Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
FROM : XXXX XXXX, Pro XXXX Litigant RE : XXXX XXXX Wells Fargo, XXXX XXXX ( Loan XXXX ), and XXXX XXXX XXXX for Loan Origination Misconduct, Witness Interference, and Consumer Fraud DATE : XXXX XX/XX/XXXX I. BACKGROUND AND CONTEXT I am writing to submit a formal complaint regarding fraudulent and unethical conduct involving Wells Fargo Bank, N.A., its former loan officer XXXX XXXX, and legal representatives from the firm XXXX XXXX XXXX who interfered with judicial proceedings related to my mortgage loan and home ownership dispute. The issues outlined below constitute violations of federal banking regulations, consumer protection law, and trial integrity. 

XXXX. LOAN ORIGINATION FRAUD AND FALSE INFORMATION ON APPLICATION In XXXX, Wells Fargo originated a refinance mortgage loan on the property located at XXXX XXXX XXXX XXXX, XXXX, NJ. I was added as a borrower despite the following facts : - I held only temporary XXXX residency status at the time- I had no employment income - The loan application falsely identified me as a XXXX citizen These falsehoods were knowingly entered by loan officer XXXX XXXX. Under federal banking regulations ( e.g., FHA XXXX XXXX, XXXX XXXX XXXX ), borrowers without permanent residency and verifiable income are not eligible for conventional refinance loans exceeding {$700000.00} without a qualified co-borrower with full financial interest in the property. My co-borrower, XXXX XXXX XXXX, XXXX, was only added to the title to fulfill this condition. 

Wells Fargo later denied any such requirement existed, contradicting its own internal underwriting policies. 

XXXX. WITNESS SUPPRESSION AND TRIAL MISCONDUCT In a civil probate trial concerning the estate of XXXX XXXX XXXX, XXXX, Wells Fargos former loan officer, XXXX XXXX, was called to testify. Leading up to her appearance : - XXXX XXXX had previously agreed to provide an affidavit confirming that the intent of the loan was to ensure my continued ownership of the home - She also acknowledged in text messages that the CPA XXXX XXXX assisted in brokering the refinance and that the home was to remain with me After attorneys from XXXX XXXX XXXX became involved : - XXXX XXXX ceased communication with my attorney and stopped cooperating - XXXX XXXX wrote in an email : XXXX will not be joining the call, cutting off access to material pretrial testimony - At trial ( XXXX XXXX, XXXX ), XXXX XXXX gave contradictory testimony, claiming she could not recall key events and denied prior knowledge contradicting written evidence This constitutes witness tampering and interference in a state judicial proceeding. 

IV. CONSUMER HARM AND SYSTEMIC ABUSE As a result of this misconduct : - I was saddled with a {$750000.00} mortgage based on false eligibility - My home was lost through coordinated litigation abuse - My primary witnesses ( XXXX and XXXX XXXX accountant XXXX XXXX ) committed perjury under oath without consequence - Law enforcement and county prosecutors refused to investigate, citing procedural limitations V. REQUEST FOR ACTION I respectfully request that the CFPB and relevant authorities : XXXX. Investigate Wells Fargos underwriting practices and XXXX loan file for falsified information XXXX. Subpoena emails and internal notes related to the refinance and XXXX XXXX role in blocking testimony XXXX. Refer for federal prosecution any acts of document falsification, perjury, or unlawful witness interference XXXX. Issue guidance to prevent banks from inserting corporate counsel into civil trials to suppress factual evidence VI. ATTACHED EVIDENCE ( To be sent separately ) - Text messages from XXXX XXXX confirming knowledge of loan intent - Email from XXXX XXXX stating XXXX would not be joining calls - Excerpted transcript from XX/XX/XXXX trial showing contradictory testimony - Loan documents showing false citizenship claim - Post-trial call transcript confirming financial interest requirement

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