Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Wells Fargo Bank ( Wells ) who refuses to provide me with a bill of sell, wire transfer receipt or cancel check for the allege XXXX XXXX purchase of my Dept of VA loan which XXXX XXXX is prohibited by US Congress from buying or selling a mortgage loan! Wells creates a situation were it kept me from filing bankruptcy as it refused to tell me who it was they were collecting the mortgage loan debt there were mortgage servicing but never forwarded a monthly payment to XXXX who is not a lender and can not accept payments as a lender because they are not a lender. Wells sent my loan file to an outside legal firm in XXXX XXXX XXXX who could claim they did not have the full loan file, and after my lender in XXXX XXXX XXXX  ( XXXX ) had stopped existing on XX/XX/XXXX, was not owned monies because they stopped existing! Wells who no longer were working for XXXX as a servicer but working as custodian of records for XXXX who as with every XXXX pooled loan has the UCC3 blank endorsed Note relinquished to them does own the blank Note but does not have the legal ability to call the loan due as they have not purchased the debt. XXXX & XXXX, Wells and XXXX joined forces to create the Notice of Default and Assignment of Deed of Trust which made it look as if Wells as the owner of my loan, which made me think that Wells had purchased my loan from XXXX as kept me in place trying to negotiate the loss mitigation options required under the VA loan program which includes the protection under TARP that the bankruptcy court would enforce but also where proof of a debt needed to be provide by Wells or XXXX which was impossible as neither had purchased my VA loan. Wells up until a few days before the XX/XX/XXXX, foreclosure ( the same day that the Ryder v Wells claimed was the first illegal foreclosure ) had claimed to be the owner of my debt, but after I kept asking for the VA HAMP modification I had requested, which required first the underwriting of the HAMP. I did not know at the time that Wells had stopped processing all Dept of VA loans for the HAMP in violation of the TARP as our information was not uploaded into the underwriting system which cause a denial of the program because it was not processed. Wells refused to process the VA HAMP program from its effective date until XX/XX/XXXX, which under XX/XX/XXXX, VA Circular XXXX required both the HAMP & VA HAMP " must '' be underwritten before a foreclosure could be considered by the bank/servicer. Wells who at the last minute pop up as said that some random investor owned my loan and was making the decision as to whether a HAMPs modification would be process. Wells admitting to having documents from me as a result of my HAMP application that they received on XX/XX/XXXX, and was not process even as the change of documentation being considered valid on XX/XX/XXXX, to 90 days, but the loan was not process for the HAMP within 30 days anyway. So to keep me hanging not knowing the correct ownership, as there was not an actual owner of the debt. Wells who knew they were not the owner of the debt and could not prove to the bankruptcy court that they owned the debt and that a modification would be always there to challenge the debt as it would modify something that did not exist to be modified. Wells who kept over XXXX victims from obtaining a HAMP or FHA HAMP were legal fees were calculated and wrongly denying the modification, just as Wells sent my loan to XXXX XXXX XXXXXXXX, yet Wells did not own the debt nor did XXXX XXXX who after 1 year on XX/XX/XXXX, Wells provided the name XXXX as this investor owner of my mortgage loan, when it is a fact that XXXX can not own a mortgage loan! Wells needed to stop me from filing bankruptcy because just as now in XXXX, they can not provide proof of purchasing my debt from XXXX! What a bankruptcy court does is enforce the rights of the debtor and debtee, which as XXXX already admitted to not owning the debt, had not rights in a bankruptcy court again me. Two things Wells did not want and that was me taking my case to a bankruptcy court and having a modification to a non-existing debt! Wells by selling my property to the Dept of VA has created a crime that does not have a statute of limitations as illegal funds from the VA were used to conduct the crime and needs to be returned. The VA should have investigated this matter after Wells was forced to pay me when found to not have granted me one of the HAMPs modification under the Independent Foreclosure Review Board! Wells self-admitted to the lesser victims total as the VA does not work for the military veteran families, but that going to change just as with the PACT Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation