Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wells Fargo Bank was only involved in this situation because on XX/XX/XXXX, they purchased the servicing rights to XXXX XXXX XXXX XXXX XXXX XXXX Fed Gov backed loans. The rights that Wells is saying that XXXX has is because they are list in the recording of the Deed of Trust ( DOT ) as this electronic register that process start only after a valid DOT is delivered and recorded at the XXXX XXXX Register of Deed, which was never correctly done as the originator of my Mortgage loan was Great Western Bank ( XXXX ) who sold my loan to XXXX on XX/XX/XXXX, at which point no DOT was delivered or recorded at the local register office to start the XXXX  procedure. XXXX did deliver and record the DOT on XX/XX/XXXX, when in fact the had been paid in full by XXXX and did not have the ability to record a DOT as they were not owed a debt. Now XXXX did not join in the criminal act and deliver and record an Assignment of DOT because the DOT was recorded falsely. Wells hired an outside legal firm in XXXX XXXX XXXX that created the fraudulent document recorded at XXXX XXXX XXXX XXXX Deed with XXXX XXXX attorney with the firm and moonlighting as the Assistance Secretary for XXXX, granting XXXX Assignment of DOT when in fact the last owner of the Mortgage loan debt was XXXX that stopped existing on XX/XX/XXXX, which cancel the " failed bank '' from XXXX as it no longer a bank and has stopped existing at all. XXXX can only transfer inside its system with current members that are owners of the loans. Wells, XXXX or XXXX XXXX all have no financial interest in the Mortgage loan that I had with XXXX. XXXX XXXX is not an investor and is only the insurer of the XXXX XXXX for the investors of the XXXX. XXXX can not purchase or sell a mortgage loan per the US Congress and what was purchased after the XX/XX/XXXX, foreclosure was the LOAN ( not Mortgage loan that XXXX created when they receive a loan against the securities as Wells does on the XXXX XXXX they own. With a foreclosure there is a sale to the bidder who in this case was the Dept of VA who purchased the property to cure the debt it was alleged that I had and they also paid a insurance claim through the VA Guaranty Fund and no more debt is due because of the non-recourse provision of the VA Mortgage loan. So on XX/XX/XXXX, the only thing left is the XXXX that XXXX incurred with the investors of their XXXX XXXX XXXX. Wells can not say that on XX/XX/XXXX, that they purchased the Mortgage loan and now have control of the property which was sold on XX/XX/XXXX, to the Dept of VA and Wells who never purchased the Mortgage loan debt as they lied on the Assignment of DOT and had recorded saying they paid value for and is now saying they paid value again on XX/XX/XXXX. Wells who never extended a mortgage loan to me nor did XXXX or XXXX was owed a single red cent from me. The fact is that XXXX purchased the loan from XXXX XXXX Bank and never called the loan due while it was alive and can not after they are dead. The XXXX 's letter to me dated XX/XX/XXXX, tells that XXXX is not an investor and did not buy my Mortgage loan. What Wells may have done is repurchased XXXX 's loan on XX/XX/XXXX, but this has nothing to do with real estate at this point because there is no property, because the Dept of VA purchase the PROPERTY on XX/XX/XXXX and Wells can not get control of something the Dept of VA owns! Also Wells lies about not talking to me on XX/XX/XXXX at XXXX EST as I talked to the female representative!

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