urning the Tables: Philadelphia Man Forecloses on Wells Fargo Office - d: "He wrote a few simple (yet formal) letters to Wells Fargo to ask about the insane insurance rates he was being forced to pay. When they didn't take his questions, he took them to court, winning a $1,173 settlement against their failure to respond, under the Real Estate Settlement Procedures Act, which mandates mortgage companies to respond to letters within 20 days.
(More on TIME.com: Trace the trail of a lost mortgage)
When Wells Fargo didn't pay – and this might sound familiar – Rodgers started foreclosure proceedings against their local office. Using a sheriff's levy, he was entitled to seize their property to collect his judgment.
In the end, Wells Fargo didn't default on their payment – they paid Rodgers in full – but he claims he still hasn't received an answer"