Wells Fargo National Bank, the fourth largest bank in the United States, is facing multiple multibillion dollar class action lawsuits for what could be the largest mortgage fraud scheme in American history.
A widespread pattern of deception and fraud has been noted by this writer, http://www.examiner.com/x-33820-Long-Island-Libertarian-Examiner~y2010m1d8-Obamas-mortgage-modification-fraud and in other places. It is alleged that Wells Fargo utilizes "switch-and-bait" and other deceptive lending practices in its mortgage modification unit. In the process of telling customers to take a temporary lower mortgage payment, Wells Fargo collects billions of dollars in stimulus money and then turns around and unilaterally increases the rates. It is further alleged that Wells Fargo misled customers and told them that modification would not effect their credit and, in reality, Wells Fargo destroys the homeowners credit by reporting them as delinquent even though all payments were made.
Wells Fargo and other banks are collecting billions of dollars from the Federal Government for the modification program but they are not helping many homeowners. "More than 650,000 borrowers have been placed in trial modifications, but as of September, fewer than 2,000 had become permanent." http://www.time.com/time/business/article/0,8599,1945176,00.html Wells Fargo does not even notify borrowers that they have a trial period and use any excuse to increase the rate for any reason at any time.
Customers have complained that Wells Fargo is committing fraud against the Federal Government, its customers, and has violated RICO, TILA and the Fair Debt and Collections Act. Wells Fargo has been put on notice that a multibillion dollar lawsuit is pending and that it faces criminal investigations. Dozens of faxes and calls to Wells Fargo for comment were not returned.
This class action lawsuit could make Wells Fargo the next AIG or Bear Stearns.
TO FILE A COMPLAINT AGAINST WELLS FARGO GO TO THE OFFICE OF THE COMPTROLLER OF THE CURRENCY:
http://www.helpwithmybank.gov/complaints/index.html
Class action lawsuits will be filed in each state; first up:
http://www.housingwatch.com/2010/03/16/sue-your-lender-save-your-home/
In addition to filing a complaint with OCC and class action lawsuit; you can file a lawsuit on your own.
This is happenning to over 100,000 homeowners - this is intentional and it is criminal.
Authors Note:
TO FILE A COMPLAINT AGAINST WELLS FARGO GO TO THE OFFICE OF THE COMPTROLLER OF THE CURRENCY AND FILE AN ONLINE COMPLAINT:
http://www.helpwithmybank.gov/complaints/index.html
Complaining to Wells Fargo directly is pointless. They are digging their own grave. I have warned them repeatedly of the consequences of their actions. They are fully aware that they are committing crimes and violating various state and federal laws. Several class action lawsuits are being pursued you need not have to do anything to be part of them but you can file your own which I encourage. People are, in fact, losing their homes, jobs, reputations, etc... as a direct result of Wells Fargo continued and intentional abuse of its customers. Wells Fargo is collecting Federal money, basically, to pull a scam on homeowners. They trick them into a modification or other Federally funded program, and then automatically begin foreclosure proceedings. If your house is foreclosed on, you can use their false representations and fraud as a defense. More and more homeowners are getting their mortages erased.
This is a shameful example of how a corporation acts when given public money. This is what happens when we bail out banks and corporations.
Comments
?Additionally, Wells Fargo is involved with unscrupulous debt buyers / collection lawyers in acquiring real estate from defaulted borrowers FRAUDULENTLY. False foreclosures via
defunct mortgage companies or lenders with no ownership of the note are being filed in Civil Court and Bankruptcy Courts. Some people suffer irreversible reprisals because of opposing
ILLEGAL property confiscation, and thousands are UNLAWFULLY homeless despite ABSOLUTELY NULL foreclosures. If homeowners sue for "Unfair Debt Collection Practices," lawyers make additional $$ through protracted litigation. Also, Wells Fargo files false IRS form 1099-A’s to receive illegal tax advantages. See more facts & proof on Wells Fargo, unfair activities:
Illegal Foreclosures & Evictions, Appalling Lender / Lawyer Abuses...
newsblaze.com/story/20091011141440lawg.nb/topstory
Lack of Legal Help: One More Way the Deck Is Stacked Against Homeowners
www.huffingtonpost.com/arianna-huffington/lack-of-legal-help-one-mo_b_31
The well Fargo people are so no willing to help, they keep losing paper work after paper work, the insurance company they place on the mortgage did not took care of the mold in the house as they were suppose after all the time they make me waste, I still end up homeless, and I lost every thing. and no one help
after being mislead for 7 months about a loan mod wells fargo is foreclosing on my home closing date jan,03,2012 is there anyone can give me information or someone who can help me stop this sale. joining a class action suit,mortage denfense attorney or something my e-mail tmbolton20012000@yahoo.com
I am a victim of Wells Fargo. I have reported their unfair business practices in two States (Georgia and Alabama). We had an excellent payment history until Well Fargo lost a payment and put us head over hill in their collection department, reported the arrears to the Credit reporting agencies making it impossible to divorce them so to speak, for we all of a sudden was more than so many days behind in our mortgage; their deception knows no bound. I could not with a good conscious work for such a deviant and sleep at night. I do not know where they found many of their staffs. I often felt that they came directly out of the drug warehouse; for they had no professional courtesy! Scarry, but I am happy they are being sued!
Same exact problems, I have done a lot of research on this, here is the short form deal.
The people behind this is gov. agency's Freddie, Fannie, treasury, the hamp program was designed to recover the toxic mortgages with out having to pay for them, catching a lot of us that bought legitimately with 20% down normal loans. This was designed with the banks to make foreclosures more affective, and quicker for banks to do. we stay in the house taking care of it while they do there appraisals and get the foreclosures attorneys involved while we are still making payments, and then when they are ready, they deny modification and immediately foreclose and sell within 30 days. It makes it quick and easy for the banks, and does not cost them as nearly as much money as old foreclosure days. It was designed this way from the beginning of the announcement of HAMP program. For any attorneys, I have info to prove all of this. sawhomes1@aol.com sorry spell check not working, do not have time to c
This whole scheme of Wells Fargo's is so well planned and thought out which makes it . .even more digusting. They probably have an entire separate staff that exclusively works on illegal activity. Pretty soon these felons whill be doing some different kinds of activiThties in prison. They better hope they don't drop their soap in the shower!
I have been screwed the same as all of you and I have gone to help with my bank and all they did was write back to the bank and the bank lied back to them and they bought it and that was that. They are all in it together. I just got my 1099 when I had 3 different short sales one that was $100,000 less then the mortage owed and they turned everyone down. While one of them was all done as far as paperwork and awaiting the banks approval they put it up for auction and bought it back for $148,000 when the last shortsale was for $225,000. Now they sent me the 1099 for the $148k they bought it for and the $400k of the loan. They are crooks and I wish everyone would get together and file a civil lawsuit against them. If there is one how do I get on board? My email is tducksoup1@yahoo.com
I am currently homeless due to the deception from WELLS FARGO but havent been able to attain an attorney in florida to help us with this issue. Is there anywhere I could call to get an attorney?
Here is how mine all happened, after my 7th trial period payment on Dec. 1st 2009, I knew something was wrong, they had quit responding to me. We put into motion the bankruptcy 7 and I wanted my lawyer to have it ready to file end of Dec. We filled Dec 30th, she said that would stop foreclosure and we would just reaffirm home loan.
We final had a little piece, for a few a days, then all of a sudden my lawyer received on about Jan. 7th a relief of stay motion it was filed by a law firm off of Fannie retained attorney list, she had never seen this happen so fast before. This was through the holidays, so in reality the had all this paper work done in a few working days from when we filed. They already had everything ready to go. I knew right then this is all planned out, they know what they are doing and they are very efficient, so don't believe that they are stupid or don't now what they are doing, they know exactly what they are doing, the American people just did not know.
My law
lawyer said there was nothing she could do to stop them because it was a chapter 7. She said the only thing we could do is re file as a Chapter 13 if we qualified. I said no I want to fight this and she said I was crazy, but like everyone else, I have had it and I am going to fight back. I spent a week looking up information to send to my lawyer to come up with something to try and stop it.
We sent a reply with our arguments about 4 days before court date (if we did not respond it would have been automatic). Within 24 hours Wells Fargo (Fannie Mae) sent a request to judge to move the court date 60 days. My lawyer said this was really un heard of so the court date was moved to end of March. I think there is something in our response that they do not want in court.
I will probably be out of bankruptcy by the time new trial date comes, so I am really in uncharted territory now. Will the judge reaffirm or will they start up foreclosure again after i am released from bankruptcy. I don
don't know but I am going to have to stay on top of it and gather any info I can. I do not know if many people have been in this exact situation (have not seen it on blogs) so I am kind of on my own. So any Attorney that wants to fight for the American family and has any suggestions for me I would love to here from you or anybody else. Contact me at sawhomes1@aol.com
I went through 2 modifications the frist one i would call once a week and ask if there was anything they neede and they would say no we have everything we need.Then i get a letter telling me i was disquilfied because i refused to send paperwork in. when i informed them that i never refused anything they told me i was a lier and that the employees put it in the computer and when i informed him that i had the time,date and name of person i spoke with he hung up on me. i call the next day and the lady was really helpful.and we started the loan mod. again and another 6 months went by payed like i was asked to and when i was approved the payment was higher then it was to start. and now the house is worth alot less then what the mortage is for. and they wont work with me anylonger so only thing left to do is walk away from it. and start over again. WELLS FARGO IS THE BIGGEST RIP OFF EVERY and i would join any lawsuite against them!!!!!!!!
Dave they did that to me 3 different times with 3 different realtors. If you get this please contact me at tducksoup1@yahoo.com
I agree with you wells fargo is ripping people off left and right. Every year they go up on my mortgage and give me some lame reason why. They are constantly threatening foreclosure and when I call to talk with them about a loan modification they tell you to send in different information and that they will get back to you. In the end they dont help you. Wells fargo doesn't care about putting people on the streets, they just want your money and your home.
READ CLOSELY: HERE IS WHAT YOU ALL NEED TO DO
WRITE A LETTER TO THE OCC (OFFICE OF COMPTROLLER OF THE CURRENCY)
WRITE LETTER TO TREASURY AND YOUR LOCAL ATTORNEY GENERAL OFFICE AND SEND
A COPY OF ALL LETTERS CERTIFIED TO YOUR LENDER..ASKED ALL THE QUESTIONS IN YOUR LETTER AND YOU WILL GET THE ANSWER YOU HAVE BEEN SEEKING FOR YEARS. GOOD LUCK
I KNOW FIRST HAND THAT THIS WORK AS I AM CURRENTLY WORKING FOR ONE OF THE BIG BANKS NOW AND THEY HAVE TO ANSWER UP NOW..
This happened to us also. We were lead along for 2 years after my husbands residential landscaping business went down hill due to foreclosures. We were told they could not help us until we were late on the mortgage. We called for some temporary help just until we could get through this slow period. Nothing. 12 years of paying perfectly on a house! Then theyre bail out from bad policies effects our business and they wont even help us while using my tax dolloars for a bailout. WE LOST OUR HOME THEY AUCTIONED IT RIGHT OUT FROM UNDER US WHILE SAYING THE DAY B EFORE ALL YOUR PAPERWORK IS IN AND LOOKS GOOD.....they kept saying things like oh we need this paper and that paper, all while they had already recieved these papers just to say oh we need to start again. by then the fees were to big for us to catch up on.
This has happened to me as well! Many other fraudulent thing's please help us and give us contact info to write and whom to call, in the media. I would be more than willing to tell them all my story.
Does anyone one have information on joining the class action law suit this. This is exactly what happed to me. Please help
I am compiling a list of victims of Wells Fargo's modification fraud. If you have applied for a modification, I encourage you to check your credit report to see if they have done damage to your credit, reputation and career. They will place you in foreclosure without you even knowing it and your job will have grounds to terminate your employment. email michaellovesnyc@aol.com
Michael:
Has the Class Action lawsuit against Wells Fargo been filed yet? I am interested to know, beacuse Wells Afrgo has committed egregous, unethical and illegal acts against our family home mortgage, checking and savings account.
Please advise if such suit has been filed.
kind regards,
Henri
California, USA
i was in trail mod after 12 months 5 mo nths paper 6 mo nths mod they say ou don`t qualify with fees and back pay your 8,000 behind we will help you we will put 8000 on the back of your mortage with same inter3st which cost me more monthly i agree they are crooks and i will join any class action against this company
THEY HAVE DONE THE SAME THING TO US,BUT IT IS THE MOTHER-IN-LAWS (93) HOUSE BEING SOLD BECAUSE I WAS TOLD ON THE PHONE " IF YOU THINK YOU CAN GET ANOTHER BANK THEN TRY!" WE WOULD TAKE CARE OF HER BUT SHE WON`T HAVE IT.SHE WILL NOT LEAVE THAT OLD HOUSE, SHE WANTS TO DIE IN IT!....... WE CAN`T AFFORD TO RENT US A HOUSE AND PAY HER PAYMENTS BECAUSE THEY WOULD NOT WORK WITH US, ONCE WE RETIRED. NOW, WE CAN`T EVEN BUY ANYTHING BECAUSE WE ARE SHOWING A FAULTY LOAN WITH THEM! GOD HAVE MERCY ON THE CHEATERS, AS WE BARELY GET BY ON SOCIAL SECURITY, AFTER WORKING BACKBREAKING LABOR JOBS ALL OF OUR LIVES. THANKS WELLS FARGO!
We worked on getting a loan modification for over 2 years. We were told the same thing. Do more paper work. We didn't receive the paper work yet we traced the paper work right to their desk. We were told one
time that our documents had to be typed. We are of retirement age and are being forclosed on.
PLEASE tell us who to contact to be included in this class action suit against Wells Fargo!!! *Told us Home Affordability not available for non FSA/HUD. *Charged 5 months of excessive forbearance payments to qualify for mod but payments not applied to principal/interest, disappeared. *8 months to negotiate mod, received mod papers after they were due and "investor" tried to change terms after docs were presented. *Placed in forclosure while awaiting mod docs & charged for this. *Wells Fargo will not disclose who "investor" is that hired them to administer. *Principal inflated by $40k+/$50k+ yet they avoid any credible explanation of this. *Incorrect invoices since mod, terms of loan on invoices differ from terms of mod. *Money applied towards escrow missing. *Multiple "corrected" Mortgage Interest Statements with wrong amounts. *Harassing calls, reps banging on door and breaking into mailbox, people driving by taking pictures, unreturned calls, no responses/answers/corrections.
Also - We were told by Wells Fargo/Americas Servicing Company that to be considered for a modification we must show hardship. Since our loan was paid each month, we were showing we could afford our payments, therefore no mod. Rep also told us they are dealing with people in the 11th hour of foreclosure and if we want a modification we have to stop paying and let house go into foreclosure like the others.
Credit destroyed because:
1) We couldn't afford to pay any other bills while trying to make $4,000 timely forbearance payments for 5 months. Credit cards went past due.
2) Wells Fargo/ASC reporting unpaid mortgage payments.
3) Wells Fargo/ASC continue reporting unpaid mortgage payments during and after mod since 10/2008. We will not make payment till our loan terms are corrected.
4) Wells Fargo/ASC placed us into foreclosure while they were "having a printing issue" and delayed delivery of our modification documents, although we were assured foreclosure would not be taken.
Also - We were told by Wells Fargo/Americas Servicing Company that to be considered for a modification we must show hardship. Since our loan was paid each month, we were showing we could afford our payments, therefore no mod. Rep also told us they are dealing with people in the 11th hour of foreclosure and if we want a modification we have to stop paying and let house go into foreclosure like the others.
Credit destroyed because:
1) We couldn't afford to pay any other bills while trying to make $4,000 timely forbearance payments for 5 months. Credit cards went past due.
2) Wells Fargo/ASC reporting unpaid mortgage payments.
3) Wells Fargo/ASC continue reporting unpaid mortgage payments during and after mod since 10/2008. We will not make payment till our loan terms are corrected.
4) Wells Fargo/ASC placed us into foreclosure while they were "having a printing issue" and delayed delivery of our modification documents, although we were assured foreclosure would not be taken.
OMG every comment I read on here is exactly what I went through and it was over a 3 year period working with the bank. I paid on time for 2 of those years and asked for help and they told me I have to go into default to get help and when I did they did nothing even though I did all the correct paper work for deed in lieu and short sale. If all you on here can somehow get a call list going so we can start a lawsuite going we can find many more people like us that got screwed by these crooks. my email is tducksoup1@yahoo.com
Same happend to me. After 3 trys, I got a Mod approved 12/30/09. Thought everything was fine, 2/13/10 got foreclosure papers from attorney, and I have been fighting Wells Fargo every since. Please tell me how to get info on class action suit I have had enough of Wells Fargo please send information to smowjo2001@yahoo.com. Lets stop this bank!
Connie, if interested you can contact me at afwings@comcast.net. Am part of class action suit against Wells and also have Lawyer filing on my behalf also. Wells has backed off and stopped my foreclosure and are stating to to discuss a settlement with me. Perhaps I can get you info you need or at least point you in right direction. Take care and I hope all works out for you.. Gale Best
Wow, this is frightening when you read something and it is the mirror image of what has just happened to you. Wells sent me a loan modification agreement on January 6 that was effective Jan 1. I started paying my lower payment amount but became concerned when I never received any final docs back. Every time I called in I was told I had a balance due, the interest rate was still my old (higher rate) and that the modification was still being processed. But they told me not to worry, it wouldn't affect my credit and once the paperwork went through the system all the past due balance would be credited and everything would be fine. Out of the blue I get a notice that I was denied a loan mod b/c I didn't meet investor guidelines. When I call WF they tell me it was b/c they messed up on their end and didn't get paperwork to me on time. Now we have to start all over again. I'm waiting but think it's just a stall...how do I join class action...been working on loan mod since Jan 2009
Wells Fargo sent me two rejection letters the same day. One said that my financial situation was so bad I couldn't meet any proposed modification payment. The other, sent the same day, said that I had been so successful in meeting my present payment schedule that there was no need to modify. This is evidence of bad faith per se. Please let me know how to join the class action. I( am an attorney and would llike to help.
Please help!!! I have also been involved with trying to modify for over a year! At first I showed up for court at least five different times but in the end the bank denied me. I am now again awaiting a response to a new mod since my finances have gotten a little better. I am confused as reading all of the above replies maybe a HAMP mod is not a life line for me!!! I also have a problem with Bof A on an investment property that burned down in March 2009. The bank cashed the insurance check in May 2009 and kept the funds for almost a year and a half before ackowledging that they needed to apply the $93,000.00 somewhere. All this time I am being charged over $3000.00 per month!!!!! I am now in Foreclosure again....
Hello all; I can not believe the response I have been getting from readers here and in private. I think there is definitely a class action suit going on. I want to do one on my own and join in. Any attorneys please email me michaellovesnyc@aol.com.
This will not help homeowners in the short run, Here is what I am reccommending. Continue paying the lower modification agreement and contact their "escalation department" and write to their written correspondence department. Mention this article and send them the link. There are tens of thousands of people who fell for this. These mortgages will be thrown out. Justice Spinner of Suffolk County, New York has set a precedent for this type of behavior.
Also contact your State Attorney General and file a complaint. This is a CRIMINAL matter.
I will get back to as many individuals as I can as I find out more information. You are not alone, you are not insane. Wells Fargo will pay for what they have done to people
HELP. HELP HELP! 414-304-8431
WOW, I’m not alone. I have been fighting with Wells Fargo for the past 2 years and have been denied 3 times for loan modification even after the trial period was completed for various reasons, income is too high, too low, don't have your phone # on file; payment sent to the wrong address, missing information and etc. Wells Fargo told me in order to qualify for the home affordable program I need to reinstate my unpaid balances. I was told if I don’t pay $5000 before Dec. 24 they wouldn’t work with me on any kind of modification, so I did it. Then, the after 9 month of making trial payments I got a notice that I don't qualify. Finally, I contacted a lawyer to file action against Wells Fargo for breach of contract and fraud. I’m really hoping to take to a class action.
Just wondering how they went about sending out these modifications, did people call for other concerns first or is WF trying a new scam? I have been with them for some time and I never have enough in my escrow even when I have paid the shortage, paid the higher payment and even paid extra with my payment. Wondering if I would get one of those modification forms if I called to question them and risk putting my house if forecloure!
Same boat as all of you. Went through the mods and still got foreclosed on, blindsided! I got a local attorney and sued them. We are still in litigation and I have noo idea as to what the outcome will be but please get yourselves an attorney and fight back.
Wells Fargo forclosed on me in October 2008.Same old story,lost my job after 31 years.My 974.00 a month retirement kicked in got the house back.Come April 22,2009 get a letter saying your loan is current and we have now taken you off the loan modification list.May 11,2009 I get a loan modification sent to me.I could save a whopping six dollars a month if I sign it and send it in.At first it looked like I was going to save almost $125.00 but after reading they didn't add in what they needed in escrow, $123.00 a month.Somewhere down the line they would want thier $2000.00 for forecloseing on me.To top it all off,in order for this to be approved I would have to send in $134.55 for doing the paper work.But to give them credit they would knock my intrest rate down to 8% from 9%.I decided not to sign it and let FHA do what they want to do.So far nothing,Wells Fargo now wants all thier foreclosure money and past due payments.Anybody got some good rope,I could put it to good use.
To file a complaint against Wells Fargo go to the office of the comptroller of the currency - link above
Class action lawyers please email me: michaellovesnyc@aol.com
How do we get involved with this lawsuit? Their screwing us to, and from what I am reading their doing it to everyone.
If there's a class action suit against Wells Fargo going on in Illinois, count me in. These criminals ruined my credit and royally screwed me. email herrsugarbeet@aol.com.
Wells Fargo misrepresented my take home income by $1,400 a month more than it actually is and used that data for more than two years to avoid working out a solution with me. The house is foreclosed on January 2010. I have a signed letter from Wells Fargo stating this false information as a response requested by the Comptroller, led by a complaint I filed. Any lawyer interested in this case, please email me at: ekincem@gmail.com
Wells Fargo is Trying to keep everyone on the Trial payment plan as long as they can so no body forecloses and they collect money at the same time!
My name is Linda Coombs and I live in Sanford, NC. I am a mother of 4 children. My youngest son Ethan is a burn survivor. I don't even know where to begin but your story that you wrote on Wells Fargo is a mirror for what they have done to me except they have done this to my family at a family's weakest moment. Imagine watching your 12 month old baby being burned hearing his screams not knowing he was going to survive and then be manipulated and lied to and stolen from by a rich mortgage company preying on innocent people this is my story! My son Ethan received 2nd and 3rd degree burns over a large majority of his body and was in intensive care at the unc burn center when wells fargo contacted us on a Loan modification. It sounded like an answer to our prayers when we were at a lowest point in our life. My baby who was 12 months old was fighting for his life and they gave us a story of hope but come to find out it was all a lie. I have pictures of my baby and proof of everything I am sa
We are on our 4th modification with Wells Fargo. After we have met the 4 month period of payments each month they keep asking for the same information over ad over again. (Proof of income, hardship letter, financial statement, bank statements etc) Thy even sent us a letter stating they received our payment in the amount of get this, $43,900.00. It was a typo on their part but now I am jerking their chain a little...I sent them a letter wanting to know how their letter stating receipt of payment impacts our modification. Have we heard from them??? Heck no!!! I would like anyone who knows how to file a class action lawsuit to share the process with me. Thank You... !
Same wells Fargo horror stories for me too. We've been turned down for mortgage modifications twice since august, 2009 as well as once for the home equity loan. We also had our income information underreported which caused our modification application to be denied. I definately want to sue but I'm having a hard time finding an attorney. I would recommend that we hit this on several fronts. Legal, media, and good old fashioned picketting. I'm planning on setting up two days in June to be in front of my local wells Fargo bank with friends family, and sympathetic strangers to picket all day. I'm planning on notifying the media so that there is some television and newspaper coverage as well. If others wanted to do the same thing in their cities, I'm sure we could get even more attention! I'll have my croud if people carrying signs and will have flyers to hand out asking people to switch ttheir business to a local community bank. I've got a lot of great slogans for signs To share.
Just had to share a couple of slogans for signs. Wells Fargo: Where the customer is the casuality. Wells Fargo: Where modification is a dirty word. Wells Fargo: Working harder to bring respectability to the profession of Loan Shark. Wells Fargo: Where taking your home is their business. If anyone wants to contact me, my email address is: hazenheretic@yahoo.com
The same old story. I am so done with Wells Fargo! I have lost so much sleep and am under so much stress because of this. I do not want my house foreclosed on. I am wanting more information on any class action law suit. PLEASE RESPOND SOMEONE!!! Dated: May 23, 2010.
I'm going thru the same-thing.. I want to join this class action.. I'm so desperated, I'm loosing my sleep and under alot of stress of losing my home.. please help.
Anybody who uses a bank is a fool.
Join a Credit Union instead!
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