The Internet has become a common ground for sharing viewpoints, both pro and con. As more people are tuned in to the electronic age it has become increasingly more difficult for the bad practices of any business, no matter how remote or small their marketplace is, to continue without being noticed, as has been the case until now. People of all levels and of experience have increasingly begun to share their opinions concerning the various pluses and minuses of various businesses. Many businesses are not coming out well in these news group discussions. In this case it’s the Nevada Real Estate Division (NRED).
In Valerie Mapes' world, a good salesman aims to make a killing not earn a living.
According to public Reno Justice and District court records, in August 2004, Wells Fargo received several calls from Valerie Mapes. Ms. Mapes was then and is a Broker Owner of Prudential Nevada Realty. The calls were about her agent, Keith W. Gledhill http://reno.broowaha.com/article.php?id=3448.
Initially, Ms. Mapes spoke with Wells Fargo’s manager, James Elvick. Ms. Mapes told Mr. Elvick to muzzle his loan officers or else she would not allow anyone in her brokerage to work with anyone at Wells Fargo. Mr. Elvick had known of Mr. Gledhill’s illegal activities for several previous months as Mr. Gledhill had months earlier fired Wells Fargo loan officer, Ms. Michelle Vinson, for refusing to do Mortgage Fraud and have an affair with him. Mr. Gledhill had described Ms. Vinson as “a bimbo who wouldn’t do what I wanted.” Ms. Vinson says she “did not want to work with Keith as (she) fired him because he was a dirty rat looking to screw around on his wife as he had called (her) while she was at training in LA, where the Gledhills live, and had offered to pay for (her) to stay another night and show (her) the town and then had shown up at the Brew House while (Ms. Vinson) was there with friends.”
Mr. Gledhill did not work and bragged about it and repeatedly ridiculed those who did. “What I do is a more productive use of my time.” Mr. Gledhill repeatedly bragged about his expensive vehicles, his rich and lavish lifestyle and how stupid the peons were for working when there were so many other easier ways to live.
It had become obvious to Wells Fargo that Mr. Gledhill and his wife lived beyond their stated income for the debts, mortgage amounts and lifestyle they maintained. Mr. Gledhill had asked unusual questions regarding compliance with government reporting requirements, anti-money laundering policies, loan fraud, owner occupant home loan and home insurance policies, forged documents such as rental agreements, home owners’ insurance, and does the lender follow up on documents and go out and actually check property after close? He repeatedly exhibited a lack of concern regarding risks, commissions or other transactional costs to a home loan lender or insurance company.
When Mr. Gledhill approached a second Wells Fargo loan officer for Mortgage Fraud, Mr. Elvick properly started the process of involving Wells Fargo Fraud, 800/947-9869, for the required Suspicious Activity Report (SAR). Karen Benson with Wells Fargo Loan Fraud told Wells Fargo Reno to file a police report and give all information to the State agency regulating Gledhill’s real estate license. Then Wells Fargo discovered that Mr. Gledhill provided Wells Fargo with a forged original rental agreement to clear a loan condition. Karen Benson then filed a SAR (Suspicious Activity Report) with the FBI and added probable money laundering by Gledhill to her report. There was by now a growing belief the Gledhills had used to facilitate several federal criminal transactions, Bank of America, Wells Fargo, First Horizon and CTX Mortgage, as conduits for money laundering in noncompliance with the Bank Secrecy Act (BSA). Funds involved were derived from illegal activities, drugs and home loan fraud. It was intended to hide or disguise funds and assets derived from these illegal activities. The scheme and subsequent conspiracy is a very sophisticated form of white-collar crime. It may have started with Mrs. Gledhill as he is a highly trained and educated accountant.
It appears from the public trail that the Gledhills http://reno.broowaha.com/article.php?id=3300 were using home loans to move money into real estate, buying and selling targeted Reno houses to hide the Gledhill’s drug and loan fraud activities, including forging documents such as rental agreements. It was done to create an income stream, and subsequent tax losses mileage between LA and Reno, interest, depreciation, etc.) to run drug money through.
It was then discovered that Mr. Gledhill’s home address, where he lives at 4214 Dauntless Dr. Rancho Palos Verdes, California, 90275-6013, is a property owned by Toshio & Kiyomi Tanaka, according to the public record. The Tanaka’s are Mr. Gledhill’s landlords.
August 4, 2004, 6:21 p.m., Mr. Gledhill sent an e-mail to a female Wells Fargo loan officer, “Change unlocks complacency to discover unknown opportunity (I call this living life) Your new clients, because their houses are more expensive, may give you a severe cashflow problem. To fight off this cashflow problem, you may have to find something else to do besides work. You may gain a great amount of wealth with less units and find it to be satisfactory. I have found that improving my environment always improves my productivity. In other words, improving my environment always improves my productivity. Second, you must consider a value for the intangible element of living life. The importance of this is demonstrated by the tangible element...life is short! But, you will die a fool if you don’t live life while you are alive. Now, were you bullshitting me, or do you want to live in west Reno. If you do...lets get going. Your Moving on up!” That was forwarded to Mr. Elvick.
August 9, 2004, Mr. Gledhill sent a female Wells Fargo loan officer an e-mail writing about how his car’s “performance capabilities matches my own” and “I don’t want to know wives of drunks etc...they would be robbing the time I can spend with smart people..like you.”
August 9, 2004, Mr. Gledhill sent another e-mail to a female Wells Fargo loan officer writing, “I pursue people that have strengths greater than mine ...” That was forwarded to Mr. Elvick.
First thing Monday morning August 16, 2004, Mr. Gledhill left a female Wells Fargo loan officer a voice mail at her office telling her how he “couldn’t wait to get her in the neighborhood so they could spend more time together.” That was forwarded to Mr. Elvick.
Mr. Gledhill left a female Wells Fargo loan officer a voice mail telling her he had every right to do what he was doing, questioned her ethics for questioning his and told he would have her fired for not doing her job (as he thought she should do it). That message was also forwarded to Mr. Elvick. Realtor Leon Leeper heard this message.
Mr. Gledhill then calls a female Wells Fargo loan officer at her office and he yelled and swore at her. He yelled so loud that Debbie Dell in the office could hear it. Mrs. Dell later complimented the loan officer how professional and well she handled that call.
In September 2004, Secret Witness report, # 0903040906, about Keith W. Gledhill, was filed. According to the Reno Gazette Journal on September 18, 2004, Prudential Nevada Realty announced that Mr. Gledhill has joined them as a licensed real estate agent. The announcement had that Mr. Gledhill is an airline transport pilot and had worked as an account executive in marketing. Mr. Gledhill had not disclosed to Wells Fargo this information in his loan applications. He had consistently reported himself on his three Wells Fargo loan applications as a “house husband with no income for several years.”
On January 15, 2005, Wells Fargo Reno sent another fax to Wells Fargo Loan Fraud, fax # 612/312-7205, updating them as to Mr. Gledhill’s activities. At Wells Fargo Loan Fraud, Kim then told Wells Fargo Reno to file a complaint with the Nevada Division of Real Estate for the Gledhill’s unlawful activities. Charles Henry was the Investigator.
Ms. Mapes then calls Wells Fargo manager James Elvick. She left Mr. Elvick with a great concern that she would stop all business with Wells Fargo Home Mortgage. Ms. Mapes call was intentionally done to jeopardize Wells Fargo. Ms. Mapes http://reno.broowaha.com/article.php?id=3404 did it to protect herself and her agent, Mr. Gledhill, from his illegal activities http://reno.broowaha.com/article.php?id=3397.
Ms. Mapes then called Beverly Stewart, Wells Fargo Reno Branch Manager, and then Rick Vaughan, Wells Fargo Reno Area Manager. Mr. Elvick then had a meeting with Rick Vaughan, Area Manager. Instead of Mr. Vaughan commending and thanking Mr. Elvick and his team for not participating in Mortgage Fraud, Mr. Vaughan told Mr. Elvick and his team “We are to protect our Realtors. I am not going to have Wells Fargo blacklisted by the Realtors over this. Do you digest this because your job is on the line?”
A few days later Mr. Vaughan had another meeting with Mr. Elvick and his team. Beverly Stewart, was there. Mrs. Stewart strongly suggested “a way be found to withdraw complaints against Keith Gledhill and Prudential Nevada.”
At Wells Fargo Loan Fraud, Alan Stack then told Wells Fargo Reno to file a complaint with the California Department of Real Estate and update the Reno FBI for the Gledhill’s unlawful activities http://reno.broowaha.com/article.php?id=3351.
In January 2005, witness Nona Hester in another Nevada Real Estate Division complaint against Mr. Gledhill, received a letter from Mr. Gledhill where he had written “. . . I will sue you.” Appears Mr. Gledhill is threatening to sue everyone who exercises their lawful rights to file complaints with the State agency that regulates his real estate license.
Ms. Mapes, in her capacity as the Broker Owner of Prudential Nevada Realty, was in a significant position to Wells Fargo. In those telephone calls to Wells Fargo, Ms. Mapes abused her position of economic importance to Wells Fargo Home Mortgage. She used blackmail and economic terrorism in the form of a serious damaging economic threat to Wells Fargo Home Mortgage. She used extortion and harassment-abuse intended to harm economically Wells Fargo. It was done to terrorize Wells Fargo into silence with her very serious and significant threat of not allowing anyone in her brokerage to work with anyone at Wells Fargo. Ms. Mapes did it to deter Wells Fargo from doing its legally required job in whistle blowing to bring Mr. Gledhill’s fraudulent loan activities to light. The result would be an economic advantage aka blackmail over Wells Fargo to the point Wells Fargo would abandon their legitimate complaint against Mr. Gledhill and his brokerage.
There was no business purpose to Ms. Mapes’ telephone call to Wells Fargo. It was a personal and horrifying club that Ms. Mapes explicitly used to beat unfairly Wells Fargo into silence. It was done to silence James Elvick, his team, Beverly Stewart, Branch Manager, and the Wells Fargo Area Manager, Rick Vaughan. Mr. Vaughan and Ms. Stewart immediately capitulated to Ms. Mapes threats. They instructed Mr. Elvick and his team to find a way to withdraw the complaint Wells Fargo Corporate had instructed as they were “not going to have Wells Fargo black listed by the Realtors over her complaint, however legitimate it may be.” On February 10, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579 referred Wells Fargo Reno to the nearest FBI office to make direct contact and give them everything regarding Gledhill.
On February 14, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579, told Wells Fargo Reno that Wells Fargo “local management had dropped the ball.” He was referring the Gledhill file to Wells Fargo Corporate Security. They should have been notified by local management months ago when first brought Gledhill’s actions and behavior to their attention as now Gledhill has sexually harassed two Wells Fargo female employees, threatened them after refusing his bribes, and was continuing the loan fraud. That Wells Fargo Reno through Mr. Elvick and his team had done everything as trained to do per Wells Fargo Policies & Procedures but somehow Rick and Beverly dropped the ball. Mr. Stock authorized release of more information to Nevada Real Estate Division.
On February 21, 2005, Alan Stock, Wells Fargo Loan Fraud, 612/312-4579, said he was researching Wells Fargo getting a Restraining Order against Gledhill and had Mr. Elvick’s team fax to him at 612/312-4579, everything on Gledhill.
To me, gloating promoters of the Information Age all too often forget that knowledge has always been about connecting people and their behaviors, not just in collecting information. There has been and continues to be a democratic demand for more relevancy and currency in people’s and organization’s behaviors, and to holding people and organizations accountable for their conduct.
I believe that the Internet, the servant to a Knowledge Economy, is the true democratic voice of facts and free speech beliefs. Using the Internet to do a search is simply a reversion to the search of any life for credentials and integrity of another’s life.
Most have access to a computer. Public schools and libraries have free public computer access and training. Most can now instantly post previously hidden facts and their free speech opinions, and access others’ post of previously hidden, even deliberately suppressed, facts and free speech opinions. Happenings and ideology that previously would never have been disseminated are now readily found with a simple Google search. A Google search is just a search for credentials and integrity.
The result is that individuals and organizations are suddenly finding their previously hidden illegal, corrupt, lazy, or immoral behaviors, and their secrets, avarice, cravings, or even mistakes, suddenly and rightfully very publicly front and center on the Internet. Integrity, or its’ lack, is immediately exposed in a simple Google search.
Harmful behaviors that once were self-servingly known then to be ephemeral, and smugly relied on by the licentious perpetuators to be such, are now instantly available for analysis and judgment in the permanence the of the Internet. In response, evil raises its specious clamor when it finds itself suddenly and rightfully in the expose spotlight of the Internet. Once exposed, evil then aggressively applies its Unclean Hands to spurious ridicule and makes heavy-handed, manipulative intentionally damaging legal threats of, or illegally pursues, defamation to brutally and wrongly silence the dissemination of facts and muzzle free speech beliefs. The Internet though, has rightfully, quietly and powerfully abdicated the corrupt in its’ contemptuous and former commanding amoral influence in silencing facts and free speech beliefs.
On February 23, 2005, Chuck Gipp, Wells Fargo Corporate Security, referred Mr. Elvick’s female loan officer team to Wells Fargo Employee Assistance, 888/327-0027.
Over Mr. Elvick’s protests, Mr. Vaughan and Ms. Stewart then fired a female Wells Fargo loan officer on Mr. Elvick’s team. Beverly Stewart is now a manager at Country Home Loans.
March 3, 2005, Stacy Barth, Wells Fargo Human Resources, 515/213-5159, called to tell fired loan officer was “termed, so couldn’t talk.”
Ms. Mapes is a bully pandering with Unclean Hands. Why is it that the ones threatened are the ones in hell while the bullies are not in prison?
Sources are the Washoe County public records, Prudential Nevada Realty house flyers, United States Code, NRS 645, NAC 645, Realtor’s Code of Ethics, e-mails, Hester letter, Reno Justice Court, and Reno District Court public records.
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