Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting this complaint to establish issues which have prohibited me from securing private investors to consider the possibility to pay off a second which threatens a foreclosure set for XXXX XXXX, XXXX. There exists XXXX loan numbers to the second. Two different employees have confirmed that XXXX accounts are valid and assigned to my home. 
In addition, I hired a Certified Fraud Examiner who has informed me that I never entered a transaction pertaining a home loan but a platform of varied novation contracts all which have been closed multiple times and whereby the transaction proceeds initiated by me went to the benefit of others as evidenced by a XXXX sent to IRS in XXXX for another account number XXXX. I have been informed that I never received material disclosures concerning the varied accounts issued by Wells Fargo. For this reason, I would like CFPB to oversee Wells Fargo 's response to 3-QWR which I will send for each account. 
If Wells Fargo has already received the financial benefit of proceeds in XXXX why did they open XXXX more accounts? If it is true that I was used in order for people with financial saavy to use my credit access to divest me of title behind the scenes in order to participate in switching places in derivative contracts - varied novation contracts - then it appears that I should be able to submit a claim. I should not be threatened with FORECLOSURE when in fact this transaction never represented to be what I thought was a standard home loan. The material disclosures were never provided to me and I now have a right to know. My life has been turned upside down as debt collectors such as Wells Fargo, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, XXXX XXXX have falsified documents to deny me due process in court. I must take a stand to protect myself. 
I am also asking for Wells Fargo and XXXX XXXX owner of XXXX XXXX XXXX to not hold this auction until the QWR is answered in full. 
Another reason I would like the auction to be held off for the next 2 to three months, I was recently harmed by County of XXXX Recorders office and District Attorney. I hired a Legal Doc Assistant to help me with Formal Pre Discovery - by assisting with writing debt and QWR correspondence. This XXXX suggested that I accept the grant deed which is a smart suggestion. The XXXX also suggested that I grant my interest to a Grantor 's trust at same time which is also acceptable and not harmful to anyone. The problem - the XXXX documents were not standard. I met with County recorder 's supervisor on XXXX/XXXX/XXXX to confirm the documents would be submitted to examiner for authorization. I was acting in honor. Little did I know Recorder 's XXXX & County Counsel authorized the docs and then sent my docs to DA 's office. The abuse commenced - investigator called me twice by phone and tried to deem me a sovereign citizen & condescending and telling me I was attempting to block possible foreclosure. The XXXX also set up a Grantor 's Trust which I really liked as an estate planning tool. She forgot XXXX words -- '' no liens except for those of Public record '' I did plan to submit a correction to correct the small error. In meant time, the investigator opened up a case against me. I now have a warrant for my arrest ; blocked from starting my work which was to be used for possible modification. For this reason, I ask that the XXXX be stopped. The DA 's office has interfered with their accusations & I know have to incur expenses to defend myself. I do not want to lose my home due to the harm caused by County Recorders office and DA 's office. I tried to come the recorders office in honor and to follow the law, and their misinterpretation has harmed me financially. I can not secure employment ; complete tax returns due to this warrant for my arrest.

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