Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX  and Complaint against Wells Fargo Bank unauthorized responses re my Complaint against XXXX XXXX  ( XXXX ) as Trustee XXXX XXXX and XXXX XXXX XXXX XXXX ), as Trustor and Master Servicer for XXXX XXXX XXXX. 
Demand for a direct respond from an authorized officer for the XXXX  and who is responsible for this XXXX  financial activities, along with his/her direct contact information, so I can discuss these issues in person. 
I submitted my Complaint against XXXX and XXXX where I requested to provide me a receipt of money received by XXXX  as Trustee and a copy of lien release for the property sold in XX/XX/XXXX by XXXX under authority of XXXX XXXXXXXX  XXXX Board of Directors. I never received any releases of this lien or any proof that my alleged loan account was paid from these proceeds {$130000.00}. 
XXXX and XXXX have duty to respond to my questions since they claim to be alleged owners on my alleged obligation dressed as a Mortgage loan Instead XXXX  and XXXX  forwarded my complaints to Wells Fargo bank whose Enterprise Complaints Management Office on XX/XX/XXXX responded that they research my issues. Wells Fargo must disclose the name and direct contact information of each responsible individual who works for my alleged " Creditor '' and who AUTHORIZED Wells Fargo bank to contact me with unsolicited responses on behalf of some " enterprise ''.

I asked very specific questions - provide me a copy of RECEIPT of MONEY after my property XXXX XXXX XXXX XXXX was sold for {$130000.00} in XX/XX/XXXX and a Release of Lien from XXXXXXXX XXXX XXXX  authorized Officer as Trustee for alleged " owners '' of my alleged obligation. 

ONLY THE OWNER of my alleged obligation and and its individual officer ( not some " enterprise '' at large ) must answer my Complaint and provide me a receipt of my AFTER foreclosure sale and a Release of Lien along with the copy of the ledger of my account receivble with evidence that these money were received by XXXX XXXX  and distributed to beneficiaries of the Trust. 

Statement of Facts : On XX/XX/XXXX someone ( who used initials XXXX ) recorded an Assignment of my mortgage with XXXX XXXX XXXX Recorder of Deeds. 
However, I never received any Notices from alleged owners XXXX  who deny its ownership or XXXX XXXX and Loan ( defunct since XXXX ) In order for an assignment of mortgage to be effective, the property owner must be given notice by the existing owner of the mortgage lien acknowledging that there had been a transfer of ownership of the mortgage lien to a new, identified owner of the mortgage lien. 
XXXX and XXXX must explain WHO was the owner of my alleged obligation at the time of this transfer and provide me contact information for XXXX  employee who can verify me this ownership. 
An assignment of mortgage without a conveyance of the underlying obligation is a legal nullity if alleged new owner did not paid value for underlying obligation, as required by UCC Art 9-203 which has been adopted verbatim in all U.S. jurisdictions XXXX and XXXX  authorized officers must disclose if they PAID VALUE for my alleged obligation and to whom this value was paid. 

Article 9 governs foreclosure of security instruments. Thus, it is not possible for a claimant XXXX  to enforce the mortgage without owning the underlying obligation. 

XXXX and XXXX individual employees who are responsible for accounting must respond to my following questions : was Trust XXXX XXXX XXXX the owner of my alleged mortgage when they filed case XXXX, XXXX XXXX XXXX and did they paid VALUE for it? 

If yes, disclose to WHOM this value was paid and who received proceeds from the foreclosure sale of my property in XX/XX/XXXX, along with copies of receipt and the release of this alleged lien signed by the authorized employee of XXXX. 

The current claimant XXXX  and XXXX  XXXX XXXX have been illegally or inappropriately named if the business transaction did not occur. No value was paid for the underlying obligation if the business transaction did not occur. That means that the underlying obligation was never transferred despite wording that might be contained within the body of the assignment of the mortgage. 

That means that the mortgage assignment is void as a legal nullity. And that means that the assignment of mortgage, and the mortgage lien itself, can not serve as the foundation for a claim of foreclosure by the currently named claimant, thus must be reversed and the property returned back to me, along with all damages and illegally collected from me money. 

I will only accept corroboration from the named claimant XXXX  as Trustee for XXXX XXXX. If the response comes from a company who has been designated or named as being the servicer, here Wells Fargo who has no knowledge about this foreclosure - I will not accept that without receiving an acknowledgment from an authorized officer of the named claimant XXXX XXXX..

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