Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
QWR, DVR and demand under TILA for disclosures. Complaint against Wells Fargo for using documents prepared by artificial intelligence signed by unauthorized employees, providing flagrantly forged copies of " documents '', and refusal to return original documents and lien release ; and deceptive and misleading statements about alleged " debt ''. 

I submitted my complaint with CFPB with demand to return my ORIGINAL promissory Note, original Mortgage, original Allonges and Assignments of Mortgage [ if any ] for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and a wet-ink signed release of all liens signed by an authorized employee of the Creditor to make sure that my original Note and Mortgage are not currently in in circulation - as evident from alleged fictitious " transfer of servicing '' to fake corporation XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX or three months after my property was sold to bona fide buyer XXXX He on XX/XX/XXXX, or three months earlier. 

In support of its response XX/XX/XXXX AI-generated response Wells Fargo provided me flagrantly FORGED copies of my allegedly " original '' Note ; forged copy of Mortgage ; NO any Allonges or any assignments, NO wet-ink releases of any liens- and insist that my original documents are somehow are " proprietory information '' of Wells Fargo because unknown to me parties allegedly " transferred servicing '' to SLS to collect from me alleged " debt '' three months AFTER the subject property was sold. 

First and foremost, I demand Wells Fargo to stop using Artificial Intelligence and names of non-authorized employees to respond my Complaints. Under FR 1002 and Uniform Commercial Code, the signature must be original and the signor must be authorized by the Creditor and have personal first hand knowledge about my questions.

Second, this is my QWR to identify the CREDITOR who authorized servicing transfer to XXXX on XX/XX/XXXX, or three months after my property was sold. 

Third, the first Deed of my property was granted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX Participation XXXX. Please provide me copy of wire transfer receipt, cancelled check, ACH evidencing that XXXX paid value for the debt to have any legal right to transfer the Deed to XXXX. 

On XX/XX/XXXX my property was sold and XXXX transferred Special Warrantee Deed to XXXX He. Therefore, this property was SOLD to bona fide buyer three months before XXXX tried to collect for this non-existing debt. 

In other words, XXXX XXXX [ who was the real party behind my transaction ] must receive money for alleged " debt '' ; close an account receivable due from me [ if any ] and return me my original documents soon after the sale, along with wet-ink signed lien releases XXXX It never happened. 

I demand Wells Fargo and XXXX XXXX immediately produce an individual authorized employee of the Creditor who has personal knowledge about receipt and distribution of money from the sale of my home. Provide me copy of wire transfer receipt, cancelled check, ACH evidencing that money from XXXX He were received and deposited on the account receivable due from me owned by XXXX XXXXXXXX and its alleged XXXX XXXXXXXX XXXX 

Return me my ORIGINAL Promissory Note, original Mortgage, all original Allognes and original Assignments Provide me a wet-ink signed release of the lien from an authorized employee of the Creditor and a copy of account receivable due from me evidencing that it was closed after the sale to XXXX He on XX/XX/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