Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, XXXX filed a claim against my spouse & Myself on XX/XX/XXXX without the proper authority or standing. XXXX XXXX has stated that XXXX XXXX   is the owner of the mortgage and the note. XXXX XXXX, XXXX has filed misleading and falsified documents in the land records of XXXX County Florida. XXXX did not pay value for the mortgage or the note and is not the owner of the debt and did not have the authority to bring suit against us.Defendants challenge the assignments based on the following information : There is an assignment from party A ( XXXX XXXX ) to party B ( XXXX XXXX XXXX XXXX , XXXX ) and this assignment was recorded in the XXXX County land records XX/XX/XXXX. This would have established ownership was transferred from Party A, XXXX XXXX , XXXX to Party B, XXXX XXXX XXXX XXXX , XXXX On the same day Party B ( XXXX XXXX XXXX XXXX , XXXX ) executed an assignment to Party C ( XXXX XXXX XXXX XXXX ), which was not recorded but was executed and contains the Corporate seal, two witness signatures and a notary stamp. This would establish ownership transfer from party B, XXXX XXXX XXXX XXXX , XXXX to XXXX XXXX, XXXX   XXXX XXXX XXXX. On XX/XX/XXXX, an assignment of mortgage was recorded in the XXXX County land records by Party F, XXXX XXXX XXXX ( who had no legal ownership or right to record the assignment, as Party F was not the owner of the mortgage ) showing an assignment of mortgage from Party D, XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX XXXX XXXX to Party E, which was allegedly executed XX/XX/XXXX. Party B, also known as party D gave up the legal ownership of the mortgage when party B executed an assignment of mortgage to Party C in XX/XX/XXXX. In XX/XX/XXXX, when XXXX XXXX, XXXX brought claim against the defendants, Party E a/k/a XXXX XXXX XXXX XXXX , XXXX allegedly recorded an assignment from Party E, XXXX XXXX XXXX XXXX , XXXX to Party H, XXXX XXXX, XXXX. Party E, XXXX   XXXX XXXX XXXX , XXXX can not legally record an assignment of mortgage, as neither party E or B or C owned the mortgage at the time of execution and recordation of ANY assignment. XXXX XXXX is party G, who XXXX XXXX, XXXX claims is the owner of the loan. XXXX XXXX, party G, is not on any assignment or recorded document. 
The original mortgage is from XX/XX/XXXX. The original mortgage amount was for {$40000.00}. XXXX XXXX, XXXX has kept me in court for 3 years and ran up {$30000.00} in attorney fees for a {$19000.00} principal balance. XXXX XXXX forced the sale of my home and won with a " credit bid ''. This is fraud and theft and unjust enrichment. XXXX XXXX, XXXX holds no equity in the XX/XX/XXXX mortgage or note. If XXXX XXXX owns the mortgage and the note, why was the certificate of sale issued in XXXX XXXX, XXXX name? XXXX XXXX, XXXX d/b/a XXXX XXXX is a thief and a fraudster.

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