Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On the following dates, XX/XX/XXXX request was sent and again on XX/XX/XXXX. On XX/XX/XXXX, a petition was sent requesting the original wet ink signature inspection, not copies. Another package was sent XX/XX/XXXX ( XXXX ). 
An international bill of exchange to pay off the loan was sent on XX/XX/XXXX. An email was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, a package with numerous bonds and remittance transfer was mailed and they refuse to credit the account along with providing validation of debt ( tracker XXXX ). On XX/XX/XXXX, a civil summon was sent via email along with notification about the upcoming certified mailed package with the court document and they have been dodging not picking up or receiving XXXX packages. On XX/XX/XXXX another package was sent ( tracker XXXX ) along with tort documentation. still no credit to the accounts while keeping the original security document. along with validation of debt ( tracker XXXX ) and the documents listed below. XX/XX/XXXX another package was sent again ( tracker XXXX ). On XX/XX/XXXX, another package was sent XXXX ) and they were notified of the upcoming court document along with certified mail number. So they dodge the document and did not accept or pick it up.. XX/XX/XXXX another package was sent with the international bill of exchange since they did not accepted the court order they did not accept that package either. On XX/XX/XXXX, another packages with numerous bonds and remittance transfer coupons were sent again. The package was address to XXXX XXXX XXXX based on the XXXX investor report he could be reach at the headquarter when I called on XX/XX/XXXX since the package was delivered on XX/XX/XXXX to find out when they credit the account and follow the instruction provides. I was told he could not be reached and there was no way to get a hold of him. WELLS FARGO made millions using my securities, my signature, and in turn I requested for them to accept my performance as a surety on the account and credit the account. I have rescinded their interest and accepted all title, all right, and guaranteed equity in my securities. Each occasion WELLS FARGO refused to credit the account. 
WELLS FARGO is not able to provide as previously requested : A currency trace proving funds for the alleged debt that were actually provided by the WELLS FARGO or its assignor since there will be a currency trace if they are a true creditor. The XXXX balance sheet as it relates to the original line of credit, which would show the ledgering of the account. 
The off balance sheet entry of the line of credit. The form is Mandatory filing pursuant to Title 12 U.S.C. 248 & 347. The 1099 OID and 1099-A reports that will identify who the principal is from, which capital and interest was taken, and who the recipient or payer of the funds are, and who is holding the account in escrow, unadjusted on this account. The S3-A registration statement : shows when and where the account was sold. The 424 B-5 prospectus ( security filing ). The RC C, C Q & RC S call schedules covering the period of the origination. The FASB ( Financial Accounting Standards Board ) part of GAAP ( Generally Accepted Accounting Standards ) FAS 125, 133, 140, 5, 95. These will direct the auditor to the liability side of the banks books and also create the trail of exactly where the money came from and where it went. A certified copy of the bond that the lender purchased to insure this account and copies of any payments made to date. This agreement stands for any and all trustee ( s ), Successor Trustee ( s ), Substituted Trustee ( s ), Agent ( s ), Servicers ( s ), Assigns ( s ), Transfer ( s ), known and unknown. This agreement and or obligation is non-transferable. Any transfers without the expressed written consent of the Plaintiff should be deemed as trespassing. If WELLS FARGO claims that there was a contractual obligation between Plaintiff and WELLS FARGO through an alleged contract then WELLS FARGO has ( pursuant to contract law and common sense ) the contractual obligation to produce and disclose and comply with such requests by the WELLS FARGO, which WELLS FARGO now requests. WELLS FARGO must provide an authentic signed contract by both parties. Provide licensing and permitting information. WELLS FARGO refuses to validate and produce the requested documents further they have no contractual obligation to produce and/ or disclose and / or comply then such failure to validate would established that there is no contractual obligation between us. If there is no contractual obligation between us, WELLS FARGO has no legal right to make negative report to my credit report and their failure to comply XXXX prove fault and security fraud. The alleged debt has been denied and disputed and must be validated and verified by the WELLS FARGO. 
WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security and continues to commit security fraud and money laundering.

WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security and continues to commit security fraud and money laundering.

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