Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
this letter is a response to a letter from well fargo/XXXX XXXX reference id complaint number : XXXX. [ XXXX XXXX XXXX ] your refusal to answer our request for proof of ownership of the alleged loan raises some serious issues about the legality of this motion of foreclosure. 
the purpose of a foreclosure is to pay back a debt to the lender that own the account ledger with all related transactions. 
in your motion you never proved that the you are the lender or you represent such entities. 
we will request once more that you come forward and submit the proof that legalize your action of foreclosure. 
we will request from CfPB THEIR INVOLVEMENT IN TO THE CASE ; FRAUD AGAINST CONSUMER AND WRONGFUL FORECLOSURE AND BAID FAITH LITIGATION, we will subpoena the records of the alleged people involved in this motion : the affidavit of XXXX XXXX XXXX her claims of have personal knowledge of the alleged loan account are not supported by any verify documents that support any legality of what she is claiming ; she is claiming is the vice president of loan documentation for well fargo ...

not stating when she started the alleged job and when the first payment was made in the account to well fargo ... not doing so raise some issues how familiar she was with the account and how much personal knowledge she had of the loan account ' no statements of facts in the affidavit. 
she is stating she is fully familiar with wells fargo dealing with XXXX XXXX and the respective account, the books and records are ; 1 made with the regular course of wells fargo business and it was the regular course of business for wells fargo [ regular course of business for wells fargo/ ] is she referring to the billions dollars fine that well fargo paid for alleging involved in fraud and wrongful foreclosure .... yes that's a regular business for wells fargo ... ... ... ... fraud and wrongful foreclosures. 
never in her affidavit she showing the account in a ledger with the respective transactions ; and never showing any proof of any personal knowledge of the loan account .... 
we will request all records regarding the loan account transactions and related sources of destinations of the payments ... .she not mention were my payments were redirected proof of wires checks etc.. 
also will ask for the details of the affirmation of XXXXXXXX XXXX supporting the allegations of XXXX XXXX. 
he is stating that is a lawyer for the same firm bringing the foreclosure and course supporting every they saying ... .is stating that 3 residential foreclosure settlement conferences were held on XXXX XXXX, XXXX XXXX, XXXX XXXX in an attempt to reach a mutually agreeable resolution ... ... ... WE NEVER ATTEND OR ASKED TO ATTEND ANY CONFERENCES IN XXXX XXXX, XX/XX/XXXX AND XX/XX/XXXX THIS IS THE REGULAR CURSE OF BUSINESS OF WELLS FARGO THE XXXX WAS REFERRING TO.. LYING.. 
WE WILL REQUEST THE PROOF OF ATTENDANCE TO SUCH CONFERENCES ... 
HE STATING THAT BACAUSE ITS THE LAW IN NY THAT YOU CAN NOT FILE A FORECLOSURE MOTION IF YOU DONT MEET FACE TO FACE WITH THE DEFENTANTS. 
is also mention about a modification that was denied ... i already submit the reasons with real documents why we got deny ..let refresh the memory of mr XXXX 1 we did make enough to qualify [ first attempt ] 2 we made too much money and we showing that we can pay the regular payment [ second attempt ] 3 AT LAST.. THE REASONG WHY WE DID NO QUALIFY WAS BECAUSE OF TOO MUCH EQUITY IN TE HOUSE [ DID NOT WAS A CRIME TO HAVE EQUITY IN THE HOUSE ] I HAVE A LETTER FROM WELL FARGO TO PROVE. 
and also we will request records for XXXX XXXX been a part of the scheme. 
nowhere in the thousands pages lawsuit is showing proof of ownership of the debt ..account ledger with related activities. 
will request from the CFPB TO GET INVOLVED..make sure the foreclosure action is supported with real documents and with statements of facts. 
all documents from the SEC WEBSITE ARE CREATED FROM THE INVESTEMENTS BANKS AND LEGAL NULLITY, NOT CERTIFY NY ANY LEGAL AUTHORITY. 
AND XXXX XXXX FORGET TO ANSWER MY QUESTION ... WHY AFTER 3 YEARS OF PAYMENTS THE PRINCIPAL AMOUNT OF THE ALLEGED MODIFICATION WAS MORE THEN XXXX THE ORIGINAL AMOUNT THANK YOU

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