Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Elder financial Abuse My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on railroad XXXX. XXXX ID XXXX. In XX/XX/XXXX I received an Itemized statement from Wells Fargo. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by Wells Fargo. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX Wells Fargo filed foreclosure. On XX/XX/XXXX Wells Fargo alleges that the loan was paid off. On XX/XX/XXXX Wells Fargo suddenly dismisses the lawsuit which is the second foreclosure lawsuit Wells Fargo has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX  XXXX XXXX. Wells Fargo sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. Wells Fargo has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time XXXX XXXX who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. 
However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed. 
Out of no where a Bank XXXX New York XXXX alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX XXXXXXXX XXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. Wells Fargo filed a foreclosure XX/XX/XXXX. 
When I found about it the foreclosure with XXXX XXXX XXXX XXXX XXXXXXXX it was XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX stated to have no record of the home or involvement with XXXX XXXX XXXX. It appears that XXXX XXXX XXXX using the name XXXX XXXX XXXX XXXX XXXX  as a decoy to hide XXXX XXXX XXXXXXXX from any involvement or liability with the foreclosure lawsuit. In the XXXX XXXX XXXX XXXX XXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the XXXX at the time. 
Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. Wells Fargo Alleged to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. Wells Fargo claims it was paid off on XX/XX/XXXX it can not be both. 
XXXX XXXX  XXXX is alleging that it paid off the loan from Wells Fargo. When it was alleged to already been sold off. XXXX XXXX  XXXX instead alleged to have consolidated the loan to avoid Wells Fargo foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to Wells Fargo XXXX Wells Fargo or XXXX  XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. 
Now XXXX XXXX XXXXXXXX is claiming that it alleged to have paid off the loan, and added Wells Fargo loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with XXXX  XXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. 
XXXX XXXX  XXXX claims to have been paying extra home insurance on the home, Taxes, Wells Fargo transferred loan adding taxes to this amount. The amount XXXX alleged to owe with XXXX XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX XXXXXXXX for money that I do not rightfully owe. 
I also recently discovered that Wells Fargo in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks XXXX XXXX XXXX XXXX XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. 
Wells Fargo had me sign a loan Modification that originated by XXXX XXXXXXXX XXXX  VA loan that I had on the home in XXXX. The loan was alleged to be acquired by Wells Fargo in XXXX. However, this can not be confirmed. Because IXXXX XXXX XXXX  Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX BXXXX XXXXXXXX. VA secured loan. 
In XXXX Wells Fargo pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called XXXX XXXX XXXX XXXX XXXX filed a foreclosure less than 30 days later after alleged to have signed a subornation agreement with Wells Fargo. Now Im in a process to be evicted from my home by alleged to be XXXX XXXX XXXX XXXX XXXX. I believe its XXXX XXXXXXXX XXXX using the name XXXX XXXX XXXX XXXX XXXX to Evict me from my home. XXXX XXXX  XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of XXXX financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX XXXX  XXXX and Wells Fargo were working together as this is connected with the National Mortgage Settlement ( XXXX ). Wells Fargo filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is invalid. The Eviction case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged XXXX XXXX XXXX XXXX XXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The Eviction case was not refiled within one year or vacated. XXXX XXXXXXXX XXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXX  XXXX or XXXX  XXXX XXXX XXXX XXXX XXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. 


Wells Fargo filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. Wells Fargo Alleged to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. Wells Fargo claims it was paid off on XX/XX/XXXX it can not be both. 
Docket one- This XXXX XXXXXXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX XXXX XXXX XXXX I feel that someone took out a loan in my name and identity with Bank XXXX XXXX for me to pay it back later which is fraud. Im also a victim of identity as well since XXXX. 
Docket Two- This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. 
Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of XXXX XXXX XXXX XXXX XXXXXXXX. Who is really XXXX XXXX XXXXXXXX? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXX  XXXX. The Vacancy document has XXXX XXXX XXXX on it as well. 













Respectfully Submitted XXXX XXXX XXXX XX/XX/XXXX XXXX

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