Wells Fargo Bank defraud customers

Wells Fargo Bank defraud customers in Herculean proportions. According to the author on Blogspot-com Wells Fargo bank opened multiply accounts and lied relentlessly. I am not surprised – I have the same experience in foreclosure case where Wells Fargo bank filed forged documents with the Court; their lawyers lied to Judges;

JUDGES  lied to me; criminally concealed material evidence from case records;  and organized a campaign of terror against me such as bullying and threatening me from the bench; inviting impersonators; kidnapped and detained me without ANY cause – all to help Wells Fargo bank to steal my property.

At least SIX judges in my case received money from Wells Fargo bank lawyers.

Here is another witness’s story with Wells Fargo bank

Monday, April 25, 2016

Wells Fargo Bank opened two accounts in my name for a third party,without my knowledge or permission, or my signature on any bankdocuments, using a phony driver’s license number and other fraudulent information about me

Several years ago, I hired a property management company to manage and maintain an out of state property that I owned in Utah.
The management company wanted me to give them full financial control of the property and in turn, they would pay the mortgage, property taxes, insurance, utilities, and any maintenance or repair costs incurred, from the more than ample income generated by the building as a HUD Affordable Housing complex.
Because the HUD subsidy checks were made payable to me, but mailed to the management company, they wanted me to give them permission to open business checking accounts in my name, so they could deposit the tenant’s rent checks, the checks from HUD, and write checks to pay the bills.
At the time we executed our contract, the management company gave me a Wells Fargo Bank – Account Authorization and Account Application to sign, which had already been pre-signed by three officers of the management company.
The building generated more than $100,000 per year, and because I didn’t know these people, or have any prior relationship with them, I was more than a little uncomfortable with the idea of giving them unrestricted access to that much money.
I told the management company that I wanted to investigate alternative banking and bill pay methods, and I left their offices with the Wells Fargo Account Application and Authorization forms they had given me, and I never signed them. (photo below)
I still have those documents today. They are still unsigned by me and they have never been out of my possession since the day the management company gave them to me
A few weeks later, I unexpectedly received a Wells Fargo ATM card in the mail. I contacted Wells Fargo Customer Service to ask them why they had sent me the card and what it was for, and the customer service representative told me that the card was associated with the accounts I had recently opened in Utah.  I told her that I had not opened any accounts in Utah, but she insisted that I had, and then put me in contact with the branch office where the accounts had been opened.
The Business Accounts Manager at the branch told me that it was actually the management company who had opened the accounts, and reassured me that no account fraud had occurred.
He lied
I told the Business Accounts Manager that I had not authorized the management company or Wells Fargo, or anyone else to open bank accounts for me. I also told him that the management company had asked me to sign an Account Authorization and Application so they could open bank accounts, but I was not comfortable with that arrangement and I never signed those documents and I still had them in my possession.
Once more, the Business Accounts Manager assured me that the accounts had been opened legitimately, and that no account fraud had occurred.
Again, he was lying 
He also told me that the bank had obtained all of the required supporting documentation and necessary items, including a signature card, my identification, and proof of a DBA filing, at the time the accounts were opened, which would have been impossible, given that on the date the accounts were opened, I had not been in Utah for over a month. I did not sign any bank documents while I was there, nor did I give anyone copies of my identification, or authorize anyone to open bank accounts.
Nevertheless, the Business Account’s Manager continued to insist that the bank had received everything that was required to open business bank accounts, and led me to believe that I had signed another set of bank documents, which the management company used to open the accounts.
Wells Fargo lied to me and led me to believe that the accounts had been opened with all of the proper supporting documentation that anyone opening business accounts would be required to provide to the bank. Since arrangements needed to be made that would enable the management company to pay the bills, and since the accounts were already open, I allowed them to stay open, because certainly the bank I had done business with for nearly 20-years would never lie to me, or open accounts without my knowledge or permission. Right? 
For the next 4-years, the management company repeatedly told me that everything was going great and that the building was running smoothly, and aside from exceedingly high maintenance and repair costs, I had no reason not to believe them….until one day, I received a voicemail message from them, telling me that a woman had been brutally murdered on the property. Shortly after that, I learned that just weeks earlier, another tenant had been violently raped at gunpoint inside her apartment.
I made the decision to hire another management company to take the building over and I traveled to Utah over the Thanksgiving holiday to make the change, but before I could get there, the management company had written three checks to themselves on the building’s accounts, totaling nearly $7,000 and cashed them at Wells Fargo Bank, effectively draining the accounts of any available funds.
The check numbers matched gaps that had been maintained in the check numbering sequence by the management company, which Wells Fargo immediately identified, noting that their risk models show that when gaps are maintained in the check numbers, it enables someone to write a check that would appear to have been written at an earlier date. Wells Fargo also noted that their risk models show that the presence of such gaps, are often an indicator of check fraud. The checks were also for uncharacteristically high dollar amounts, another risk model indicator of fraud, yet Wells Fargo cashed the checks anyways, despite these glaring red flags, and never even bothered to investigate, or notify me.
When I arrived at my property, I barely recognized it. The building had become a run down dilapidated tenement. The management company had failed to maintain it by any known standard of care, yet they had spent every last dime (over $400,000) that the building had generated over four years.
The photos below show the condition of my building 
Top: On the day I hired the Management Co. 
Bottom: On the day our contract ended
Because the management company continued to write checks on the building’s accounts after our contract terminated, I went into the Wells Fargo branch where they had opened the accounts, advised them of the situation, and asked them to close the existing accounts and open replacement accounts with different account numbers.
The Wells Fargo Branch Manager closed the existing accounts, but then refused to open the replacements, because none of the required supporting documentation for the accounts was on file with the bank. No proof of a DBA filing with the state. No signature card for me, no Account Application or Authorization on file. Nothing.
Wells Fargo Bank had fraudulently opened these accounts hoping
that I wouldn’t find out what they had done… but I did
I asked the branch manager how the accounts could have been opened in the absence of these items, and he told me that Wells Fargo would not have opened them… but they did. He also added that if the accounts had somehow been opened without the required supporting documentation, the bank’s computers would have red flagged the accounts and the bank would have closed them after 30-days… but somehow that never happened, because the management company’s contact at the bank was making sure that it didn’t.
The fact is that, not only did Wells Fargo knowingly open the accounts in violation of Federal banking requirements,  they also failed to close them after 30-days, and went well out of their way to cover up what they had done for four years, while the management company ran my building into the ground and were apparently using the accounts as their own private little piggy bank.

I asked Wells Fargo for a written explanation as to how and why they opened two business checking accounts in my name, in my absence, without my signature, identification, or proof of a DBA filing with the state, and why they allowed those accounts to remain open for four years without ever notifying me as the primary account holder listed on the accounts, that they were opened illegally, but they refused to answer, or cooperate with me further.

Wells Fargo wasn’t about to admit to me in writing that one or more of their employees had knowingly opened fraudulent accounts without obtaining any of the items or documentation that is required to open business accounts
When I asked the management company to turn over all of the banking materials that were associated with the accounts, they told me that the checks were computer generated, and that all deposit slip books and records had been shredded, “in accordance with the company’s annual shredding policy.”
Why would the management company shred banking materials?
Unless they were trying to hide something… Like evidence of fraudulent accounts
A few days later, a lesser informed employee of the management company, who was not aware that I had already been told the deposit slip books and records had been shredded, turned over every deposit slip book that had ever been issued for the accounts over four years.
They were in remarkably good condition considering they had reportedly been shredded.

That’s when I turned to the CFPB – The Consumer Financial Protection Bureau and the OCC – The Office of the Comptroller of the Currency, for help.

Once Wells Fargo realized that they had actually opened the accounts without my permission, and did not have my signature on any bank documents authorizing them to open accounts, and that they had failed to require the management company to provide them with any of the federally required supporting documentation before opening the accounts, they became less than helpful.
Wells Fargo’s Position?
If we don’t admit it, we didn’t do it
…even if we did. 

Because Wells Fargo refused to take any responsibility for their actions, I filed a complaint against them with the Consumer Financial Protection Bureau, (CFPB). The complaint alleged that Wells Fargo had knowingly allowed a third party to open two business checking accounts in my name, in my absence, and without my authorization, my identification, or any of the federally required supporting documentation, and that they kept the accounts open for four years without ever notifying me of this activity, as the individual listed as the primary account holder on the accounts.

In their initial, and incomplete response to the CFPB, Wells Fargo provided false information, referencing a single account, with a different account number and business name, that I opened in California in 2009, 4-years after the accounts in question were opened, even though my complaint clearly specified that there were two accounts, including the account numbers, and that they were opened in Utah, in 2005.

Incredibly, Wells Fargo also identified the 2009 account they referenced in their response as having been, ‘opened fraudulently‘, despite having all of the proper and required documentation on file with the bank for that account.
Wells Fargo made a four year mistake?  Not very likely.
Wells Fargo lied to get out of trouble? VERY likely.
Wells Fargo’s response letter to the CFPB.
Wells Fargo never bothered to address the existence of a second account, or why they had opened the accounts without obtaining the required proof of a Business Registration filing with the state, or why they kept the accounts open for four years, knowing they never had it.
After pointing out that Wells Fargo had provided false information in their response, the CFPB recognized the need for further investigation, and forwarded my complaint to the Office of the Comptroller of the Currency. (OCC).
In their first responses to the OCC, Wells Fargo completely omitted the information they had previously given to the CFPB, and this time they claimed to have my signature on file on a Business Account Application (pic below).  which they did not have.

In a subsequent response, Wells Fargo claimed that I had provided my California Driver’s License as identification at account opening, even though I was not present at the time, and had not been in the state for over a month, and wasn’t even aware that the accounts had been opened.

Remember the branch manager who refused to open replacement accounts for me, because Wells Fargo didn’t have my signature, identification, or my DBA on file? 
If they didn’t have it then, they couldn’t have it now. 
 
Once again, Wells Fargo failed to address why they had opened the accounts without first obtaining the required proof of a DBA filing with the state, or why they knowingly allowed the accounts to remain open for 4-years without it.
I pointed out to the OCC that Wells Fargo failed to address the entire complaint, and that it would have been impossible for them to have my signature, or a copy of my driver’s license on file, because never signed any bank documents, or gave anyone copies of my identification, and I wasn’t even in the state when the accounts were opened.
Nevertheless, the OCC accepted Wells Fargo’s, we didn’t do anything wrong” response as being truthful and closed the case.

I filed a resolution dispute with the OCC, noting that Wells Fargo had not addressed the entire complaint, and that the information they had provided was not truthful. I also furnished the OCC with additional documentation in support of my dispute, which included a letter from the Office of the Secretary of the State of Utah, confirming that there was no business registration on file with their office for the entire time the accounts were open, and that no business entity with the name appearing on the bank accounts was qualified, or authorized to transact business in the State of Utah. (below).

Nevertheless, the OCC accepted Wells Fargo’s lies as the truth, dismissed my dispute, and closed the case again.
The most interesting part of the investigations
In their responses to both government agencies, Wells Fargo was certain that they had done nothing wrong, and had obtained everything that was required to legally open business bank accounts. In fact, they were so certain, that they never even bothered to look into the matter, or check to see what documentation they had in their files, before submitting their responses.

Wells Fargo did however, decide to have the same person respond to both of these agencies using an alias, so that neither agency would discover that they were being lied to, by the same person.

It doesn’t take a handwriting expert to see that the same person signed both of the letters (above), but used different names and job titles.  Sharon Green and D. Green are one in the same person, but why would Wells Fargo want the same person to respond to two government agencies on the same topic, using different names?

When Sharon Green responded to the OCC’s investigation, she used the name, D. Green and completely omitted the information she had given to the CFPB as Sharon GreenThis time she came up with a whole new story about having a copy of my driver’s license on file, and my signature on a Business Account Application.   which they did not have.

It’s also no surprise that Sharon Green and D. Green share the same last name with another woman  who worked for Wells Fargo and had a notorious history of fraud. Linda Green.

Linda Green was an auto parts shipping clerk from Georgia, who was hired to sign thousands of phony bank documents for Wells Fargo, as the bank’s Vice President.

The CBS 60-Minutes segment below, details how Linda Green was hired to sign thousands of phony bank documents for Wells Fargo, as the Bank’s Vice President. In fact, so many phony bank documents were being signed, they had to hire other people to sign Linda Green’s name also.
Is Green the code name Wells Fargo uses for fraud?
 

In 2011, I went into the same Wells Fargo branch where the accounts had been opened, and I tried to open the same type of accounts, without providing any of the Federally required supporting documentation. The Wells Fargo employee refused to open the accounts, stating that her computer wouldn’t even let her proceed further in the account creation process, without the required items… but their computers had no problem proceeding for the management company… and I had no problem video taping this Wells Fargo employee proving it.

This Wells Fargo employee went through the account creation process with me, but refused to open the accounts after I told her that I didn’t have proof of a DBA filing

Wells Fargo turned over the only evidence in existence that they committed fraud and covered it up for four years

After years of lying to me, and repeatedly providing false information to both the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, Wells Fargo finally agreed to turn over copies of all the documentation they had on file for both accounts, on the condition that I go into my local Wells Fargo branch office with my drivers license in hand, to verify that I was the same person whose name appeared on the accounts, after which, Jennifer, in Wells Fargo’s Executive Office, would fax those documents to me at the branch.

Video above: Jennifer in Wells Fargo’s Executive Office, agrees to send me copies of
all the documents Wells Fargo had on file for the accounts
At the bank, I advised the branch manager of the arrangement that Jennifer in Wells Fargo’s Executive Office had made with me and then gave him my driver’s license to validate my identity against the information that was listed on the account documents.
The branch manager verbally confirmed my identity with Jennifer over the phone and as promised, she faxed over all of the documentation that Wells Fargo had on file for both accounts.
Not surprisingly, none of the documents had my signature on them. In fact, the documents that Wells Fargo had repeatedly insisted my signature was on, were nothing more than photocopies of the Account Application and Account Authorization that the management company had given me in their offices, which I never signed and still had in my possession.
The only signatures that appeared anywhere on the documents, were the signatures of the three officers at the management company, who opened the accounts and listed themselves as authorized signers.
But how would the bank get photocopies of documents if I still had the originals? 
After signing the Account Application and Authorization themselves, the management company made photocopies of those documents, before giving them to me, which clearly shows their intent was to open accounts with or without my permission. When I left their offices with those documents in hand, the management company simply used the photocopies they had made to open the accounts, with the help of their contact at Wells Fargo Bank, who criminally overlooked the fact that the documents were not signed by the person whose name they were opening the account in, and that none of the Federally required supporting documentation was provided with the application documents.
 Left  Original document signed by the management company but not by me
Right  Document that Wells Fargo had on file for the accounts… a photocopy

But why would they do that? 

The subsidy checks from HUD were sent to the management company, but were made payable to me. In order for the management company to have access to that money, they needed to deposit the checks into an account that was in my name, and listed the officers of the management company as authorized signers.
Upon closer examination of the account documents, the management company’s address was listed as my home and mailing address. They also listed their office telephone number as my home phone number, which effectively ensured that I would not have any contact from the bank regarding the accounts, or receive any account statements.
The most telling evidence of fraud appears on the Account Application, in the primary account holder’s identity section, where the drivers license number listed, is not even close to my license number (below)Remember the branch manager who validated my identity with Jennifer over the phone, by comparing the information on my driver’s license, with the information on the account documents? Was he blind?
Why would the bank and/or the management company use a phony drivers license number for me? Because it’s required information on the account application documents and neither the bank, nor the management company, had my actual driver’s license number, so they just made one up.
EVIDENCE OF FRAUD:
 
Wells Fargo accepted photocopies of Account Authorization and Account Application forms that were not signed by me and had no original signatures on them, to open accounts in my name, in my absence, for a third party, without obtaining any of the supporting documentation that is routinely required from anyone that is opening business bank accounts.
Wells Fargo opened accounts in my name for somebody else, over a month after I had left the state, and never even bothered to verify my identity, or validate any of the identifying information that was provided to them on the Account Application and Authorization forms.
The banker would have to be drunk and using a typewriter 
from another planet to get my license number this wrong
 
Wells Fargo also opened the accounts, without obtaining the required proof of a DBA or Business Registration filing with the state.  Below: Email from the Mgmt. Co. telling me that they did not file a DBA before opening the accounts. 
 
After demanding that the management company turn over all banking materials to me, including the DBA documents, their Company Controller and Chief Financial Officer claimed that everything had been shredded. I discovered that he was lying, when one of his lesser informed co-workers, turned those banking materials over to me, un-shredded.
In this email to me, the management company claims that they shredded the deposit slip books.
Fortunately, another employee with more ethics turned them over to me, un-shredded

Wells Fargo refused to open the same type of accounts for me, until I provided them with proof of a DBA filing, but they had no problem doing it for the management company, who admittedly did not file one.

Even Wells Fargo’s Fraud Investigation Was A Fraud

After years of Wells Fargo’s repeated lies to both, The Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau, about the fraudulent bank accounts they opened in my name, Wells Fargo finally agreed to turn over copies of all the account creation documents they had on file, which they insisted my signature and drivers license number were on.

On October 19, 2013, I contacted Jennifer in Wells Fargo’s Executive Office and demanded that she produce copies of the documents that Wells Fargo spent years insisting my signature was on and send them to me, during a recorded phone call. (You can listen to that call here: https://youtu.be/DHK6aUfvRaI ).

As agreed, Jennifer faxed copies of those documents to me at the Studio City, CA branch of Wells Fargo. Not surprisingly, none of the account creation documents had my signature on them. The driver’s license number that was listed, wasn’t even mine. Neither was the birth date, address or phone number listed for me. (pic)

In fact, the only signatures or correct information on any of the account documents that Wells Fargo had on file for the accounts, belonged to the three criminals that Wells Fargo opened the accounts for.

On November 25, 2009, (the day before Thanksgiving and 3 days before my contract with Kier Management terminated) Kier CFO, Gordon Neilson wrote 3-checks, made payable to Kier Management totaling $6,970.26 and cashed them at Wells Fargo Bank, effectively draining the accounts of any available funds.  I immediately contacted Wells Fargo and filed a fraud claim, which was promptly denied because the checks signer was listed as an authorized signer on the accounts (pic).

On October 19, 2013, after receiving copies of the fraudulent account creation documents from Wells Fargo, (pics), I contacted Wells Fargo’s Fraud Department and asked them to re-open my 2009 fraud claim and return the $6,970.26 to me, because you certainly cannot have authorized signers on fraudulently opened accounts. (pic)
Wells Fargo sent me a Fraud Affidavit, asking me to fill it out, have it notarized, and return it to them with any evidence or documentation I had to support my claim (pics, which I did on November 9, 2013, by certified mail, using the pre-addressed envelope that Wells Fargo provided to me with the affidavit.

Ten days later, on November 19, 2013, I received a letter from Wells Fargo’s Fraud Department, stating that they had not received my affidavit, yet U.S. Postal records show they received it on November 13, 2013. (pic)

On November 21, 2013, I re-sent my affidavit to the Wells Fargo Fraud Department, this time via fax, from the Studio City, CA branch of Wells Fargo Bank. (pics)
Days earlier, on November 5, 2013, I received a Certificate of Non-existence (pic) from the Utah, Department of Commerce – Division of Corporations and Commercial Code,  showing that at the time Wells Fargo opened the accounts for Kier Property Management, there was no business entity qualified or authorized to transact business in the State of Utah, in the name “Peery Apartments”, and that no business entity by that name, was registered with the State for the entire time that Wells Fargo held the accounts open. (December 8, 2005 to December 3, 2009).
On December 11, 2013, I contacted the Wells Fargo Fraud Investigator in charge of my claim. Once again I was told that they never received my Affidavit, despite evidence showing they received it on November 13, 2013 via certified mail, and again on November 21, 2013 via fax from a Wells Fargo branch office.

Realizing that I was getting the run-around and that this was yet another attempt by Wells Fargo to avoid taking responsibility for what they did, I asked to speak to a supervisor.

The supervisor also told me they had not received my Affidavit and asked me to send it for the third time, directly to her via fax, which I did on December 11, 2013, from the Studio City, CA branch of Wells Fargo Bank (pic). I also asked her to contact me and confirm her receipt of those documents, which she did on December 16, 2013.

On the afternoon of December 16, 2013, I received a letter in the mail from the Wells Fargo Fraud Department, denying my claim. (pic) The letter was dated December 10, 2013. The day before the Fraud Department supervisor claimed that they had not yet received my affidavit and had me fax it to them again from a Wells Fargo branch office. (pic)

SOMETHING AIN’T RIGHT HERE
Why, on December 11, 2013, (picwould both the Wells Fargo Fraud Department claims investigator in charge of my claim, and her supervisor, ask me to send them my Affidavit and documentation for a third time, knowing that they had already denied my claim a day earlier and had sent me a denial letter signed by that same claims investigator? (pic)
Because Wells Fargo had no intention of reviewing any fraud claim that would cause them to pay out $6,970.26 and likely cost them tens of thousands more, by admitting to fraud.  
 

Wells Fargo failed to respond to this letter and
I never heard from them again
Smells a lot like fraud to me

Wells Fargo Fraud cost me everything I have ever owned

Once Wells Fargo gave me copies of all the documents they had on file for the accounts, it became clear that not only had Wells Fargo opened the accounts without my permission, they knew it, and they lied about it repeatedly to keep from taking responsibility for this crime.

They did not have my signature on any account documents, nor did they have my drivers license on file, as they falsely claimed during the investigations by the CFPB and the OCC.

In fact, the documents show that Wells Fargo accepted photocopies of unsigned account application and authorization forms, and that they used a phony driver’s license number, birthdate, address, and phone number for me, and never obtained any of the Federally required supporting documentation to open the accounts.

Armed with this evidence, I filed a lawsuit against Wells Fargo for fraud. 

In court, Wells Fargo never denied what they had done. They never had to answer for why they opened accounts without my knowledge or permission, or why they lied to me when I questioned them about it. They never had to tell the judge why the account documents they had on file, did not have my signature on them, or why they used a phony driver’s license number for me. They never had to address why they failed to get any of the Federallyhttp://wf-bank-fraud.blogspot.com/2016/04/wells-fargo-fraud-cost-me-everything-i.htmlrequired supporting documentation when they opened the accounts, or why they never notified me that someone had  opened accounts in my name, in my absence, without any of these things. They never had to tell the court why they lied repeatedly to the two government agencies that investigated this crime, or why they denied my check fraud claim because the signer of the checks was listed as an authorized signer on accounts that I never opened or authorized.

Instead, Wells Fargo simply sidestepped the issues once again and demanded that the judge dismiss my case, because it took me too long to find out what they had done, and the statute of limitations had run out.

The court never considered that the reason it took me so long to find out what they had done, was because from day one, Wells Fargo had gone well out of their way, with the help of the people they committed this crime with, to cover it up.

The judge never considered the fact that the repeated lies that Wells Fargo told to keep from getting caught, was the reason that it took me so long to find out. The judge never considered that without  evidence I had nothing but accusations and no proof, or that for 4-years Wells Fargo refused to give me copies of the documents they had on file which proved what they had done. He just dismissed my lawsuit, with prejudice, which means that I can never sue Wells Fargo for what they did in the future.

Should the Statute of Limitations Apply?
In 100 years, the lies Wells Fargo told will still be lies. What they did will still be fraud. The account documents they have on file will not have changed, and Wells Fargo’s actions will still be criminal

Wells Fargo knew exactly what they were doing and for four years they repeatedly lied to me and two government agencies about what they had done to cover it up, while they ran the clock out on the statute of limitations. Once the statute had run out, they were home free.

Once they got the lawsuit dismissed, Wells Fargo promptly foreclosed on my home, because I couldn’t afford to pay for the losses that I suffered as a result of their crime, and make my mortgage payments too… but that’s not where it ended.

Callers put on endless holds
that were never answered
The company that Wells Fargo hired to foreclose on my home (Cal Western Reconveyance), had actually filed bankruptcy, closed their doors and went out of business, well before they foreclosed on my home. Their offices had been abandoned for months, yet their automated system was still answering the phones and placing callers on an endless hold, in an attempt to trick people into believing they were open for business and ‘the next available representative would be on the phone with them shortly’, while they silently disappeared. 
Wells Fargo was surely aware that Cal Western Reconveyance, the largest facilitator of foreclosures in the Western United States, had filed bankruptcy and closed their doors, amid allegations that they were so strapped for cash, they hadn’t even paid their own employees for months, yet Wells Fargo allowed this company to proceed with my foreclosure, with no substitution of Trustee.

Cal-Western Reconveyance claimed that their parent company had taken over as Trustee, but their parent company, Prommis Solutions filed bankruptcy months before Cal-Western had, as did Butler and Hosch, the company that owned Prommis Solutions… but wait, there’s more

My house sold for more than double what I owed on the loan, so Cal-Western paid Wells Fargo what I owed them and kept the surplus funds for themselves (over $300,000) and disappeared like thieves in the night, while Wells Fargo spent months lying to me and refusing to give me any information on who to contact, to cover up for them.

If Cal-Western was out of business, how did they pay Wells Fargo?
You can’t be out of business and in business at the same time

Despite my repeated written and verbal demands for Wells Fargo to give me the information on who I needed to contact to claim the surplus funds from the sale, they always had some excuse for why they couldn’t give it to me, because Wells Fargo wasn’t about to tell me that the company they hired to steal my home, had also stolen the money I was owed. So they continued to stall and put me off, to buy themselves some time.

During one of the countless phone calls I made to Wells Fargo, trying to get the information I needed, they had one of their Executive Mortgage Specialists in theIr Customer Care and Recovery office, tell me that I was not entitled to ANY of the proceeds after being foreclosed on, in an exceedingly demeaning and dehumanizing (and recorded) telephone conversation, that began with him belching into the phone while I was speaking to him.
I contacted his supervisor, Melissa Delariva in Wells Fargo’s Executive Office, to discuss the way he had treated me over the phone, and she promised to look into the matter and get back to me the following day. I never heard from Ms. Delariva again, despite the many attempts I made to make contact with her, as well as her supervisor, Cathryn Bower, and the numerous voicemail messages I left for both of them.
Click here or use the player to listen to my call with Ms. Delariva:        
That’s when I realized that Wells Fargo had put out a red flag warning on their employee computer system about me, instructing their employees not to have any further contact with me and to transfer my calls to a recording, advising me to contact their attorney, Steven Sidman, as soon as I identified myself.
Click here or use the player to hear my call transferred to the recording  


Click here or use the player to listen to another example   

Wells Fargo was intentionally preventing me from contacting them, because they knew that Cal Western went out of business and kept the money that I was owed, and they didn’t want me to find out about it, until they could figure out what to do.

Because I am terminally ill and unable to work, the $300,000 that was owed to me from the sale proceeds, was all the money that I had left in the world to hire movers and rent storage space to put my belongings into, but that money had essentially been stolen from me by Cal-Western Reconveyance and Wells Fargo knew it.

On the morning the sheriffs were scheduled to lock me out of my house, all of my belongings were still inside, because I had no money to hire movers and I was too weak to move them myself. When the police arrived, I was arrested and thrown in jail for 17-days before I could raise the bail money, because I had put a sign in my window warning people to keep out, while I desperately begged Wells Fargo to help me.That morning, on top of losing my home, I also lost everything that I have ever owned in my entire life, because of Wells Fargo’s dishonesty.

Seventeen days later, I was released from jail with no place to go. My home and belongings were now gone and I was forced to live in my car in the heat of the summer, and fight for my life against the illness that is killing me.

A friend started a Change.org petition on my behalf, asking Wells Fargo to give me the money I was owed before I died, and although the petition garnered over 56,000 signatures, Wells Fargo still wouldn’t give me the information on who I needed to contact… because Cal-Western was out of business and there was nobody for me to contact, and Wells Fargo knew it.

But there was still hope. California law requires the party who bought my house, to store any belongings left in the home for 90 days before disposing of them.

Good fortune finally did come my way… for a moment

It turns out that a friend of a friend, is a California State Assembly attorney and when she heard what had happened to me, she offered to help. Together with the Attorney for the California State Banking and Finance Committee, they pressured Wells Fargo into telling them who had my money and how to contact them.

For weeks, Wells Fargo continued to drag their feet and make excuses for why they couldn’t tell  me or the State Assembly attorneys, who had my money and how to contact them, but when the Attorney General’s Office got involved, Wells Fargo quickly realized that it was time to start cooperating.

On August 1, 2015, nearly 5-months after I first asked Wells Fargo to tell me who to contact to claim the money I was owed, they finally gave the information to the State Assembly attorneys. The law firm of Wright, Findlay and Zack was now acting as the Trustee for the bankrupt and long shuttered, Cal-Western Reconveyance.

I was contacted by a smug Kelly Tyler, at Wright, Findlay and Zack and quickly realized that they were also intending to drag their feet for as long as they possibly could, telling me that after nearly 5-months, they still needed a couple more weeks to review my file, before they would give me my money.

Kelly began lying to me immediately, claiming that they would have reached out to me sooner, but they did’t have any contact information for me and had to do a search. A less than believable lie, considering that 2-months earlier, I had updated my contact information with Wells Fargo, who knew exactly where and how to reach me. Wright, Finlay and Zak were also given my contact information by the State Assembly attorneys who tracked them down.

Once the money had been located and arrangements were made to get it to me, I contacted Wells Fargo attorney, Steven Sidman and begged him to expedite the process, so I could get the money in time to redeem my possessions, before they were disposed of. Not an unreasonable request, considering the circumstances and that there was still more than 2-weeks left on the 90-days. 
Letter to Wells Fargo’s attorney, Steven Sidman:


The check was finally sent by Fed-Ex overnight and I received it 3-days after the 90th day… With a 10-day hold placed on the funds, by none other than Wells Fargo Bank. My belongings were gone forever.
And here’s the icing on the cake. Everyone wants a piece of the pie, and foreclosure law firms are at the front of the line with their filthy hands out, charging ludicrous fees for things that they just make up names for. Cal-Western charged me all of the “standard” fees they could legally get away with, and I got charged most of those fees again when I got my money from the law firm acting as Trustee for Cal-Western Reconveyance.
I guess Wells Fargo and their shady partners just couldn’t resist
ripping me off one last time… for old time’s sake