Product: Debt collection

NOTE : THIS COMPLAINT IS BEING FILED FOR BOTH WELLS FARGO ( WF ) AND THEIR THIRD-PARTY LAW FIRM XXXX XXXX XXXX XXXX XXXX ). XXXX IS NOT REGISTERED WITH THE CFPB AND AS A RESULT, I AM FILING THIS COMPLAINT AGAINST BOTH COMPANIES. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the law firm representing Wells Fargo ( WF ), is pursuing me for debt collection relating to an SBA loan consummated in XX/XX/2013 and XXXXWells Fargo is in the process of unfairly liquidating the commercial property where my business was located @ XXXX XXXX XXXX XXXX XXXX GA XXXX and they are harassing me by notifying me they plan to sue me for collection of the SBA debt that Wells Fargo directly caused me to be delinquent on WITHOUT GIVING ME THE OPPORTUNITY TO CURE THE DEFAULT BY WORKING WITH ME... 

XXXX is threatening to liquidate the property and sue me for debt collection relating to my SBA loan but I have filed multiple complaints with the CFPB regarding asking Wells Fargo, their client, for proof that all of my complaints/allegations have been directly responded to by Wells Fargo . Below are highlights from the legal letter I receive from XXXX the main issue is that XXXX law is also claiming that Wells Fargo respond to all of the claims and allegations but no one has provided responses to my complaints that I pointed out to Wells Fargo certain complaints were not addressed : LEGAL LETTER FROM XXXX  XXXX ) After XXXX + years of ignoring me when I wanted to cure the default, not XXXX wants me to let them in the manufacturing facility in XXXX GA, 2 ) XXXX  and WF want me to provide them with an appraisal ( apparently at my expense ), and 3 ) XXXX is threatening to sue me to collect on the SBA loan The purpose of legal letter is so that the building can be sold in a tax sale. SO NOW WELLS FARGO WANTS TO TALK!!!! I would like to know why no one wanted to talk to me for 2+ years when I reached out to WF and XXXX on multiple occasions to cure my default. This has to be illegal and unethical and I will also file a complaint with the XXXX XXXX XXXX. 

They want me to contact XXXX XXXX XXXX who apparently is the WF officer responsible for the loan. And these crooks are demanding immediate payment of the loan balance which has ballooned to almost {$1.00} million from the original {$1.00} million loan.

In the letter, WF states that " Wells Fargo has reviewed " certain '' ( interesting choice of a word which is code for not including my documents and complaints ) information you provided and found the Wells Fargo has previously provided you with detailed responses to such concerns, including letters and supporting documents, on multiple occasions ''.

So I sent an email to Wells Fargo and XXXX  Law to call me so we can talk about ignoring me for 2 + years to discuss the above malfeasances and illegal behavior by Wells Fargo AND THEN we can talk about access to the building. In addition, I would like a conference call so that I can invite some of the XXXX employees who are now out of work thanks to Wells Fargo. 

And when they call, I would like for WF to set up a conference call so my employees and whoever else chooses to be on the call so that everyone can address these societal inequalities. 

FOR ALMOST 3 YEARS, I HAVE BEEN ASKING FOR A DIRECT CROSS-REFERENCE TO ALL OF WELLS FARGO 'S RESPONSES WITH DOCUMENTATION TO EACH ONE OF MY CLAIMS AND ALLEGATIONS AND I STILL HAVE NOT RECEIVED ANY RESPONSE THAT ACCOMPLISHES THIS. AND I WOULD LIKE TO RECEIVE THE RESPONSES ( SEE RESOLUTIONS BELOW ) TO MY COMPLAINTS BEFORE ANY ACTION TAKEN TO LIQUIDATE MY BUSINESS. FOR WF AND XXXX TO NOT PROVIDE ANSWERS TO MY COMPLAINTS IS CONSIDERED ILLEGAL AND UNETHICAL CONDUCT ( ESPECIALLY FOR A LAW FIRM ), The next section discusses the resolutions that I think are fair in order for XXXX  and WF to respond before they even consider liquidating the business. Please see the resolutions below...