Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
To Whom It May Concern : We XXXX XXXX and XXXX XXXX XXXX, believes Wells Fargo Home Mortgage ( WFHM ), have committed many illegal acts of law and civil right violations against us. 

Since the year late XXXX, we XXXX XXXX and XXXX XXXX XXXX, who will be addressed as XXXX and XXXX, further in this document had been inquiring clarification of Note and Deed from Wells Fargo Home Mortgage, who will be referred to in this document ( WFHM ). After many phone calls and several letters written to WFHM we got no clarification of the Note and Deed. 

On XX/XX/XXXX, the servicing of our mortgage loan was transferred to XXXX XXXX XXXX XXXX. WHFM, were the current servicer. The Lender : XXXX XXXX XXXX XXXX c/o XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachment # 1, 3 pages, letter from XXXX dated XX/XX/XXXX. See attachment # 2, 2 pages letter from XXXX XXXX, dated XX/XX/XXXX. 

XXXX XXXX, notice of servicing transfer. The Servicing of your mortgage loan is being transferred, effect XX/XX/XXXX. See attachments # 3, 1 page. 

XXXX XXXX, letter dated XX/XX/XXXX. See attachment # 4, 1 page. 

XXXX XXXX, letter dated XX/XX/XXXX. See attachment # 5, 2 pages. 

XXXX XXXX, letter dated XX/XX/XXXX, see attachment # 6, 1 page. 

XXXX XXXX, letter dated XX/XX/XXXX, see attachment # 7, 1 page. 

XXXX XXXX, mortgage statement, statement dated XX/XX/XXXX, payment due date XX/XX/XXXX. We XXXX and XXXX, never made any mortgage payments to XXXX XXXX. The last mortgage payment we made for the property located : XXXX XXXX XXXX, XXXX XXXX, LA XXXX, was to WFHM. see attachment # 8, 1 page, XXXX XXXX XXXX  XXXX. 

XXXX XXXX, escrow account disclosure statement, loan # XXXX, analysis date XX/XX/XXXX. See attachment # 9, 1 page. 

XXXX XXXX, short year history statement, statement dated XX/XX/XXXX. See attachment # XXXX, XXXX page. 

XXXX XXXX, letter dated XX/XX/XXXX, notice of servicing transfer. Effective Friday XX/XX/XXXX, new servicer, XXXX XXXX XXXX. This servicer is the servicer for XXXX. XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  ). XXXXXXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX phone # ( XXXX ) XXXX. XXXXXXXX XXXX, on XX/XX/XXXX, filed petition for XXXX XXXX, XXXX XXXX XXXX XXXX for the Parish of XXXX XXXX, State of Louisiana. Docket no. # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. See attachment # 11, 1 page, case # XXXX. 

Louisiana Law Review : Civil Procedure-Executory Process-Requirement of Authentic Evidence to prove endorsement of mortgage note. See attachments # 12, 1 page of LA. Law Review. 

Our attorney XXXX XXXX XXXX, said XXXXXXXX XXXX provided no authentic evidence of proof of Note and Deed. 

XXXX XXXX XXXX, letter dated XX/XX/XXXX, new loan number : XXXX, old loan number : XXXX, collateral : XXXX XXXX XXXX XXXX XXXX, LA see attachment # XXXX, XXXX page. 

XXXX XXXX XXXX, letter dated XX/XX/XXXX, loan # XXXX, colleterial : XXXX XXXX XXXX XXXX XXXX, LA. Notice letter date XX/XX/XXXX, date of assignment, sale or transfer, XX/XX/XXXX. New Owner ( also known as a lender ) name : XXXX XXXX XXXX XXXX addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. See attachment # XXXX, XXXX page. 

XXXX XXXX XXXX, letter dated XX/XX/XXXX, The Federal Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. see attachment # XXXX, XXXX page. 

XXXX XXXX XXXX, letter dated XX/XX/XXXX, Notice of Assignment, Sale, or Transfer of Loan. Notice the date of the letter, XX/XX/XXXX, date of assignment, sale, or transfer XX/XX/XXXX. New Owner ( also know as a lender ) name : XXXX XXXX Bank XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. Relook at attachment # XXXX, same owner. Attachment # XXXX, letter dated XX/XX/XXXX, owner name XXXX XXXX XXXX XXXX. Attachment # XXXX, letter dated XX/XX/XXXX, owner name : XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. The owners name was split in XXXX parts, same address for both. See attachment # XXXX, XXXX page. Again, relook at attachment # XXXX. 

Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX mail us XXXX forms XXXX Mortgage Interest Statement. See attachment # XXXX, XXXX page and attachment # XXXX, XXXX page. 

XXXX XXXX, letter dated XX/XX/XXXX, Notice f Servicing Transfer. This attachment should have been attachment # XXXX, but it was left out, so relook at attachment # XXXX and # XXXX. See attachment # XXXX, XXXX pages, current servicer : XXXX XXXX XXXX XXXX, New Servicer : XXXX XXXX XXXX. 

We are sending letters ; we wrote to XXXX XXXX XXXX XXXX XXXX XXXX. See attachment # XXXX, XXXX pages. See attachment # XXXX, XXXX pages. See attachment # XXXX, XXXX pages. 
We are sending letters that Well Fargo XXXX Mortgage ( WFHM ), sent to us. See attachment # XXXX, XXXX WFHM, letter attachment # XXXX, XXXX WFHM letter dated XX/XX/XXXX. See attachment # XXXX, XXXX WFHM letter XXXX XX/XX/XXXX. 

In XXXX of XXXX, this year, we received XXXX checks from WFHM. First check dated XX/XX/XXXX, for {$200.00}, second check dated XX/XX/XXXX, for {$560.00}. In XX/XX/XXXX we received the third check dates XX/XX/XXXX, for {$6000.00}. All three checks were from Wells Fargo customer care remediation. See attachment # XXXX, XXXX pages Wells Fargo Customer Care letter dated XX/XX/XXXX. See attachment # XXXX XXXX pages, second letter dated XXXX XXXX. See attachment # XXXX, XXXX pages third check, letter dated XX/XX/XXXX. 

We received XXXX letters from XXXX, reminding us to cash the XXXX checks. See attachment # XXXX, XXXX WFHM, letter dated XX/XX/XXXX. See attachment # XXXX, XXXX page. WFHM, letter dated XX/XX/XXXX. See attachment # XXXX, XXXX pages WFHM letter dated XX/XX/XXXX. 

On XXXX XXXX, we received a letter from WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter was WFHM, answer to the remediation checks sent to us, and documentation explaining Note and Security Instrument. Pleas relook at attachment # XXXX, XXXX pages, original letter, first page only information the date ( XX/XX/XXXX ) second page only XXXX paragraphs. See attachment # XXXX, XXXX pages, letter from WFHM dated XXXX XXXX. 

On XX/XX/XXXX, our property, located at XXXX XXXX XXXX XXXX XXXX, LA XXXX, was seized and sold by Sheriff, XXXX XXXX. 

On XX/XX/XXXX, we had a XXXX XXXX analysis report done. Prepared by XXXX XXXX XXXX, Certified Mortgage Securitization Auditor/Bloomberg XXXX XXXX See attachment # XXXX, XXXX pages, the report an affidavit of XXXX XXXX XXXX. 

On XXXX XXXX, we filed civil case # XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State of Louisiana. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX versus XXXX Mortgage XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Fannie Mae XXXX XXXX Trust, Wells Fargo Home Mortgage , Mortgage Electronic Registration System ( MERS ), XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Inclusive, et, al. 

We are still waiting to see if XXXX XXXX going to schedule our case or not schedule our case for trial. On XX/XX/XXXX, we were told by XXXX XXXX paralegal that XXXX XXXX will have an answer for us in about 2 or 3 days. 

Our case, case # XXXX is basic on the certified forensic audit and affidavit by XXXX XXXX XXXX. The forensic audit showed documents were assigned by these XXXX lenders without disclosure of true employment. The XXXX are # XXXX, Wells Fargo Bank, NA. # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX individual capacity but solely in itss capacity as XXXX XXXX for XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX XXXX XXXX XXXX, as Trustee of THE Bungalow Series XXXX Trust. 

No Recorded Assignment of Mortgage to Fannie Mae. See attachment # 34, 25 pages our XXXX XXXX, # XXXX. 

On XX/XX/XXXX, we wrote the first of XXXX letters to : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana Ave. XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX. XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX XXXX, LA XXXX. 

The letters : A list of question that needs clarification of the Note and Accounting Billing. All correspondence were to be sent to Notary at Notary address give on the letter. There was only XXXX response, attorney XXXX XXXX XXXX, address, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, LA XXXX, Phone # ( XXXX ) XXXX, ( XXXX ) XXXX, Fax : ( XXXX ) XXXX. Office Hours XXXX XXXX XXXX. cst. See attachment # 35, 3 pages, letter dated XX/XX/XXXX, see attachment # 36, 2 pages, letter XX/XX/XXXX. See attachment # 37, 3 pages, letter dated XX/XX/XXXX. See attachment # XXXX, XXXX pages, letter dated XX/XX/XXXX. See attachment # XXXX, XXXX XXXX XXXX, XXXX pages. See attachment # XXXX, XXXX page letter from attorney, XXXX XXXX XXXX. 

We are submitting a complaint against these XXXX Mortgage Lenders, which all were apart of our ( Real Property ) to be seized and sold, by Sheriff, XXXX XXXX. Property located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. Our estimate equitable interest in the XXXX is approximately {$470000.00} at the time XXXX sold the XXXX XX/XX/XXXX. 

The loss of our property was more than just equity we lost in the property, but also memories of XXXX years. We had the house build to our liking, where we were going to spend our final Days. Again, we believe the four lenders below, did more than cost the seizer and sell of our property. But also committed many illegal acts of law and civil right violation against us, meaning XXXX XXXX and XXXX XXXX XXXX. We have a video loaded onto XXXX but is placed under private. Once the video is sent to you, you have XXXX hours to view it due to the privacy of the video. We did not want to make it public until it was seen by the proper legal authorities. This is my affidavit of Truth attesting to the true validity of the video recorded by me on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX House. 

The Four Lenders and their address : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. Well Fargo Bank, NA 1 Home Campus Desmoines, IA. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, As Trustee of The XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXXXXXX XXXX  Corporate address : XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX XXXX was the last lender who claim ownership of Note and Deed of our property, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. XXXX XXXX filed petition for Executory Process, case # XXXX, XXXX Judicial District court for the Parish of XXXX XXXX, State of Louisiana. The Law Firm that representative XXXX XXXX was XXXX XXXX XXXX, XXXX Attorney at Law, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. 


XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX, Dated XX/XX/XXXX Letter : 5 pages, Attachments : 136 pages

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