Complaint is for the service r of Wells Fargo, which goes by the name of America 's Servicing Company. This service r is and has been in violation of various mortgage disclosure laws, such as those required in R.E.S.P.A and T.I.L.A. Laws since the originating mortgage XX/XX/XXXX. 
The particular mortgage is a subprime mortgage it was presented to an elderly person, a senior, non XXXX speaking who was asked to sign documents under duress and without proper representation nor translation. The senior in question was a vulnerable XXXX year old having just lost her husband. She was approached but an unscrupulous mortgage broker who used all of the equity in her primary residence to finance multiple properties. This is XXXX of XXXX. Moving forward to violations they included, inappropriate and unexplained fees of the section XXXX of the Federal Trade Commissions Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. The escrow fees in this particular mortgage were excessive and continued from the onset of the mortgage through today. Despite the many complaints mortgagor submitted, especially after the one year anniversary which was the date that the borrower was exercising her right to not have it any longer withheld. The original note was defective and the closing documents altered to hide or change specific numbers in the monies she was charged for such loan. Despite having a XXXX credit score borrower was charged an 8 % interest rate when the market rate for such loan was an average of 5.5 %. This is akin to loan sharking. Continuing on to more violations the insurance escrow on a yearly basis was being paid for and charged to the home owner by the service r at triple and some years quadruple the amount that the home owner herself paid consistently without ever being uninsured, again, her borrowers complaints fell on deaf ears. XX/XX/XXXX home owner experienced a hardship and asked XXXX Wells Fargo and the service r to review and modify the terms of the loan given the high rate of interest. She was denied her request without any explanation. This was a major down fall for borrower as in the months to come her failing health declined and the cause of income loss. The situation has never improved and neither the service r or the bank ever made any effort to reconcile numbers which are representative of the total balance due to date believed and proven by home owner and her accountant to be wrong. 
