Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Washington, DC Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint To : Consumer Complaint Agent, Im writing this letter to explain my complaint. I first would like to tell you, I am not struggling to pay my mortgage. In fact, I found out, I do not have a mortgage Note. I own a home in the district of Columbia. My original mortgage began in XXXX and was released in XXXX. I am writing you this letter for two reasons. One, my complaint in its entirety can not be explained using the small box on the complaint form. Two, I believe cfpd can help me right this wrong. 
The house I brought nineteen years ago is the reason Im writing you this letter. I have filed a complaint with cfpb, and I have filed a complaint to Quiet my title. The case is in court as I write this letter. The reason Im writing your agency is to document my case. In XXXX of XXXX, I found out that Wells Fargo had slandered my mortgage with the assistance of HUD. Yes, I said it, HUD assisted. I have attached the email that the HUD employee sent me, it confirms this fact. 
Let me start with the facts that I have been able to gather so far. In XXXX my mortgage was released. Im still not sure if FHA insurance paid it off because it had gone bifurcated for nine years or my father paid it off. What I do know for sure is its was released in XXXX. Up until XXXX of this year, I had been paying this released mortgage to Wells Fargo believing they were the holders of the Note. Wells Fargo lead me to believe they modified my original mortgage. In XXXX, I called Wells Fargo to find out why, I couldnt pay my mortgage online as I had been for the last six years. 
The agent on the other end of the phone told me, your mortgage has been transferred to a new mortgage server, Wells Fargo is not the Holder of your Note, we were only servicing your mortgage. I asked, who is the holder of the Note? She said, I cant tell who it was. A new company was assigned to servicing my mortgage, XXXX XXXX XXXX. I asked, what about the documents you had me sign? you never modified my loan as you said you would. I just received a letter from Wells Fargo saying you overlooked my modification. The agent said she didnt know what I was talking about. She was able to see that Wells Fargo had establish a second mortgage account in my name with a separate mortgage number. I told the agent, yes that was supposed to be my HUD modification and I dont know why its just sitting there in an account separate from my mortgage. The agent pretended not to know what that meant and went on to say, well you dont have to pay us back until XXXX of XXXX. 
Wells Fargo had taken the Partial Claims Promissory Note funds they received on my behalf and opened a separated mortgage account in my name. I was confused about what was going on with my mortgage. Why did I have a second mortgage? I also wanted to know, why did the paper work I signed say I had to pay HUD back if the money was sitting in a second Wells Fargos account? 
I want you to Know, the whole time Wells Fargo was defrauding me I had no idea what was going on. When the fraud began it was at the height of the mortgage scandal, my father and I had stop speaking and my son was in his XXXX year of college. I say all of this to say, I never stopped to investigate Wells Fargos claim to my home. Wells Fargo Started sending me threating letters about foreclosure and I just took for granted they had a legal right to my home, they didnt. 
I started investigating my mortgage in XXXX of XXXX. The first thing I did was go to the Deed of Records. I had gone to the Deed of Records when the fraud first began but, I never examined all the records. I just got a copy of my Deed. Wells Fargo had sent me some suspicious forms, back when they began slandering my mortgage, trying to get me to sign over my Deed to them. So, I wanted a copy of my Deed. I like most, who have been defrauded by Wells Fargo, didnt realize the legal boundaries crossed by Wells Fargo to attain their Trillion-dollar status. Wells Fargo has built their company on the backs of innocent mortgage and account holders. 
Sorry, Ill get back to my complaint. The next thing I did was call HUD. The first time I called HUD, they were just as confused and uninformed as I was. This was alarming. I started asking questions about my FHA mortgage. The HUD agent told me Ms. you dont have an FHA mortgage. I began reading off the numbers on the loan documents Wells Fargo had me sign, the agent corrected me. She read off to me, my real FHA mortgage number, the one that was released in XXXX. I than asked her about the Partial Claims Promissory Note. The agent seemed to have become nervous. She said, Ill have to transfer you to a special department. I cant talk to you about that. I struggled to understand why HUD wouldnt talk to me about a loan I had taken out with them. 
The agent transferred me to a women name XXXX XXXX. When I spoke to XXXX, she told me. Wells Fargo failed to submit the proper paper work required to process a Partial Claims Promissory Note. The Partial Claims Promissory Note had been rendered null and Void back in XXXX. I ask XXXX to send me a letter conforming my Partial Claims Note status as null and void. XXXX went on to say, Wells Fargo paid HUD back once the Note was render null and void in XXXX. She said, since they paid off the Note, I cant give you a free and clear letter because its not your debt. 
I called back the next day attempting to get more information. I needed to document all the facts. I asked the same questions and this time the agent said, oh yes, you do have an FHA mortgage. I told the agent about my conversation with XXXX. The agent then changed her statement and said oh yes, I see where it was cancelled. I ask the agent to explain to me why it was cancelled. The agent than said we have a special department for that. The agent went on to say that XXXX XXXX was no longer the contact person. The new contact person was XXXX XXXX and she could be reach at extension XXXX. 
The calls to HUD went on for about two weeks before I found a XXXX/HUD Specialist smart enough to tell me all about the collusion of fraud. Wells Fargo and the HUD employee where working together to mislead me into thinking I had modified my mortgage. I called attempting to get a free and clear letter to include with my initial compliant filed with the XXXX Superior Court. 
I filed a case against Wells Fargo and XXXX XXXX XXXX. At first, the call went about the same as always. Whenever I called HUD no one ever seem to know what I was talking about. On this day, I called HUDs main customer service line at XXXX. I went into my story as usual, telling the agent I had sent the fax requesting my free and clear letter. I had talked to one of the agents on the main line who said they could give me the letter if I requested it in writing, by email or fax. The agent was just as confused as they always were when I called. After I explained to the agent why I was calling again, the agent connected me to a new Specialist. 
The Specialist came on the line. I began asking her questions about my Partial Claims Promissory Note. I asked her to explain to me what a Partial Claims Promissory Note was. The Specialist, whose name is XXXX, explained what a Partial Claims Promissory Note was and how it worked. XXXX said, Partial Claims Notes were used to pay down past due mortgage payments. I told XXXX about my Partial Claims Promissory Note. Wells Fargo had received XXXX cent on my behalf, the Note was attached to a non-existing FHA mortgage. As we spoke, I realized why HUD had rendered the Partial Claims Promissory Note, Null and Void. Wells Fargo had no original mortgage to attach my Partial Claims Promissory Note to. 
Once I started to tell more about what happened to me, XXXX stopped explaining what a valid Partial Claims Note is. It was at this moment, XXXX realized what she was telling me. She said, well thats not how a Partial Claims Note is processed, you must have a mortgage to attach it to. XXXX than began asking me questions. She asked, did they file this in you Deed of Records? is that what youre looking at? I answered, no they didnt. In fact, I dont have an original mortgage. She stopped talking to me and started asking more questions. Are you working with a lawyer? just have him call and I can explain it to him, hell know what we do. XXXX than said, I need to call my contact over at Wells Fargo before I can talk to you any more about this. Im not going to be able to release any more information until I talk to my contact about this. When she found out I wasnt working to modify my loan, she said, I didnt give you my information for you, this is information for a lawyer. She said, I cant give you a letter until I find out more about why the Note was nullified. She said, my friend/contact at Wells Fargo will know more about what happened. 
I received an email from Ms. XXXX on Friday XXXX the XXXX, XXXX. I have attached the email and the attachments that were included with her e-mail. The email is supporting evidence that Wells Fargo and HUD employees worked together and violated my rights as a homeowner. HUD never contacted me to tell me that my Partial Claims Promissory Note was render Null and Void. Wells Fargo had no legitimate interest in my property and couldnt supply the proper paper work to prove/establish interest in my Deed of Trust. The email Ms. XXXX sent me included an attachment of the documents Wells Fargo had me sign that lead me to believe One, I had a Note with them. Two, I was modifying a Note using a Partial Claims Promissory Note. The Whole transaction was collusion and fraud. I had already requested a copy of the endorsed Note from Wells Fargo, before I began making calls to HUD. The endorsed Note Ms. XXXX referred to and attached to her e-mail ( dated XXXX ) was signed and dated on XX/XX/XXXX. The copy Wells Fargo sent me, of the same Note, was signed and dated XX/XX/XXXX. Ms. XXXX had no way of knowing I had already requested a copy of the document but, what she did know was the documents was fraud. Ms. XXXX knew a Partial Claims Promissory Note had to be attached to a primary Note. She also realized, from our conversation and the fact that the Partial Claims Promissory Note was render Null and Void, Wells Fargo was not the Note holder, I was. Wells Fargo committed fraud on so many levels and slander my mortgage, Deed of Trust. Wells Fargo, created an account in which they deposited XXXX into, using my name and information. This was an illegal act. The email Ms. XXXX l sent me establishes collusion for the purpose of defrauding a homeowner. 
In my initial order to Quiet my title I included copies of all the files recorded in the Deed of Records. Wells Fargo filed four records, two of them were foreclosure notices that named Wells Fargo as the Note holder. Not one of the four records, recorded this modification. My case is very common. The people that where suppose to help me didnt. Wells Fargo knew they where breaking the law. HUD knew Wells Fargo was breaking the law and did nothing to assist me. I hope, I have explained my case well enough for anybody who reads this complaint to understand what happened. 
Im not sure how well I explained the case to the court. I am just a single mother fighting a Trillion-dollar company for what belongs to her and her son. The initial case I filed described the circumstance in legal terms. I hope this letter describes my complaint in Plain Writing. Please feel free to pass my letter onto anyone who can use it to help fight Wells Fargos fraud. I would like punitive damages and I need your agencies help investigating this case going forward. Please feel free to contact me at my email address. I would love to talk to anyone who could help stop Wells Fargos fraud.

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