Consumer complaint received 2016-02-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo, XXXX and XXXX XXXX continue to take my case lightly. 
I have asked for assistance from many departments within Wells Fargo. Ultimately, I 've been directed to Executive Mortgage Specialists and their Supervisors. 
I 've asked XXXX to clarify its role in the ongoing foreclosure scheme that its embroiled in with Wells Fargo Home Mortgage. 
I 've asked a variety of governmental agencies to help hold the above mentioned banking institutions more accountable ; however, not enough action or enforcement is taking place to prevent servicers such as Wells Fargo Home Mortgage from reiterating the same indirect responses for a variety of questions and complaints. This process actually helps the banks, and reduces the willingness for some consumers to entrust that the system that is in place by the CFPB is worth pursuing. 
Now, I am seeking the highest level of escalation from the CFPB to review my case -- in its entirety. I am seeking the support of the Director, XXXX XXXX and the Deputy Director, XXXX XXXX to review the documents that I have attached to this file and to determine the appropriate sanctions that these banks should face. My family has suffered enough, as a result of Wells Fargo 's ability to orchestrate elaborate schemes that are designed to deceive homeowners, consumers and legislators. 
Here are the Facts : 1 ) Wells Fargo sold my loan to XXXX, but denies the claim ( See the attached document -- labeled Foreclosure Notice 2007 ). While my personal information is masked from public, I have the original documents from Wells Fargo and its attorneys reflecting XXXX as my Mortgage Lender and Servicer. I circled the reference number for certified mail that was received from XXXX XXXX of Wells Fargo and XXXX. 
2 ) The very next month, XXXX filed a Complaint-in-Mortgage Foreclosure ( See attached - Original Complaint-in-Foreclosure ). Upon receipt of the complaint, I was unaware of XXXX being my Mortgage Lender or Servicer, as I never received the required RESPA disclosures to reflect a change of mortgage servicing for my home loan. I immediately asked the bank to show me the note or proof of its ownership of my mortgage loan. 
3 ) A fraudulent Assignment of Mortgage was handcrafted by Wells Fargo, XXXX and XXXX, XXXX XXXX XXXX ( See attached - Original Assignment ). After I challenged the authenticity of the Assignment ( Because the lead foreclosure attorney was also purported to be a Vice President of Lending for Wells Fargo, an In-House Notary for the Attorney was used to rubber stamp the Assignment, a lack of a seal or even a witness -- not to mention the consideration from XXXX for {$1.00} to purchase a {$400000.00} mortgage loan, caused me to question the validity of the Mortgage Assignment. After raising so many concerns the scheduled foreclosure sale and the case was completely dismissed without prejudice. 
4 ) Three-years later, a second Assignment of Mortgage surfaced ( See Attached -2nd Assignment ) This Assignment was used to file the current Foreclosure Complaint. However, there is a lot of ambiguity that exists here, as you 'll find that the 3rd Assignment references Wells Fargo 's inability to create a 2nd Assignment -- due to a Lack of Standing. Wells Fargo voraciously undermines the local courts, homeowners, authorities and government officials. Hence, without the standing to create the 2nd Assignment, its use to complement the current Complaint-in-Foreclosure should be nullified. 
5 ) A recorded Corrective Assignment that Wells Fargo attempted to seamlessly enter into courthouse records without detection is attached. Toward the bottom of the page Wells Fargo admits that it lacked the standing to Assign the Assignment that is being used in the current foreclosure action ( See - 3rd Assignment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation