Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I sent a letter to : Home Mortgage Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX TO WHOM MAY CONCERN : I am writing you this letter because I would like to request a copy of the mortgage contract binding both parties by certified mail. Also could you please attach the validation of the debt and a signed invoice. 

Thank you for giving this matter your immediate time and attention. If there is anything further needed from me, please contact me by mail and confirm all communications in writing. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Wells Fargo sent this letter to XXXX XXXX, Executive Office Case Specialist WF, and he sent some paperwork where he didn't attached the copy of the mortgage contract binding both parties and signed invoice. 

XX/XX/2022 I sent this letter to XXXX XXXX. 

Dear XXXX XXXX : I have sent several letters stating to keep all communication in writing, I would like to keep all correspondence in writing for evidence purposes. 

The paperwork you sent has only my signature in there, and for a contract to be legally binding it must be between two different parties, the contract has no signature for the second party ; which is why I brought it into question. 

Since you are stating that the debt has been verified, I would like a copy of the accounting showing the origination of the debt. 

Ive been led to believe that banks can not loan out their money but can only buy security interest, so if that is true, then who originally funded the loan? 

Thank you for reaching out to me, it is very much appreciated. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

As you can see, I written down to contact me by mail and confirm all communications in writing, but they keep harassing me with the calls and XXXX XXXX keep calling leaving messages to please call him back. Also, I have been getting phone calls from different representative from Wells Fargo Home Mortgage. 

On XX/XX/XXXX, XXXX XXXX Executive Office Case Specialist/Enterprise Complaints Management office XXXX sent a letter responding : We've completed our review of your request for documentation and information. We've determined the items you requested are considered confidential, privileged and/or proprietary information of Wells Fargo XXXX For this reason, we're unable to provide the documents and information requested. 

I would like to know why any information regarding this account, its information that I don't need to know ; seen as the account is mine and all my information has been giving to Wells Fargo. 

I would also like to know why Wells Fargo sent somebody to my house to put a vacant slip, when I still live here with my family and I have not received any letter regarding that action ( vacancy or foreclosure ) nor we haven't gone to court regarding this.

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