Thursday, March 22, 2012


  No Justice Zone

Homeowners No Justice Zone

Donna Zao, Community Activist on Hunger Strike
Day 1
Donna Speaks

Hunger Strike Starts on Wednesday, March 21st, 2012
Our American Dream is under attack.  We can’t break the laws to assert our justified rights! But I can go on HUNGER STRIKE to make a long-overdue point: 
Wells Fargo top executive told me to my face that “Wells Fargo will NOT correct the wrong against my family” because I asserted my rights and fought back!  

President Obama stated in his campaign trail:  "This is not just another political debate. This is the defining issue of our time," "What are we going to do to make sure that middle class families are secure and that we continue to build ladders for people who are trying to get to the middle class."

Attorney General Kamala Harris stated “Everyone shall play by the same set of rules…I tell you what is “Too Big To Fail”… I say: our middle class that is “Too Big To fail”….”

As California People’s Attorney, will Attorney General Kamala Harris watch my American Dream being stolen by fraudsters and my physical well-being wither away in front of her eye? Will she do as she promises to do, protect our rights and jail Wells Fargo top executives for intentionally stealing our American Dream???

 Day 2,392
(6 years 7 months) 
Battle against Wells Fargo Mortgage Lending Fraud
Started in August, 2005
Truth, Material Facts and Laws
Shall Matter!!!

 No one or organizations shall SELL OUT our American Dream without any consequences!!!

Please Sign the Petition to Support Our Common Cause - Justice

Ask Attorney General Kamala Harris "Is Wells Fargo “Too Big To Jail”?!

-                     January 3, 2011      Filed complaints against Wells Fargo’s appraisal and mortgage lending fraud with Attorney General Kamala Harris on the first day she took office.
Result:        No Response!

-                     May 23, 2011        Re-filed the same complaints against Wells Fargo with Attorney General Kamala Harris, the day she announced the creation of a Mortgage Fraud Strike Force.   
Result:        No Response!

 -                     September, 2011    Hand-delivered the same complaints against Wells Fargo to Attorney General’s Chief Counsel Mr. Michael Troncoso. 
Result:        Received a phone call from Mr. Troncoso’s assistant Mr. Daniel Osborn, who promised us a speedy investigation due to the previous delay.  

-           November 14, 2011,          Hand-delivered the Petition Letter with Courage Campaign and re-told our story on how Wells Fargo systematically and intentionally defrauded my family.
Result:        November 22, 2011     Attorney General Kamala Harris’ staff informed us that her Mortgage Fraud Strike Force has completed the investigation on our complaints and our file was on AG Harris’ desk, waiting for her instruction to proceed with prosecution.  

-                     November 30, 2011           Emailed Attorney General Kamala Harris’ chief counsel Mr. Michael Troncoso and Mr. Benjamin Diehl, requesting an update.
Result:        No Response!

-                     January 11, 2012                Emailed Attorney General Kamala Harris chief counsel Mr. Michael Troncoso and Mr. Benjamin Diehl, requesting an update.
Result:        No Response!

-           March 10, 2012                 Emailed Attorney General Kamala Harris chief counsel Mr. Michael Troncoso and Mr. Benjamin Diehl, requesting an update.
Result:        No Response!

-           March 16, 2012,    Emailed Attorney General Kamala Harris chief counsel Mr. Michael Troncoso and Mr. Benjamin Diehl on our Open Letter to Wells Fargo’s CEO John Stumpf.
Result:        No Response!

Here are our complaints filed with Attorney General Kamala Harris’ office.

May 24, 2011

RE:  Complaints – Wells Fargo loan origination fraud, wrongful foreclosure, tax evasion and mortgage backed securities fraud.

Dear Attorney General,

We have learned that you have launched Mortgage Fraud Strike Force this week to monitor and prosecute violations at every step of the mortgage process.

We are responsible homeowners and carry no debts other than mortgage loan.  We have been living in Alameda County since 1997.   My husband is a veteran who proudly served this great nation.  Now we are self-employed working middle class working hard to preserve our financial wealth. 
However, in the past 6 years, Wells Fargo has repeatedly defrauded us and has proven to us that it has built a business model based on fraud.

This is how Wells Fargo systematically defrauded us and taxpayers in the past 6 years.

 1.         Wells Fargo’s Loan Origination Fraud:
 In August, 2005, Wells Fargo bank made a mortgage loan to us based on fraudulent and hugely inflated appraisal.

  • Wells Fargo’s fraudulent appraisal valued our home for $718,000
  • Wells Fargo’s retroactive review appraisal valued our home for $475,000.
  • In 2008, Attorney General’s Office suspended appraiser T.J. Magee’s license for committing appraisal fraud on our property.

2.      Wells Fargo’s Wrongful Foreclosure:

  • We put $151,000 down-payment. Between 2005 and 2009 we paid Wells Fargo around $350,000.
  • On June 15, 2010, Wells Fargo still foreclosed our home, knowing that it is a Category C felony to make a mortgage loan and foreclose our home based on a fraudulent appraisal.
  • Wells Fargo received a total of $25 billion bailout, but refused to carry out its promise to us and rescind its fraudulent loan.
3.     Wells Fargo’s Mortgage Backed Securities Fraud:

In 2011, Wells Fargo confirmed in writing that it had sold its fraudulent mortgage loan originated based on a hugely inflated appraisal to a pool of investors managed by U.S. Bank.
4.     Wells Fargo’s Tax Evasion:
  • January, 2011, Wells Fargo falsified IRS 1099-A form by listing Freddie Mac as our mortgage lender, and attempted to write off its fraudulent mortgage loan for Freddie Mac.
  • February, 2011, Freddie Mac confirmed in writing that our mortgage loan was not Freddie Mac’s mortgage loan.
  • We forwarded Freddie Mac written confirmation to Wells Fargo and demanded it to notify IRS that we don’t owe income tax on the deficiency on Wells Fargo’s fraudulent mortgage loan. Wells Fargo stated that it found no error on its 1099-A form by listing Freddie Mac as our mortgage lender. Wells Fargo further stated that it had sold our loan to a pool of investors managed by U.S. Bank.
  • A couple of weeks after we confronted Wells Fargo and Freddie Mac, Wells Fargo's CFO and Freddie Mac's COO both resigned just one day apart from each other. We highly suspect the resignations were triggered by Wells Fargo irregularity of fillings.
  • March, 2011, Wells Fargo updated its 1099-A form by changing the mortgage lender from Freddie Mac to Wells Fargo, knowing that it no longer owns the mortgage loan.
 This is tax fraud against us, the IRS and taxpayers!

We demanded that Wells Fargo disclose the list of investors, but Wells Fargo refused to disclose the list of investors who currently own our mortgage loan. All the investors who own our mortgage loan have the right to know the fact that Wells Fargo sold them a fraudulent mortgage loan.  

It's been a 6-year battle and almost 4 of them in Courts fighting against Wells Fargo's loan origination fraud, wrongful foreclosure and fraud on the court. Please hold Wells Fargo accountable for abusing us as consumers, homeowners and taxpayers. Let justice prevail. Sincerely,          

Donna & Nuno Vieira


Dear Mr. Stumpf,  

As I’m sure you are aware Donna Vieira, her husband Nuno and their son Leo have been outspoken advocates of both their cause and the cause of thousands of other families struggling to get Banks to do the right thing amidst this unprecedented mortgage crisis. 
Donna and Nuno Vieira have collectively banked with World Savings, Wachovia and Wells Fargo for 20 years.  They are first generation immigrants.  Nuno was a proud veteran who served this great country and now, they are self-reliant and responsible small business owners.  They carry no debts other than the mortgage loan with Wells Fargo. 
Donna and Nuno had their home appraised by an individual chosen by Wells Fargo’s own appraisal company.  This individual gave the family a false appraisal, an action that ultimately led to the Attorney General suspending his license.  This action was just one in a chain of events that led their home to be over $243,000 underwater as soon as they signed Wells Fargo’s loan contract before the ink dried.  Wells Fargo promised to buy back its fraudulent mortgage loan and help the family to recover all of their losses.  However, Wells Fargo reneged on the promise.   In 2010, after they made $151,000 down payment and over $200,000 mortgage related payments, despite their repeated plea, Wells Fargo still chose to wrongfully foreclose their home. The family attempted to dispute the process, however Wells Fargo gave them no options and forced the family to take the Bank to court.  Needless to say, this has not changed the outcome of events.  There is one set of rules for the rich and powerful and another set of rules for everyone else. 
Donna and Nuno Vieira are active members of Alliance of Californians for Community Empowerment (ACCE).  They have loudly advocated for Wells Fargo to carry out its promises to them and fellow borrowers across the Bay Area, the State of California and the nation.  It has been a challenge, to say the least, to get the Bank to do the right thing.  Donna Vieira met you in person at the 2011 shareholder’s meeting in San Francisco and pleaded to you not to steal their home.  Instead of hearing what she has to say, you had the policemen arrested her for asking. 
In addition to working as members of ACCE, the Vieira’s are actively partnering with the 99% Occupy movement.  We are requesting the Bank meet with the Vieira’s regarding their home.  We hope to meet in person and come to an agreement, until then the family fully intends to continue calling public attention to their case and the case of thousands of other families.
We Are the 99%

1 comment:

  1. Today marks Day #3 that Donna Zao Vieirra is in the No Justice Zone at 455 Golden Gate Avenue, SF, CA on a hunger strike. May God and the angels watch over her.