{"took":204,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10285708","_score":14.55002,"_source":{"product":"Credit card","complaint_what_happened":"Overview of issue: XXXX XXXX XXXX sold me a membership program using sales documents on-site that are misrepresent the benefits after you sign up. I have been trying to get copies of these documents by calling XXXX support. I have also called and requested sales docs from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX They are very secretive about everything and even told me a document I signed onsite is not something they can supply me which is not legal. Most of the calls below happens during the week of XXXX XXXX  as I tried to find out how to take advantage of the benefits I signed up for on XXXX XXXX. With multiple calls to XXXX XXXX XXXX XXXX XXXX I have been told what I was promised is literally not possible and not a reality. See the XXXX conversation specifically. I requested refunds but to no success. New informationXXXX XXXX XXXX XXXX  to avoid confusion and scams\n\nXXXX XXXX XXXX XXXX with hundreds of reviews stating scams and fraud - XXXX XXXX XXXX post stating exact same issues, this brings this beyond a one-time issue and points to the core purpose of this organization. XXXX provides alcohol and then states they are partners with XXXX XXXX (which is false by all the calls I made that no one knows about this program. \n\nXXXX\n\nMultiple more post and images but Ive attached a few. It doesnt take much to see how XXXX positions themselves as scam artist and selling fraudulent services that are not redeemable. Ive supplied more information below: XXXX XXXX  - horrible reviews and showing the nature of this company. \n\nXXXX\n\nIf Apple or Goldman Sachs do not find this intentional fraud with the use of offering alcohol, shark tactic sales where they tell and show you one thing and cannot deliver, then Im not sure I care to be associated with Apple/Goldman Sachs. Part of the reason you exist is to help protect the consumer, not foster and protect the fraudulent companies that scam people. This is so clearly an ongoing issue with this company that Im surprised it has taken me multiple times to ask to get this reconsidered. I have had a few other disputes in the last decade or more and had 80% less evidence and documentation that I have now with you declining. Im thinking twice about continued use of this card knowing there is zero customer protection or help if you need something.  The dispute process for Apple Goldman Sachs is way more complicated than necessary and very opaque from my side. Ive  supplied more evidence than needed to show you the true intentions of this company. \n\nIve requested for a conversation about this multiple times from Goldman and been ignored or just passed onto someone else who says they can help, but it is not the case. Beyond providing email evidence with this company literally saying, Hahaha! We scammed you! Then I dont know what would satisfy your dispute agents. This is actually fascinating from the standpoint that you have people who have read this and think hmm seems fine. Also, I have requested specifics detailing and why this was rejected. I do not want a generic answer as I continue to get from Goldman.  Ive wasted a year of my life fighting with Goldman Sachs and spent hours on this case. \n\nI have an entire email chain with XXXX XXXX XXXX trying to get a refund.   \n\n\nBeginning of Calls: XXXX XXXX XXXX told me to call XXXX and some exchange weeks program exist where you take points and exchange them for weeks. I was then told there isnt an exchange and you pay by XXXX XXXX also said there is not XXXX/week rate and its points based per hotel. This is what the fraudulent advertising stated at the resort. Had I known they were scammers I would have take photos of the documents they show you onsite. \n\nSpent four hours trying to determine how to get any XXXX XXXX XXXX XXXX XXXX for stay $XXXX/week (which is the sales documents and laminated material they show onsite and tell you multiple times you can get this rate anywhere in the world)\n\nTwo XXXX members told me no flat rates exist - no flat rate but trading power points. It works; I deposit XXXX to be told how many points its converted to in order to determine what I need per stay. I told them I am not giving them anymore money to tell me how many fictitious points I need to reserve a hotel. \nXXXX gets me XXXX  points apparently but Im sure that would change given this company culture of fraud and deception. \n\nTold by another employee ant  XXXX XXXX XXXX XXXXweek does not exist and she doesnt know what the sales people told me vs what is real. They are all liars and deceptive employees who are either not in the know or dont care. \n\nXXXX XXXX XXXX (company that owns XXXX XXXX XXXX was told by two team employee of XXXX they dont know about this program rates or how to book it. They do not see this as an option, and it is NOT possible to use with their hotelsXXXX XXXX XXXX Told me to call XXXX XXXXo talk about exchange weeks and stated I have XXXX on my account. XXXX stated they cannot use these points. XXXX makes up power points and exchange weeks and everything to confuse people and then their vendor and partner companies cant use the services you bought or, in my case as you read below, I was told by XXXX to run away fast. Cancel my membership. XXXX  cannot book XXXX XXXX XXXX cannot use trading power at XXXX XXXX XXXX XXXX  They cannot use points to book those hotels, period. XXXX employee said XXXX XXXX XXXX is not upfront about their package, and they are bait and switch sales tactics to lie to people about benefits they know they cant deliver upon. This was the most eye opening conversation and XXXX XXXX XXXX partner company XXXX is telling me XXXX XXXX XXXX is a very dishonest company. Get a week of search weeks from XXXX to hold points for rooms. Shark tactics all around and XXXX  employee told me to get out and cancel because you will only see more of this with every interaction. He hears this multiple times per day/week from new XXXX  members and gets to warn them. This is a partner company oXXXX XXXX XXXX employees are telling XXXX  members to cancel because of how deceptive and fraudulent they are as a company. \n\n*Search week* is needed but he said they will continue to pull this stuff. He has witnessed it every week that XXXX will tell you one thing and show you less on the other side or state it never happened and they dont know what you are talking about. \n\nHe said to cancel but to tell them to give me a refund because you have not used any benefits.\n\nName XXXX XXXX XXXX XXXX Get out. Honest truth, get out of it. Multiple of the points above are qoutes from this employee at XXXX XXXX XXXX XXXX  rep escalating me had nothing to say when I rattled off this is two separate offers and they are deceptive and demand a refund. The sales pitch doesnt match the back end membership. He was silent and had to give me to someone elsXXXX XXXX XXXX \n\nSigned up on XXXX XXXX What we were sold does not match whats actual available. \n\nTold them on XXXX to escalate the membership to cancel and refund. I was told someone would reach out on 48-72 business hours. \n\nThis never happened I continually had to call them for an entire week or more to get in touch. \n\nXXXX XXXX XXXX  Asked for purchase order agreement \nIsrael is his name working on sending. This took multiple request and was told multiple times I cannot have copies of documents I signed onsite, which I had to inform them was illegal because I am a part of the document, being a party to it. They are still trying to actively keep clients from having access to documentation. (Also seen in my email chain where I had to ask multiple times to get a full document!!! Who sends part of a legal document unless you are trying to hide something, which they were with my signature being altered). The signatures have been altered. I have never signed a document that way. Check my bank, check my taxes and everything else I sign. They are wildly different. \n\nXXXX contract does not state that all the bonuses and benefits/perks as XXXX points and free nights do not get paid out XXXX XXXX XXXX signing but they are a times release over four years. This is never told to you or stated but stated during an onboarding call they scheduled that conveniently happens two weeks later to avoid you wanting to cancel in their 5 day grace period. I wish I had known this company was a scam company within the five days. I was having my wedding at the resort and not thinking much about it and you feel they are owned  by XXXX that would make them reputable. That is exactly what they wanted. I have yet to hear back from XXXX as I have called and emailed them about the matter. I attempted to redeem benefits that were not perks or bonuses but what they told me during the sales process. I tried for 3-4 days and finally on day 5 told them to cancel because after finding out the information above it is clear XXXX  salespeople are misleading and falsely representing the membership. This was weeks after I returned and after my welcome call where you see the yarn unfolding on this service. \n\nEmail Communication with XXXX:\nI have been informed by the XXXX XXXX XXXX contact I have been working with trying to cancel this membership with because they misrepresented XXXX during the sales process, also offered alcohol and supplied multiple drinks plus offered lunch but never provided. I have asked three times now for them to address why the one contract identifying me as a party is not written in my handwriting and appears altered but they never address the question and keep side stepping. I am curious if they supplied this document to Goldman. I have included it on my end. This is document labeled Onsite Document XXXX\n\nI have duplicated this document mentioned above and circled the area in red in question. Why is the line under my name erased and appears my name has been altered? They originally told me they could not supply me this document, and I told them that is illegal because Im a party on the document and entitled to a copy. \n\nThis company has been doing this unchecked for years and many reports online of the same behavior of telling potential members they can get all these benefits, but they then try to access them and told its not available. \n\nAt the end of the dayXXXX XXXX  cannot deliver their service and know this 100%. They prey on people and use illegal tactics to get them to sign up. Its a scam company.","date_sent_to_company":"2024-09-28T21:54:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"44102","tags":null,"has_narrative":true,"complaint_id":"10285708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-09-28T21:16:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have had a few other disputes in the last <em>decade</em> or <em>more</em> and had 80% less evidence and documentation that I have now with you declining. Im thinking twice about continued use of this card knowing there is zero customer protection or help if you need something.  The dispute process for Apple Goldman Sachs is way <em>more</em> complicated <em>than</em> necessary and very opaque from my side. Ive  supplied <em>more</em> evidence <em>than</em> needed to show you the true intentions of this company."]},"sort":[14.55002,"10285708"]},{"_index":"complaint-public-v1","_id":"12028314","_score":5.966694,"_source":{"product":"Mortgage","complaint_what_happened":"As of today's date, I have not heard from Wells Fargo regarding if I'm impacted by the CFPB settlement. From XXXX XXXX XXXX I attempted XXXX loan modifications and was declined/denial every time followed by XXXX foreclosure notifications.   foreclosure and bankruptcy financially have ruined my credit. I'm seeking recovery of all damages available under the law including compensatory and punitive damages as well as attorney fees and costs. HAMP required mortgage Wells Fargo the mortgage servicer to offer loan modifications to borrowers who met certain threshold requirements. These modifications would lower a borrowers mortgage payments to a manageable \nlevel (typically XXXX  percent of the borrowers monthly income) and allow the borrower to avoid foreclosure. Unfortunately, this did not happen. However, Wells Fargo, because of an alleged faulty calculation failed to offer a loan modification. Instead, Wells Fargo needlessly tried to foreclose on my Home. Wells Fargo has attempted to cast its conduct here as resulting from a faulty calculation. However, Wells Fargos problem goes much deeper than a single miscalculation. Wells Fargos conduct here reflects the same type of extreme and outrageous conduct that has embroiled Wells Fargo in a string of public scandals. This software determined customers eligibility for a \ngovernment-mandated mortgage modification during a time of extreme financial distress. Its importance to these customers lives cannot be overstated. Yet Wells Fargo not only failed to verify that its software was correctly calculating whether customers met threshold requirements for a mortgage modification, it also failed to regularly and properly audit the software for compliance with government requirements - allowing life-changing errors to remain uncorrected for years on end.\n\nWells Fargo Admits Loan Modification Error, Wrongfully Foreclosed on Homes\nA quarterly filing with the Securities & Exchange Commission in August XXXX revealed that Wells Fargo made an error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms instead of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX.\nIn XXXX XXXX Wells Fargo revised its estimate, announcing that the miscalculation affected XXXX homes that were going through foreclosure between XX/XX/XXXX, andXX/XX/XXXX.\nAs Wells Fargo explains, two federal government programs require Wells Fargo and other lenders to offer loan modifications to keep people in their homes when they are in default, rather than going through the expensive process of foreclosure. Wells Fargo did not comply with this law, it says, due to a software glitch that affected XXXX  mortgages that were in default. Ultimately, XXXX homes were foreclosed on, when a mortgage modification should have been offered, according to Wells Fargos disclosures.\nSenators Agree: Wells Fargo Computer Glitch Compensation Program Is Inadequate to Repair Damage from Wrongful Foreclosure\nWells Fargo says it has set aside XXXX million to remediate the wrongful disclosures caused by the software miscalculation. Split amongst the XXXX people, Wells Fargo says it wrongfully foreclosed on, which would amount to only about XXXX per person. But reportedly, the checks Wells Fargo is sending out are lower than that. Wells Fargo is telling people they can go to mediation if they want more money.\nSenator XXXX XXXX  said of Wells Fargos remediation plan: Setting aside a few thousand dollars for each of the people affected. Pathetic. According to Senator XXXX who sits on the Senate Banking Committee, Wells Fargos remediation plan does not offer nearly enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroy[ing] peoples credit. Senator XXXX continued:\nIt is hard to imagine how Wells Fargos estimate of XXXX million for remediation would come close to remunerating impacted customers.\n\nList of Challenges and Issues Ive had with Wells Fargo over the last XXXX  years. Starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered a XXXX XXXX XXXX XXXX XXXX  This loan was predatory. A predatory loan is a fraudulent and unfair, deceptive, or abusive loan that can trap borrowers in debt. Predatory lenders often target people who are in financial need. \nDue to the nature of the pick-a-payment loan, the monthly payment increased to an amount that I could not pay so I ended up filing for Bankruptcy in XXXX to remain in my home. In XXXX XXXX XXXX fell as a bank due to pick-a-payment loans and was acquired by XXXX In XXXX XXXX  was acquired by Wells Fargo as it also fell due to pick-a-payment loans. In XXXX XXXX XXXX my bankruptcy was discharged, and as such XXXX  issued a 1099c stating my debt had been canceled and that I was no longer responsible for the debt. However, my loan with XXXX was never reaffirmed nor was the lien released. However, the security deed was not updated to reflect any changes to my loan. \n\nIn XXXX I was given a loan modification by XXXX and issued another 1099c also cancellation of debt.  Also, in XXXX  I was given another modification by Wells Fargo but not issued a 1099c. In XXXX I was given another modification but this time I was but into a XXXXyear loan and Wells Fargo updated the security deed to reflect the new loan amount and to show Wells Fargo as the lien holder.    \n\nXXXX  Wells Fargo increased my mortgage to XXXXyear loan. They Modified my mortgages and told me if I dont agree with the XXXX-year term, I will most likely lose my home to foreclosure. \nAfter signing the XXXX-year loan modification I later found out Wells Fargo added a XXXX mortgage (stealth modification).\nAs the country tried to crawl out of the last recession, homeowners across America sought mortgage modifications to make their home loans more manageable. However, some homeowners say that Wells Fargo not only modified their loans without asking but that this lower rate added years  perhaps decades  to the terms of their mortgages. Wells Fargo has once again found itself in the middle of a growing scandal, as the bank faces accusations of making unauthorized changes to the mortgage loans held by customers who have entered bankruptcy.\nThis issue came to light after multiple homeowners sued the bank, claiming it had changed the terms of their mortgages without permission. While its unclear just how many of these modifications Wells Fargo has made, at least seven lawsuits, including one potential class-action complaint, have been filed against the bank.\nThe class-action lawsuit [PDF], filed in a federal court in North Carolina, accuses the bank of making at least three improper modifications to one couples mortgage beginning in XXXX. The couple filed for XXXX XXXX bankruptcy, which allows people to reorganize their finances while they work toward getting out of debt, in XXXX XXXX. According to the complaint, they were surprised to find in XXXX XXXX that Wells Fargo had filed a stealth modification to their mortgage even though their bankruptcy plan had been approved by the court.\nAny modifications to a bankruptcy plan must be approved by the court and those involved in the case. However, in this case, the couple claims they never agreed to allow Wells Fargo to change their loan terms. The filed modification, which was part of a loan modification trial process at Wells Fargo, lowered the couples monthly mortgage payments from XXXX XXXX XXXX.\nWhile paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to XXXX years.\nUnder the couples XXXX XXXX plan, they were to pay their remaining XXXX  mortgage over 14 years, incurring about XXXX in interest charges. With Wells Fargos unauthorized extension, they would pay the remaining mortgage amount over an additional XXXX years, incurring not only the XXXX interest charges already planned, but an additional XXXX XXXX XXXX  depending on interest rates.\nTo make matters worse, the couple claims the Wells Fargo notice of modification implied that they would lose their home if they did not accept the modification.\nBy following the steps outlined below, you can begin to restore your mortgage account to good standing, the notice stated. If you fail to take the following steps and continue to miss or make late mortgage payments, you risk further damage to your credit and possibly foreclosure of your home.\nThe lawsuit claims that the couple should not have been in danger of foreclosure as they had not missed any payments before filing for bankruptcy and had made all planned payments that had come due.\nFollowing the filing of this modification, the couple claims that Wells Fargo filed similar changes with the court in XXXX XXXX XXXX XXXX XXXX, neither of which were approved or requested by the couple.\nAccording to the lawsuit, Wells Fargo may have submitted the modification plans to enrich itself through incentive payments by the U.S. government.\nThe New York Times reports that some lenders take part in certain programs designed to encourage loan modifications for troubled borrowers. In these cases, the bank can receive up to XXXX from government programs for each loan it adjusts.\nAdditionally, the lawsuit claims that by modifying the loans for a longer term, Wells Fargo can collect millions of dollars in additional interest and servicing fees.\nAllegations found in the North Carolina class-action lawsuit have been detailed in several other complaints against Wells Fargo, the Times reports.\nIn one case, XXXX XXXX XXXX a Texas lawyer, tells the Times that he first thought Wells Fargo had made a simple clerical error when it came to a clients loan modification. But after looking into the issue he found a pattern of filing false documents with the federal court.\nThese modifications, he says, wreaked havoc on the customers finances and bankruptcy reorganization. XXXX tells the XXXX that one of his clients, who filed for bankruptcy in XXXX XXXX, received a letter in XXXX from the bank notifying them that they had been approved for a trial loan modification. While the couple didnt approve or request the changes, the bank submitted them to the court.\nIn this case, the payments were reduced from XXXX XXXX XXXX While the client had a plan in place to repay their loan in XXXX  years, the modification extended that time to 40 years, increasing interest charges by an extra XXXX\nA spokesperson for Wells Fargo tells the Times that the bank denies the claims made in the lawsuits, contending that both the borrowers and courts were notified of mortgage modifications properly. As for pushing through modifications without borrower approval, the rep says, We do not finalize a modification without receiving signed documents from the customer and, where required, approval from the bankruptcy court.\n\nXXXX  Wells Fargo Mortgage Servicing Violations\nSoftware Miscalculations: A glitch in the banks automated system incorrectly calculated that certain homeowners did not qualify for mortgage modifications, leading to wrongful foreclosures.\nLoan Modification Denial: Wrongfully denying eligible borrowers the opportunity to modify their mortgages, resulting in avoidable defaults and eventual foreclosures.\nFailure to Offer Modifications: Banks failed or delayed in offering loan modifications to homeowners who qualified under federal programs, leading to foreclosure even though the borrowers were entitled to more favorable modified loan terms.\nInaccurate Loan Reporting: Erroneously reporting some borrowers as being ineligible for mortgage relief, preventing them from accessing loss mitigation programs that could have saved their homes.\nImproper Fees and Interest Rate Miscalculations: Improperly charging fees and miscalculating interest rates on adjustable-rate mortgages have caused significant financial losses for homeowners.\nMisapplied Payments: Some homeowners reported that payments intended for mortgage modifications were misapplied, causing confusion and leading to wrongful foreclosure due to perceived defaults.\nFailure to Implement Federal Guidelines: Failing to follow federal mortgage relief guidelines that require loan modifications before initiating foreclosure proceedings.\n\nLoss of Mortgage Documentation: Errors in internal systems caused the loss of critical loan documents, which resulted in homeowners being wrongfully denied mortgage modifications.\n\nInadequate Communication: Poor communication practices from banks led to homeowners missing crucial modification deadlines, ultimately resulting in foreclosure even though they were eligible for assistance.\n\nNegligence in Monitoring Errors: Even after discovering errors that caused wrongful modification denials, banks failed to act promptly to rectify the issue, prolonging the harm to homeowners.\n\nFailing to honor your forbearance agreement.\nForeclosing earlier than allowed by recent federal protections put in place due to the COVID-19 pandemic.\nEngaging in practices that violate the 1968 Truth in Lending Act (TILA)\nFailing to comply with your loan modification agreement; and/or\nFailing to give you timely notices you are entitled to receive under federal and state law, such as a notice of default, or a pre-foreclosure breach notice.\n\n4-\tIve received two checks from Wells Fargo\nWhy is Wells Fargo Sending Settlement Checks Now?\nWhile the exact reason Wells Fargo is sending out these settlement checks remains unclear, the bank has likely uncovered a major servicing violation, like the issues outlined above. These violations may have occurred over several years before being discovered. Given the severity of these errorspotentially leading to homeowners losing their properties through foreclosureWells Fargo is likely issuing these checks as a preemptive effort to settle legal claims before they escalate into more costly lawsuits in the future.\nHow Big Are the Settlement Checks from Wells Fargo?\nBased on clients lawsuits, the settlement checks typically range from XXXX XXXX XXXX  with higher amounts indicating more serious violations. If you receive a very large, unsolicited settlement check in the mail, this could be a sign that your case is particularly strong, making it essential to consult with an attorney. \n\n5-\tIssues highlighting the challenges I have faced when seeking loan modifications with Wells Fargo. Wells Fargo loan modification problems include:\nDenial of Loan Modifications: Many borrowers report being denied loan modifications, often without clear reasons.\nDocument Submission Issues: Borrowers frequently have to send in the same document multiple times, leading to frustration.\nConfusion About the Process: Many homeowners feel uncertain about the status of their applications and the overall process.\nNegligence in Handling Applications: There have been claims that Wells Fargo acted negligently in denying modifications to eligible borrowers.\nWidespread Mismanagement: Reports indicate that Wells Fargo has made errors that resulted in the wrongful denial of loan modifications and other issues affecting mortgage customers.\n\n6-\tHarm Done by Wells Fargo Loan Modification Error, Wrongfully Foreclosure \na.\tSevere Emotional Distress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tWrongfully attempted Foreclosure XXXX times XXXX XXXX XXXX XXXX XXXX XXXX.\tHired 3rd party agencies to assist with modification and to stop or avoid foreclosure XXXX XXXX  Had to liquidate retirement accounts to avoid wrong foreclosures. This involved an additional 10% tax due to hardship early withdrawal of 401k XXXX XXXX  Borrowed money from family members XXXX XXXX\tEntitled to punitive damages XXXX   \n\nWells Fargo Unlawful Reporting  Pain & Suffering\nItem\tAmount\nMoney paid to reinstate loan XXXX over 9-year period \nMoney was paid to attorneys/agencies to help stop multiple foreclosure attempts over 9 years.\tApprox. XXXX XXXX XXXX  \nLiquidation of multiple 401k\tLost saving/retirement funds = approx. XXXX XXXX XXXX \nTime spent for management of this issue  XXXX  hrs/year\tApprox XXXX  IRS confiscation of all tax refunds since XXXX\tApprox. XXXX XXXX  per year for XXXX years) \nIRS enforced maximum withholdings  single filer status\t\nApprox. XXXX XXXX  per year.) \nIRS\tXXXX  IRS debt XXXX\nMedical conditions due to stress:\nDuring the past 9 years, we have been under hardship and undue stress leading to the following medical conditions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nAmount - XXXX\nMortgage paid over 9 years totaling over $300,000\nDamaged Credit  I have filed XXXX XXXXtime to stop foreclosure since XXXX which now prevents me from getting a loan.\nUnable to get loans\nXXXX  \nThere have been several lawsuits filed against Wells Fargo ranging from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which have been very similar situations to my situation. Therefore, Im seeking XXXX XXXX XXXX  \nAbove is a list of activities and damage that have severely impacted me and my family due to Predatory lending, reporting 1099c by Wells Fargo, formerly known as XXXX.  Wrongful foreclosure attempts, Loan Modification Errors, ETC. These problems have negatively impacted our quality of daily life (i.e., no vacations, no dinners out, no shopping, etc.) and damaged our credit. This psychological trauma/mental health, stressful event needs to end. After XXXX  years of being on this mortgage, it is still unclear if my mortgage is valid. XXXX XXXX and Now Wells Fargo have all failed me as a borrower. I was given a predatory loan that is a fraudulent, unfair deceptive, or abusive loan that can trap borrowers in debt. After several government bailouts to these mortgage companies, Im trapped in debt that appears no way out but foreclosure. \n\nWhat is Wrongful Foreclosure Action\nA wrongful foreclosure is when a lending institution forecloses on a property without any proper legal basis.  This can be through mistakes, negligence or intentional misconduct.  However, it goes, borrowers should always exercise due diligence making sure they dont fall prey to such practices.  \nWhen Your Rights Are Violated\nLending institutions stand to profit by foreclosing on a property.  It may be done by mistake or by unfair means for financial gain.  Whether accidental or deliberate, wrongful foreclosures have huge ramifications for homeowners.  Families can lose their homes, and their credit is so badly impacted by foreclosure that getting a new mortgage is next to impossible, to say nothing of how bad credit can impact other areas of life.  Wrongful foreclosures also cause undue stress on a family, especially if they must completely rearrange their lives (new neighborhoods/cities/schools / etc.).  Many homeowners may decide to pursue legal action against lenders, to reclaim some semblance of their former lives.\nWrongful Foreclosure Cases\nThere are several high-profile cases to illustrate what happens when wrongful foreclosures happen.  One of the most well-known cases involves Wells Fargo.  In 2019, Washington DCs Eastern U.S. District Court ruled that Wells Fargo wrongfully took back hundreds of homes.  It wasnt deliberate on Wells Fargos part, but a textbook example of a technical glitch in software that caused hundreds of borrowers not to get the loan modifications they qualified for.  As part of the judiciary relief, Wells Fargo gave each borrower more than $10,000.  Victims also had further recourse under a class action settlement with the bank.\nIn another case, a lending institution told a couple they couldnt get a loan modification without getting behind on payments.  They defaulted on their loan and filed for bankruptcy on the advice of the lender.  They lost their home anyway because the lender continued with foreclosure proceedings, even with a bankruptcy stay in place.  The couple eventually were awarded more than $45 million in actual and punitive wrongful foreclosure damages and court costs.","date_sent_to_company":"2025-02-28T09:47:50.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30331","tags":"Servicemember","has_narrative":true,"complaint_id":"12028314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-12T22:11:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["The couple eventually were awarded <em>more</em> <em>than</em> $45 million in actual and punitive wrongful foreclosure damages and court costs."]},"sort":[5.966694,"12028314"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2}]}},"product":{"doc_count":2,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":2,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}}]}},"timely":{"doc_count":2,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":2}]}},"company_response":{"doc_count":2,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2}]}},"submitted_via":{"doc_count":2,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":2}]}},"company":{"doc_count":2,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":2,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":1},{"key":"OH","doc_count":1}]}},"company_public_response":{"doc_count":2,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":2,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}