what happened to my money and were deliberately misleading me to postpone the resolution of this incident. 
I am asking you to re-open this case and reimburse me my lost money. 

Thank you, XXXX XXXX =========================== They are going to reject it again. 
I need you or any qualified 3-rd party to review my complaints and resolve it. 
Please help and do not send it just to the bank again. 

Thank you.

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