Consumer complaint received 2018-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My husband and I filed a complaint with the SEC on XX/XX/XXXX. Today, we received an email from them and they recommended that due to the subject matter of our findings, that we also file a complaint on this matter with you as well. The submission number we received from their referral is XXXX. The below is the complaint we filed with the SEC. 

Hello, I am unsure of what category to put this complaint under. Currently, my husband and I have already sent in a formal complaint to the XXXX XXXX District Attorney Office for this and also made a complaint with the FBI XX/XX/XXXX. 
The DA is still actively reviewing. We received confirmation from them via email. They have roughly 3.5lbs of our paperwork to show this complaint. The FBI complaint was verbally done and they did not request any paper work and I have tried multiple times for an update with no response. 

Due to our own research and the plethora of wrong Wells Fargo has done, including being in active litigation with them for the last 2 years, we found information on a website that pointed us to the SEC website to report our findings as it does involve the securitization of mortgages. Our mortgage transfer was a fraudulent transfer. We felt necessary to report to all and any party necessary involved. Our original loan was done through XXXX XXXX and Loan and done XX/XX/XXXX for $ XXXX. That was the LAST LEGAL recording on our property. 

During our discovery phase with suit against Wells Fargo, we became aware of our property deed transfer due to the documents Wells Fargo provided. We did not know the scope of it until we began to dig deeper as our current suit did NOT involve title issues. Wells Fargo took it upon themselves to fraudulently fill out CA affidavit forms and also the corporate deed mortgage transfer. I had the SEC filing of our trust, XXXX XXXX XXXX XXXX XXXX XXXX as Indenture trustee for XXXX Securitization Trust 2005-3, emailed to us recently from the SEC. 

It clearly shows the " CLOSING '' date on this trust listed on page XXXX as " on or about XX/XX/XXXX. You can clearly see this is NOT the case with our title. Wells Fargo took it upon themselves to do a corporate assignment of deed of trust that was recorded in XXXX XXXX, CA on XX/XX/XXXX. That is 7 years AFTER the closing date of the PSA. How is that possible? Let alone it clearly states that MERS as " NOMINEE '' for XXXX XXXX XXXX  XXXX assigns and records. Again, how is that " legal '' let alone right when XXXX XXXX XXXX XXXX went Bankrupt in XXXX? The transfer shows a written date of XX/XX/XXXX with a stamped name of XXXX XXXX from Iowa as " Assistant Secretary '' and then with a notary stamp from XXXX XXXX in " IOWA ''. WE are in California and so is our property. I called the secretary of state in Iowa to research both these names. They confirmed they are not allowed to notarize outside of the state and also confirmed this party worked for Wells Fargo. Upon my research, I also found someone elses deed online and it was " NOTARIZED '' by a XXXX XXXX, same name on our corporate deed transfer. How is it possible that XXXX XXXX was an " ASSISTANT SECRETARY '' on our deed transfer in Iowa and yet a " NOTARY '' at same time on the other party 's deed transfer that I came across online doing my research? Something is seriously wrong with Wells Fargo for them to continuously commit fraudulent acts and continuously hurt the general public. 

We have continuously fought for what is right and will continue to do so. 
This is why we are contacting you. Please note I have uploaded 2 different title transfers to show. One is our own the other is someone who we DO NOT know. It is a deed transfer I found online while researching our items and it is ONLY to show that the same name of XXXX XXXX is on both. 
She is listed on our transfer as an " Assistant Secretary '' and she is listed as a " Notary '' on the other deed transfer. 
Both XXXX XXXX and XXXX XXXX, who are both listed on our corporate deed transfer, worked for Wells Fargo. I find it all too convenient and you can tell that these names are just being hand written in. It's wrong. Please note that the 4 documents uploaded : there are 2 pages called ourproperty- these are the exact documents that show this transfer. The other 2 pages labeled XXXX are the documents I found while researching online. They have no other direct relation to us.

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