Consumer complaint received 2016-01-01
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 knowingly and intentionally concealing evidence of fraud and lack of an accounting for this loan. Please review the attached evidence of fraud with Declarations from XXXX XXXX XXXX, and CPA XXXX XXXX to prove that Wells Fargo Bank lacks any Accounting for this loan, and they have produced XXXX DIFFERENT VERSIONS OF THE VERY SAME DEED OF TRUST. 
Insofar as Wells Fargo Bank , NA is a loan servicer, it can not enforce the note in its own right in that according to the information in the attached documents and the information available through expert opinions, this loan is owned by an undisclosed investor with which Wells Fargo has concealed and not established its relationship too. 
Wells Fargo as the alleged servicer must, in addition to establishing the rights of the true holder, identify itself as an authorized agent for the INVESTOR. 
If my original transaction was not posted as a balance sheet item on the books of Wells Fargo Bank then that means that it was n't a loan by Wells Fargo Bank. If my loan shows up as being posted as an income statement item then that shows that the Wells Fargo was a fee based servicer acting as " pretender lender ''. Hence the note and mortgage were procured under false pretenses and contrary to the federal and state requirements of disclosure as to who was getting paid what money to lure the borrower into a signing a document that was not a valid note but was going to be used in multiple fraudulent transactions. ( See attached letter and affidavit from CPA XXXX XXXX whereby he is explaining that Wells Fargo Bank is failing to comply with Generally Accepted Accounting principles GAAP for my loan ) If Wells Fargo Bank is compelled by the Consumer Finance Protection XXXX to comply with either of the obligations described above it will subject them ( Wells Fargo ) to a finding of perjury! 
Wells Fargo Bank is a criminal enterprise that is attempting to exercise rights over my primary residence by way of fraudulently altered documents, robo-signed responses, no loan level accounting and this loan file needs to be investigated at the highest level within your organization to see that a crime has actually occurred! 
Wells Fargo Bank has fraudulently altered the Deed of Trust and all XXXX versions of the same deed of trust have been recorded with the XXXX XXXX Registrar Recorders Office on XX/XX/XXXX as instrument no. XXXX. 
The XXXX different versions are from the same XX/XX/XXXX Deed of Trust that was originally recorded under instrument no. XXXX. Attached is credible evidence from a forensic document examiner with over 20 years of experience that multiple fraudulent alterations have occurred on the " Handwritten Number page XXXX '' which is located on page XXXX of the Deed of Trust. All of the Deeds of Trust now reflect an entirely different handwritten NUMBER XXXX, and XXXX of the exhibits also has a snake like line drawn on it, which is not present on the other XXXX exhibits. C.P.A. XXXX XXXX XXXX stated : " It is my professional opinion that the altered deed of trust is concealing an irrevocable assignment, and explains why Wells Fargo is unable to produce loan level accounting concerning XXXX 's loan. Wells Fargo claims that any level of detail relating to XXXX 's mortgage is non- existent. As a result, CPA XXXX XXXX provided XXXX expert opinions, ( XXXX an affidavit signed under penalty of perjury, and the other is a complaint letter sent to various regulatory agencies from C.P.A XXXX XXXX explaining that Wells Fargo Bank has failed to provide a loan level balance sheet accounting and is concealing the fact that they do not own XXXX 's loan. Wells Fargo is attempting to illegally foreclose on my primary residence by way of fraudulently altered documents, and XXXX 's recorded documents need to be investigated at the highest level within your organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief