Consumer complaint received 2017-10-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
***** Where Are The Regulators Who Are Prepared to Issue Enforcement and Class Action Lawsuits? ***** *** New Complaint -- Do Not Combine With Former Case*** ***** Wells Fargo has committed fraudulent practices as the servicer of my mortgage loan to engage XXXX XXXX XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX XXXX to collectively structure an illegal process to foreclose on my home. 

In a recent complaint, Wells Fargo Bank provided an insufficient answer to specific questions that I have asked the federally licensed bank to clarify. 
New documents that I have attached will reveal the degree of fraud that Wells Fargo is willing to commit to deceive consumers, homeowners and regulators. 
In the attached letter that I sent to the Federal Trade Commission, it explains the actions that Wells Fargo and its accomplices have used to orchestrate an unlawful foreclosure against my home. 

By its own admission, Wells Fargo has recorded into local courthouse records ( see Assignment of Mortgage # 3 ) and via correspondence from its Executive Office ( attached ) that it did not have standing to create the 2nd Assignment of Mortgage that was used to file the Current Foreclosure Complaint and to obtain the Current Judgment. 
On the second page of the Foreclosure Complaint ( attached ) item # 3 reflects that the Assignment of Mortgage that was recorded on X/XX/2012 in the PA Assignment of Mortgage Book 2159, page 3718 was used to file the Foreclosure Complaint. This information was submitted into courthouse records as a authentic and a lawful document that reflects ownership standing at the time of its filing. 
Wells Fargo Bank wrote the attached letter to me to say that the 2nd Assignment of Mortgage was invalid because Wells Fargo Bank, N.A. was unaware that it did not have standing to create, sign and record the 2nd Assignment of Mortgage. 
Wells Fargo Bank claims to be unaware of a lot of things. However, the fact that it was unaware of the whereabouts of my home loan is why compensation for breach of contract is warranted for my family. As the servicer for my loan, Wells Fargo and XXXX XXXX XXXX XXXX XXXX failed in its managerial duties to preserve and to protect my home loan. These actions led to a clouded title, as the sale of my mortgage and my mortgage note to XXXX XXXX did not properly follow the trust -- hence the need to create fictitious Mortgage Assignments.Deutsche. 
While I have written the CFPB, the Department of Justice and the Federal Trade Commission to investigate this matter, Wells Fargo Bank figures that I  will accept its poorly devised explanation that a corrected Assignment of Mortgage enables it to regain standing. 
On the 3rd Assignment of Mortgage and the attached Letter from Wells Fargo 's Executive Office, Wells Fargo admits that it did not have Standing, therefore its latest Corrective Assignment of Mortgage -- Can not Correct an Invalid Document. 

***** What Does it Take for the CFPB to Involve Other Regulators? 
***** Do Not Combine This Case***** **** I want Justice ***** I want Answers **** I want Compensation for the long-term suffering, pain, emotional distress, loss of sleep, discrimination and unethical treatment that Wells Fargo Bank N.A has caused my family to endure

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