Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My attempts to get this issue resolved started in XXXX and the issue has not been resolved. On XX/XX/XXXX a letter was mailed under the Administrative Procedures Act of 1946. ( USC Title 5, section 500 ) in an attempt to avoid further litigation. The company responded by claiming there was no loan number or mortgage. I made a second attempt to resolve the issue on XX/XX/XXXX and as of XX/XX/XXXX I have not received a response. 
Wells Fargo Home Mortgage has stated in multiple documents that it never owned the mortgage and was only the servicer for the mortgage. Wells Fargo Home Mortgage continued to " service '' the mortgage and collect payments for the mortgage after XXXX XXXX XXXX XXXX XXXX no longer existed. XXXX XXXX  XXXX, XXXX never has a license to do business in the state of Florida and an assignment from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX XXXX appeared in the official land records in XXXX. I filed a complaint in court against XXXX XXXX XXXX XXXX XXXX and won. On XX/XX/XXXX, at XXXX p.m., an assignment of mortgage ( instrument XXXX ) was falsely recorded in the official land records of XXXX XXXX Fl against my property located at XXXX XXXX XXXX XXXX, FL XXXX, book XXXX page XXXXThe assignment was prepared by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXXThe document was recorded & paid for by XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXThe assignment was allegedly executed on XX/XX/XXXX by XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the assignor, located at XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the sole assignee, located at XXXX XXXX XXXX XXXX Michigan XXXXThe assignment purports to assign both the mortgage and the note to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX assignee, which fails under Florida law, as Mortgage Electronic Registration Systems XXXX XXXX XXXX not hold a promissory note. The assignment goes on to state that XXXX  XXXX XXXX XXXX XXXX XXXX has the right to collect payments, principal & interest on the note. At the time the document was recorded, the assignor did not exist. The assignment was recorded 11 months after the alleged execution date by an unknown party not affiliated with the assignor or the assignee.This assignment was fabricated and recorded for the sole purpose of an attempt to substantiate a legal interest in the real property XXXX XXXX ln XXXX, FL XXXX, where none previously existed.The defendant, XXXX XXXX XXXX XXXX XXXX, who paid for and recorded the assignment never held ownership of the mortgage or the note and had no authority to execute or record the assignment for XXXX XXXX  XXXX XXXX XXXX and are in violation of Fl Statute 817.535XXXX and 817.54The defendant, XXXX XXXX XXXX XXXX XXXX was not authorized to transact business in the state of Florida on the date of the filing fee receipt ( XX/XX/XXXX ) or the date of the recording of the assignment in the XXXX XXXX Official records ( XX/XX/XXXX ). 
Wells Fargo Home Mortgage Inc. is XXXX XXXX. XXXX changed its name to Wells Fargo Home Mortgage in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is no longer in business and is the last party to have clear title to the property. Wells Fargo Home Mortgage Inc is the responsible party to clear the lien and provide a satisfaction of mortgage through its lien research department. I have followed the steps of the adminstrative procedures act and Wells Fargo has failed to provide a response.

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