Wells Fargo Foreclosures: Fill & Download for Free

Yes, by any current definition of what we consider evil - things like taking advantage of others, harming others, stealing from others. Wells Fargo has, throughout its history and especially in the last 20 years, chased profit at any cost, and the cost is usually the livelihood of its customers and the American people.Standout examples:One of the leading institutions responsible for the 2008 Great Recession, WF created and traded subprime loans with the knowledge that they were nearly impossible to pay and were essentially a time bomb that would go belly up and leave millions homeless.Wells Fargo, in the years immediately following the Recession, began creating fake accounts for their customers without their knowledge, and then slowly charging higher and higher fees for the accounts. Millions of dollars were stolen from their customers this way.Wells Fargo has fired tens of thousands of employees when they spoke up against the fake account practice.Wells Fargo frequently forges documents allowing them to foreclose houses they don’t have the paperwork for. This is standard procedure for them, and WF has an internal handbook and custom software to make forging these documents easier. This has lead to some customers receiving foreclosure notices decades after paying off their homes, sometimes demanding upwards of $50,000.Wells Fargo signed up tens of thousands of their customers for expensive, low-quality auto insurance without their knowledge or consent, stealing millions of dollars this way.Anyone who wants to wax poetic on whether a company can be evil or not is merely being cute - Wells Fargo has institutionalized and standardized theft, and their pursuit of profit has harmed millions.Addendum:You can very easily Google any of this (“Wells Fargo foreclosure forgery”, “Wells Fargo subprime crisis”, “Wells Fargo fake accounts”) and the top results are all articles about the various times they’ve been sued for these scams, but here are a choice few sources:Wells Fargo agrees to pay $385M to settle car loan lawsuitNY Federal judge slams Wells Fargo for forged mortgage docsWells Fargo Opened a Couple Million Fake AccountsWells Fargo agrees to $575 million settlement affecting all 50 states in wake of fake accountsWells Fargo to pay $1.2 billion for hiding bad loans before housing crashWells Fargo Illegally Pushed Thousands Of Borrowers Into Subprime Mortgages, Falsified Loan Documents, Federal Reserve Says

In the foreclosure aftermath of the 2008-2009 financial crisis there was a case where Wells Fargo sued itself.Wells owned the first and second lien mortgages on a condominium. As the owner of the first lien, it sued everyone else, including itself:... court documents clearly label "Wells Fargo Bank NA" as the plaintiff and "Wells Fargo Bank NA" as a defendant.Wells Fargo hired Florida Default Law Group., P.L., of Tampa, Fla., to file the lawsuit against itself.And then Wells Fargo hired another Tampa law firm -- Kass, Shuler, Solomon, Spector, Foyle & Singer P.A. -- to defend itself against its own lawsuit, according to court documents.Wells Fargo's defense lawyers even filed an answer to their client's own complaint."Defendant admits that it is the owner and holder of a mortgage encumbering the subject real property," the answer reads. "All other allegations of the complaint are denied."Via Wells Fargo Sues Wells Fargo, Wells Fargo Denies Allegations

Tried to foreclose on me. With no notice. Over less than $5.On as many monthly payments as possible, I set up auto-pay. On those accounts, I check every month to make sure the funds are flowing where they should. As I did with my BOA mortgage.Until one day…Come home to find a huge packet on my front doorstep. Upon opening, there is a bright red page right on top that said something like “Act now, or foreclosure proceedings will begin in one week”. Hrmm… Odd… reading further they say I’m “3 months late” on payments. Check bank account… nope… they got paid all the last 3 months. Silly me thinks “Oh, this is just some banking error”. Call them up, and they are adamant I’m “3 months late”.So they dig…And discover that my escrow payments on the mortgage went up like $1.00/month three months ago. Although they had continued taking the funds out, their computer systems marked me as “late”… and they report this to the credit unions, pretty much tanking my credit like 150 points overnight. I politely explain to the support person that this is ridiculous — they never notified me, they kept taking the funds out, and this is really their issue and they need to resolve everything.First line support says “no can do — we notified you in writing all of the last three months”. I dig out my most recent statement (which normally goes right in the trash… it’s useless info that I can verify easily online). And sure enough, like 1/2 way through a text heavy page full of the normal marketing bullshit, there is a one line statement (same font, same size as all else) that says innocuously I need to increase my payments by $1.00/month.Escalate to 2nd line support. Still the same stance. Third line… all the way up to a manager. And they all draw the same line — “It’s your fault, we aren’t responsible for a thing”. They effed up my phone number and email so they couldn’t contact me via those channels. They kept taking the funds out every month, in full. A simple letter with one sentence inside — “Please increase your escrow payments by $1.00 / month” would’ve resolved all this silliness. But nope — all my fault, and they aren’t responsible to resolve a thing.Dumped them the next month & went with Wells Fargo. WF still has their own amount of computer generated bullshit (locked all my biz accts over a minor, but valid credit report issue — thank you Machine Learning algorithm!), but at least at Wells, you can still talk to an actual reasonable human who understands that, if there is some kind of problem, the bank may actually be part of the problem. The humans at Wells had my issues fixed within 2–3 days.BOA is all computers and humans who act like computers.