Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Loan closing document 2 proves that the loan could not have been legal. It explains all taxes must be paid in full. The title company XXXX, is Wells Fargo company. Wells Fargo was the title company the real estate tax company the appraisal company the escrow company the closing company oh and the lending company! Plainly stated on the closing document 2 I have sent with this complaint as well. You cant legally sale a house that back taxes and a lien on it. As stated by Wells Fargo on page 2 of the closing documents! I have also sent in the original loan documents to show just how many different Wells Fargos there was at that time. XXXX XXXX, XXXX XXXX, Wells Fargo home mortgage XXXX XXXX XXXX OH XXXX Wells Fargo XXXX XXXX Oh, Wells Fargo bank na CO XXXX Wells Fargo home mortgage inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX MD XXXX wells Fargo XXXXXXXX XXXX  SD, XXXX MN. XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX I also have sent in closing documents page 6 that explains this was and is a HUD loan. I also can show you that the XXXX that only appears on the XXXX XXXX, document from XXXX XXXX, our mortgage specialist, up until the internal memo was sent out then its a different specialist. XXXX XXXX was the absolute worst, he refused to add my wife to the loan. With the documents sent this complaint, proves, the closing was illegal, due to the tax lien on the house, closing document 2, explains that. Its an official closing document from Wells Fargo, which one I can not even begin to know. 
Ive established that the closing was illegal and it negates any other claim Wells Fargo can make. XXXX says it wasnt a problem because we had title insurance, through Wells Fargo, yes it was! The whole process was illegal, there XXXX XXXX fine XX/XX/XXXX, improper mortgage practices, as well the XX/XX/XXXX XXXX XXXX for actions during the subprime mortgage lending, which is apparent now we were victims of as well. Evident in the fact we couldnt get the loan because we were not a year out of XXXX XXXX bankruptcy. If it wasnt for their illegal activities and actions during the subprime mortgages, that literally caused the housing crash and damage of XXXX. So even though the illegal closing, we began making the original payment of XXXX. The XXXX loan modification again proves that Wells Fargo had manipulated and falsified documents and statements from the beginning of the loan on XX/XX/XXXX. To the XXXX payment the third month, it plainly shows on the records XXXX sent, we made our payments! Wells Fargo themselves by XXXX were blatantly defrauding us as well as the millions of other customers. The fact we were told to login to the email XXXX is proof yet again of the illegal act and actions by Wells Fargo home mortgage, Wells Fargo bank XXXX, Wells Fargo foreclosure dept oh yet another state being in SC. So mortgage statements coming from XXXX ND, XXXX NJ, SC, 3 different states 3 different types, branches? 
- [ ] XXXX has stated numerous times they have no records to confirm what I have sent. I literally have sent all original documents mortgage statements late statements, foreclosure notices all original and all from one of Wells Fargos many many many companies. We have been the victims of the XXXX. XXXX for mortgage violations rhe XXXX XXXX to homeowners who were in bankruptcy XXXX XXXX XXXX. Again it was foreclosure or bankruptcy! 6 years due to Wells Fargos illegal activity yet again! The XX/XX/XXXX, fine for rhe fake accounts of XXXX XXXX, again, XXXX. Is an email registered a Wells Fargo employee who was able to divert our payments to the XXXX and defraud us as well. XX/XX/XXXX XXXX XXXX for improper mortgage lending practices ; September XXXX XXXX XXXX XXXX XXXX XXXX. Million for mortgage violations XXXX XXXX XXXX for improper lending practicesXXXX XXXX fake accounts XXXX XXXX. XXXX accounts XXXX XXXX for actions during the subprime mortgage lending, I have more than established we have been victims of this practice. XXXX XXXX for fraudulent sales practices of XXXX, again, I have well established that we were the victims of Wells Fargos criminal activity and actions from the very first contact with the company. XXXX XXXX fine for over charges made up charges late fees and other charges that began showing up on mortgage statements coming from XXXX MD XXXX as well as the XXXX accidental death insurance that showed up out of no where. They dont show up on the mortgage statements coming from XXXX NJ XXXX Only the mortgage statements from XXXX MD. The XX/XX/XXXX, is the XXXX XXXX dollar fine, that I discovered just how many laws and criminal actions Wells Fargo has perpetrated on the very consumers, that they have managed to get XXXX XXXX in assets literally off the back of consumers just like us. I have repeatedly asked for XXXX XXXX. In the scope of all the illegal activities and actions from before even signing the illegal closing documents! Documented on page 2 of the closing documents. XXXX XXXX dollars for 18 years of the criminal actions by Wells Fargo, will never be enough to repair the health and physical mental damage done to us by Wells Fargo home mortgage, Wells Fargo bank XXXX, and the numerous other companies that Wells Fargo bank na and Wells Fargo home mortgage XXXX Wells Fargo home mortgage companXXXX, XXXX XXXX XXXX, Wells Fargos company, XXXX XXXX, again a Wells Fargo company. Good faith estimate providers service, in the loan documents, the original loan documents. Not the made up photo copied pages Wells Fargo has sent us. In fact on the XXXX loan modification actual statement from Wells Fargo, we received in XXXX, Wells Fargo at that point had manipulated and defrauded our payments and account to the point, they themselves didnt even know what our actual payment was. XXXX was the original payment amount. The XXXX XXXX assuming should have been the payment amount however it was XXXX, until magically the XXXX accidental death insurance, I never authorized, yet another fee and other charge on top of the late fees, I have proven through my previous complaints we had made our payments, the late payments we were hit with monthly even with the payment being made on time. W have the mortgage statements the XXXX XXXXXXXX records the multiple confirmation numbers with payments and dates. Wells Fargo has abused their position and have cause more financial damage than any XXXX scheme or bank failures to date. XXXX XXXX couldnt begin to do the financial damage Wells Fargo has been allowed to and has continued to do. The Cfpb, is the equivalent to a government backed and funded XXXXi scheme. They have allowed Wells Fargo to continue their illegal criminal enterprise for 20 years now. Wells Fargo knows nothing can actually be done. No one can make a company who has openly and knowingly and willingly defrauded consumers literally for 20+ years! Now Im to believe that they are willingly going to admit much less compensate an individual with no lawyers no law degree. Against a company that has XXXX XXXX in assets literally by all the Illegal actions by Wells Fargo and their employees over a 20+ years of crime, will finally admit and compensate us? They are and have and continue to break laws with absolutely no repercussions or being held accountable for the 20+years of the criminal enterprise they have been allowed and now with the protection of the CFPB, continue defrauding American consumers, the very backbone of their business, yet they are allowed to continue with their illegal criminal enterprise! We want the XXXX XXXX we deserve, really it should be more.

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