Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please treat this XXXX XXXX, 2016 letter as a new " qualified written request '' under the Federal Servicer Act, which is part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Previous Quality Written Reviews ( QWR ) for this information dated XXXX XXXX, 2016 and XXXX XXXX, 2016 were received by the lender as verified by U. S. Postal Service certified mail and in material provided by the Consumer Financial Protection Bureau. These letters and verification of their receipt are included as attachments in a letter from XXXX XXXX XXXX of Wells Fargo dated XXXX XXXX, 2016. 
Pursuant to " Subtitle E Mortgage Servicing '' of the Dodd-Frank Wall Street Reform Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) A and Regulation X Section 3500.21 ( e ) ( 1 ), I am entitled to receive 1. A full, double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instruments. 5. Full name, address and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. 
Also, it is required pursuant to Section 1641 ( f ) ( 2 ) of the Truth in Lending Act that you provide the 6. Full name, address and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any and all trustees or other fiduciaries. 7. A physical location ( address ) of the original Promissory Note, original Security Instrument, and all assignments of the Security Instrument, and a contact name and phone number of someone who can arrange for inspection of said documents. 
As noted above, you received QWRs dated XXXX XXXX, 2016 and XXXX XXXX, 2016 requesting this information. As of XXXX XXXX, 2016, the specific items requested here now and previously in QWRs dated XXXX XXXX and XXXX XXXX, 2016 have never been provided by XXXX XXXX XXXX or by Wells Fargo. A letter acknowledging my requests was not received in five days following the request nor within the 30 days mandated by Congress. 
Please be advised that you are in violation of the Truth in Lending Act and accept this notification as an official complaint. 
Supporting copies of the QWRs dated XXXX XXXX, 2016 and XXXX XXXX, 2016 and verification of their receipt by the lender can be found as attachments in a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016. 
The items specifically requested anew by this QWR dated XXXX XXXX, 2016 have never been received from the lender in spite of repeated requests. 
DESIRED RESOLUTION Please provide : 1. A full, double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instruments. 2. Full name, address and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee. 3. Full name, address and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any and all trustees or other fiduciaries. 4. A physical location ( address ) of the original Promissory Note, original Security Instrument, and all assignments of the Security Instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.

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