Consumer complaint received 2023-01-13
Product: Debt collection 
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: GA
Tags: Servicemember

Complaint:
XXXX is not the party that can represent a party in this case as nominee for the lender or lender successor or assign because XXXX XXXX XXXX XXXX  XXXX ) stopped existing while never having been provided an Assignment of Deed of Trust. There was a dispute as to who had a right to foreclose as because there was a Assignment of Deed of Trust to XXXX XXXX recorded on XX/XX/XXXX when in fact there was no Assignment of Deed of Trust to any other entity at the time, making that assignment the first lien position. XXXX who was sold my Dept of VA loan on XX/XX/XXXX, when at the time the originator in XXXX XXXX XXXXXXXX ( XXXX ) had yet to deliver and record the Deed of Trust ( DOT ) and also failed to create the Assignment of DOT per its correspondent agreement with XXXX, which was address by XXXX XXXX XXXX XXXX on XX/XX/XXXX in the Limited Power of Attorney ( POA ) that was delivered and recorded at XXXX XXXX XXXX of Deeds on XX/XX/XXXX. Wells became the mortgage servicer of my VA loan on XX/XX/XXXX, but did not act on the non presents of the DOT and Assignment of Deed of Trust which both were needed when having my loan accepted into XXXX 's XXXX XXXX XXXX on XX/XX/XXXX. XXXX responsibility was to inform XXXX that the loan had been accepted into the XXXX pooling without having title making the loan not qualified for the XXXX pooling day XXXX. XXXX now servicing my VA loan and the POA is delivered and recorded at XXXX XXXX on XX/XX/XXXX which XXXX been the servicer for 11 months, while all the other XXXX XXXX Fed XXXX mortgage loans were having Assignment of DOT to XXXX form XXXX except for my VA loan. The XXXX XXXX assignment were done from XX/XX/XXXX to XX/XX/XXXX as XXXX signed these XXXX XXXX assignments. On XX/XX/XXXX when the FDIC declared XXXX a " failed bank '' which stopped the bank from existing, have not abilities to do anything as it did not have a claim for a debt from me because they did not own the mortgage note as a requirement of the XXXX pooling is that the issuers are to use XXXX procedure of endorsing the Note in blank and relinquishing it to XXXX how becomes the owner of the Note without a sell occurring as XXXX is not authorize to buy or sell a mortgage loan! The reason XXXX requires titling to be done is as in this situation they can not control in that other liens are going to be filed as with 2nd mortgages and if the issuer/lender is not filed it effects the shell game that played because XXXX does not pay a cent for the mortgage loans. XXXX is provided the Assignment of DOT when in fact when doing all the other XXXX XXXX through XX/XX/XXXX and XX/XX/XXXX, still being alive until XX/XX/XXXX, and they did not create a Assignment of DOT nor did it call in XXXX  to create one, because of the reason stated in the POA. XXXX does not exist and is why they are not address after XX/XX/XXXX, and all payments received by XXXX XXXX XXXX XXXX pooled loans are not going to pay a debt to XXXX because they did not file bankruptcy as the FDIC declared it dead and it had no ability to file bankruptcy making it impossible for this to dispute the time of day! Wells who provides in their many responses their servicing welcome letter telling me they are taken over from XXXX for servicing, yet when it came to the Notice of Default and Assignment of DOT were doing some XXXX XXXX XXXX were it like XXXX never existed in this contract, We not who XXXX successor is and that it XXXX and there not a successor after XXXX and there no assign on XX/XX/XXXX and MERS who never could act because XXXX as when not assign the DOT had no power under the DOT and so could not have power under a assignment of DOT which the did not have record because of the failure of XXXX to follow the rules!

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