In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted. 
