Consumer complaint received 2016-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
VIOLATION ( XXXX ) OF : ORDER TO CEASE AND DESIST AND ORDER OF ASSESSMENT OF A CIVIL MONEY PENALTY ISSUED UPON CONSENT TO ; WELLS FARGO & COMPANY, XXXX XXXX, XXXX and WELLS FARGO FINANCIAL., INC., WELLS FARGO BANK ( WFB ) has hired " Third Party '' Subsidiary ( ies ) America 's Servicing Company ( an unregistered XXXX County California , Fictitious Business Name, Doing Business As " Debt Collection '' ), XXXX XXXX XXXX acting as Sub. of Trustee, ( an unrecorded Trustee in the Official Records of the County Recorders Office ) conducting an unlawful foreclosure in violation of Federal Bankruptcy Court Orders pursuant to 11 USC 362 amongst other discovery newly found during our investigations. 
The Order attached is not in compliance with the United States of America Board of Governors of the Federal Reserve System, XXXX, ( attach ). 
WELLS FARGO BANK is back in business with the identical practices which caused identical injuries to Prime Borrowers. The acts of WFB " Team Members '' are willful and intentional, which caused ; 1. the illegal sale of the subject property at auction, 2 ) conversion of title executed by a notary public outside his authorized jurisdictional boundaries ( XXXX ) to convey a title to property situated in XXXX , 3. filing the Trustee 's Deed Upon Sale by electronic service, without presentment of the wet ink ( By ACCOMMODATIONS ONLY ), conveying title to property with copies of a purported wet ink ownership, which could not be authenticated with the Secretary of State California XXXX but has been unlawfully conveyed to themselves ( WFB ), and 4. has caused threat of an accelerated and unlawful three/ninety day eviction without authority, and by filing an unverified complaint in the County of XXXX , Superior Court of XXXX XXXX , XXXX , without an authorized Substituted Trustee and Assignments. 
5. WELLS FARGO BANK continues to harass and ignore that the homeowner being a victim of Identity Theft, which has been proven by the Franchise Tax Board, IRS, Federal Trade Commission and duly noted with the XXXX major Credit Bureaus. 
6. WELLS FARGO BANK refuses to correct the unauthorized loan which they were a party by consenting enforcement of a fraudulent debt collection scheme, in violation of the FDCPA 1692g sec. 809 by accepting funds from an unregistered, insider broker/agent of WFB ( XXXX XXXX XXXX ) who funded and presented by illegal wire transfer, to America 's Servicing Company XXXX XXXX, 2008 approximately XXXX XXXX a CASHIERS CHECK NO. XXXX Issued by WFB for the amount of {$130000.00} and credited the funds to themselves and filed an illegal tax XXXX XXXX MORTGAGE STATEMENT to homeowners social security, causing further damage. 
7. WELLS FARGO BANK is using the Courts and legal authorities to evict an injured party from their home, while WFB insist on ignoring the material facts which point to a Full Reconveyance which was recorded in the County Recorders Office, without proving 8. an Accounting of Debt Purchased by a DEBT PURCHASER ( wire transfer ) amongst other concealed info that may be in violation of Home Equity Sale Contract Procedure Act ( HESCA ) CCP sec. 1695. ( Same as Paragraph 9 ), REMIC, 9. an Accounting of Debt Purchase from XXXX XXXX XXXX XXXX to $ XXXX, and XXXX all other strict requirements under SB233 - sec. 1788.50 & 1788.52, including but not limited to civil code and proc. ( 2924. 30 day requirement ). WFB is NOT in compliance and has caused irreparable harm to the property owner, by placing her into " A Paper Filter '' which was false and misleading, while the broker/agents where rewarded egregious salaries to induce me into signing a toxic, unconsummated contract which was rescinded but not acknowledged. 
11. The rescission is FINAL ; however, the WFB has disregard the Supr. Court Ruling pursuant to 15 USC 1635, and proceeded to FORECLOSURE as usual. 
12. CEASE AND DESIST IS ATTACHED.

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