Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Demand for Direct Response to CFPB Affidavit of Complaint Case Number : XXXX Dear Sir/Madam, This letter serves as a formal demand for Wells Fargo to provide a direct response to the Consumer Financial Protection Bureau ( CFPB ) regarding the affidavit of complaint submitted by XXXX XXXX, dated XX/XX/year>, and Case Number XXXX. 

It has come to our attention that Wells Fargo has attempted to direct the response to the undersigned attorney, XXXX XXXX XXXX XXXX, rather than addressing the complaint and affidavit directly to the CFPB. Such action is a violation of the agreed-upon procedures, as stipulated by the CFPBs complaint process. Wells Fargo is under a legal obligation to provide a point-by-point response to the consumer complaint submitted to the CFPB, and can not subvert this obligation by routing responses to an attorney instead of the governing body.

Please be advised that Wells Fargos failure to provide the necessary direct response to the CFPB violates the CFPBs formal complaint process and delays the timely resolution of this matter. Therefore, we request the following actions immediately : Immediate Response to the CFPB : Wells Fargo must submit a full, detailed, and direct response to the CFPB, addressing each element of the affidavit of complaint, including the acknowledgment of the arbitration clause, secured party status, UCC claims, Truth-in-Lending Act ( TILA ) violations, and credit reporting discrepancies. 

Full Acknowledgment of Affidavit : Wells Fargo must provide a clear point-by-point rebuttal or acknowledgment of the claims made in the sworn affidavit submitted as part of the complaint, in accordance with the Federal Rules of Civil Procedure, where an unrebutted affidavit stands as fact. 

Clarification of the Foreclosure Activity : An immediate cessation of all foreclosure activities, pending a full review of the affidavit and supporting materials, as required by law.

Provision of Corrected Credit Reporting : A full investigation into credit reporting issues and a correction of any inaccuracies related to the account, including the removal of invalid public records or foreclosure reporting. 

This issue must be addressed expeditiously. If Wells Fargo fails to comply with the CFPBs established procedures and provide the necessary direct response, we reserve the right to escalate this matter through additional legal channels, including but not limited to, formal legal action. 

Please acknowledge receipt of this letter and confirm that the necessary steps are being taken to ensure compliance with the CFPB 's complaint resolution process. 

Sincerely, XXXX XXXX Secured Party Authorized Representative All Rights Reserved, Without Prejudice XXXX XXXX XXXX XXXX, XXXX, NY XXXX CC : Consumer Financial Protection Bureau Complaint ID : XXXX

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