Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank is attempting to violate California 's Dual Tracking provision under the California Bill Of Rights. Wells Fargo is lying to the CFPB when they claim they are conducting research into my allegations and more importantly evidence of document fraud. Please see Wells Fargo 's letter dated XXXX XXXX, XXXX which states that Wells Fargo will begin foreclosure proceedings all while my pending complete mortgage modification packet is still pending with Wells Fargo. 
Please see attached another Wells Fargo 's client who also was forced to seek Judicial intervention as a result of Wells Fargo continuous failures to comply with the law and seek all foreclosure alternatives. Wells Fargo appraised the value of my residence at almost {$2.00} XXXX dollars which is approx. {$1.00} XXXX more than Wells Fargo is claimed owed to them, so there is no emergency and any alleged beneficiary would be 100 % protected and never be entitled to lift any automatic stay or injunction. See also the numerous and credible reports that confirm widespread XXXX Bank fraud. Wells Fargo claims that they can not reach me, and this too a frabricated lie, as I have never once received written correspondence from Wells Fargo Bank concerning my complaints, nor have I received any response to my mortgage modification packet that Wells Fargo confirmed receipt of in XXXX XXXX! More than three and half months without any response and Wells Fargo is literally spending their days just setting up this account for foreclosure rather than simply complying with the XXXX and seek all foreclosure relief alternatives. 
I would like the Consumer Finance Protection Bureau to kindly conduct its own investigation and audit of this account since its inception to validate the debt that Wells Fargo bank currently claims I owe them. 
I would like the CFPB to forward my CFPB case files to California XXXX to investigate Wells Fargo Bank 's document fraud and perjury. 
I would like the following determinations : A determination that Wells Fargo Bank is liable for violating the FDCPA for attempting to collect a debt that is not owned by them. 
A determination that Wells Fargo Bank has fabricated documents in order fraudulently collect on a debt that it does not own and in violation of the Fair Debt Collection Practices Act ( FDCPA ) pursuant to XXXX XXXX XXXX to XXXX. A determination that Wells Fargo Bank has also violated the California Homeowners Bill of Rights ( XXXX ) by failing to address all foreclosure alternatives and effective XXXX XXXX, XXXX, XXXX ( a ) ( XXXX ) of the Civil Code requires Wells Fargo to comply with the following : " No entity shall record or cause a notice of default to be recorded or otherwise initiate the foreclosure process unless it is the holder of the beneficial interest under the mortgage or deed of trust, the original trustee or the substituted trustee under the deed of trust, or the designated agent of the holder of the beneficial interest. XXXX XXXX XXXX requires a servicer to provide borrowers with their note and certain other documents, if the borrowers request them. XXXX XXXX XXXX requires any notice of default, notice of sale, assignment of deed of trust, or substitution of trustee recorded on behalf of a servicer in connection with a foreclosure, or any declaration or affidavit filed in any court regarding a foreclosure, to be " accurate and complete and supported by competent and reliable evidence. ''

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