Consumer complaint received 2016-02-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is claiming ownership and servicer of this alleged security deed, loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
Wells Fargo forced me to submit a Completed Loan Modification Packet on XXXX XXXX, XXXX without Wells Fargo VERIFYING AND VALIDATING THE ALLEDGED DEBT THEY SAY I OWE I did not receive this information prior to me giving them my information because they scheduled a foreclosure for XXXX XXXX, XXXX I disputed Wells Fargo debt with the credit bureau agencies and they removed Wells Fargo loan payment as XXXX in XXXX and they stop reporting and closed the account..I was alerted by the Credit Bureau agencies recently that Wells Fargo re-inserted XXXX , past due balances of XXXX, stating that I owe XXXX per month from XXXX XXXX thru XXXX XXXX 

Wells Fargo are mandated under " FDCPA '' to verify and validation of the original Note and Mortgage Trust Deed. The Demand for payment along with the supporting documentation has been falsified which misleads the courts and Federal regulators with fraudulent documents as per guidelines of the XXXX XXXX and The Amended OCC XXXX Consent Order, Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; 1. Article IV - Compliance Program 2. Article VIII - Management Information Systems 3. Article IX - Mortgage Servicing 4. Article XIII Any modification agreements that were executed with security deeds under FHA/HUD/VA and were placed in XXXX XXXX Pools which did not follow XXXX XXXX guidelines is null and void per the regulations of XXXX XXXX Mortgage Backed Securities. This policy is under XXXX XXXX Documentation Requirements for Servicing of Modified Loans in MBS This letter requests VALIDATION AND VERIFICATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. The Affidavit that 's MANADATED UNDER THE OCC XXXX CONSENT ORDER I requesting for Wells Fargo to please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated to date 4. Provide copies of any papers that show that I agreed to pay the alleged debt with my signature that follow XXXX XXXX GUIDELINES 6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds 8. Provide evidence that the Statute of Limitations has not expired on this account PER FCRA AND NATIONAL BANKING ACT 9. Provide evidence that you are licensed to collect in my state. 
10. Provide in the AFFIDAVIT you have not violated the National Banking Act ; 29. The Power to Hold Real Property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation