Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WELLS FARGO BANK N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XX/XX/year> RE : WELLS FARGO BANK N.A. R E Q U E S T F O R D E B T V A L I D A T I O N P U R S U A N T T O F A I R D E B T C O LL E C T I O N P R A C T I C E S A C T, 1 5 U S C 1 6 0 1, E T S E Q Attention all concerned : This is a Request for Validation of Debt. Please take Notice that XXXX XXXX is not refusing to pay, however, needs the information set forth in this request before he or his Authorized Representative can make an Offer to settle this account. I would like to settle as soon as possible and I may have a counterclaim to set off the disputed balance. With that said, please answer the following questions related to this disputed account and return them to me within Thirty ( 30 ) days ( Plus Three ( 3 ) days for mailing ) of receipt of this request, via the Notary Public named below. In the event you should need more time to answer and validate this disputed debt, the undersigned will grant an additional Ten ( 10 ) days ( Plus Three ( 3 ) days for mailing ) predicated upon your written request for said extension being made prior to the expiration of the allotted time for answering. 1 ) Please provide your name, occupation and title, and mailing address. 2 ) Identify the source of funds in the account that is the subject matter of this mortgage/loan account. 3 ) Produce all records, reports and memoranda relating to the source of funds relating to this disputed account and list all other sources of information such as computer file names, names of databases or locations at which related information is located or accessible, and any identifiers to such information. 4 ) What was the account number of the account in which the funds were held prior to the opening of the account that is the subject matter of this demand for payment of mortgage? 5 ) Who was the owner of each account or, list those individuals having signature rights to each account? 6 ) Identify the account that was debited when the disputed account was created. 7 ) Who was the owner of each account, or list those individuals having signature rights to each account? 8 ) Identify the source of funds that created the disputed account. 9 ) Did the funds for the disputed account originate from another account or lending institution? 10 ) List the names and addresses of all lending institutions from which any funds were purportedly originated. 11 ) Please identify the account number from which the funds originated in order to create the disputed account. 12 ) Admit, or in the alternative, provide evidence to the contrary that no other account was debited when the disputed account was created. 13 ) In the event that you deny that no other account was debited when the disputed account was opened or created, please identify the account that was debited by account number and/or any and all identifiers thereof and the name or names of the debited account 's signer ( s ), holder ( s ) and/or owner ( s ), and explain how the funds for this account were originated. 14 ) In the event that you deny that no other account was debited when the disputed was opened or created, state the total balance of this debited account at the time the debit was made ; and, list the names of the signer ( s ) on the account and the date the account was opened along with the opening balance. 15 ) Admit, or in the alternative, provide evidence to the contrary that CUSTOMER NAME ENS LEGIS / TRUST was the Depositor for the account that is the subject matter of this demand for payment of mortgage. 16 ) Please provide all documents and information, related in any way, to your implication or allegation that a loan was given to CUSTOMER NAME ENS LEGIS / TRUST. 17 ) Which employee of the bank, lending institution ( s ), financing company ( ies ) authorized the transactions? 18 ) If the loan origination system, software or other procedures were used in the opening of the disputed account, please identify the system by name and/or identifier and describe how it works. 19 ) According to the alleged loan agreement, was the purported lender or financial institution ( s ) involved in the alleged loan to use their own money as adequate consideration to purchase the promissory note from the alleged borrower? YES or NO 20 ) According to the bookkeeping entries, did the purported lender or financial institution ( s ) involved in the alleged loan use their own money as adequate consideration to purchase the promissory note from the alleged borrower? YES or NO 21 ) According to the alleged loan agreement, was the purported lender or financial institution ( s ) involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO 22 ) According to the bookkeeping entries, did the purported lender or financial institution ( s ) involved in the alleged loan accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO 23 ) Was the intent of the purported loan agreement that the party that funded the loan should be repaid the money lent? YES or NO 24 ) Did the purported lender or financial institution ( s ) involved in the alleged loan follow Generally Accepted Accounting Principles ( GAAP )? YES or NO 25 ) Were all material facts disclosed in the written agreement? YES or NO 26 ) What was the name and address of any bank auditor or certified public accountant involved with or having any relation to the accounting function regarding the disputed account? 27 ) Identify the name of the records, system of accounting records or ledgers reflecting the transaction for the disputed account. 28 ) Were any loan numbers and identifiers to any loan numbers assigned to the disputed account? YES or NO 29 ) If you answered YES to the above question, please list those account numbers and identifiers to those account numbers. 30 ) Explain how each account was created or originated. 31 ) Explain how the funds for each account were deposited and where they originated. 32 ) Was an account created with the purported loan amount then debited to fund the disputed account? 33 ) Please explain your answer to the above question. 34 ) State the name and address of collector ( assignee ) of the disputed account. 35 ) What are the terms of assignment of the disputed account? You may attach a facsimile, email or otherwise of any records relating to such terms. 36 ) Have any claims been made by any creditor or assignee regarding this account? YES or NO 37 ) Have any insurance or re-insurance claims been made by any creditor or assignee regarding this account? YES or NO 38 ) Has the purported balance of this account been used in any tax deduction claim? YES or NO 39 ) Please list the particular products or services sold by the collector ( assignee ) to the debtor and the dollar amount of each. 40 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response to the undersigned via the below named Notary Public. Upon failure or refusal of collector to validate this collection action, demand for payment on mortgage, collector agrees to waive all claims against the debtor named herein and agrees to pay debtor for all costs and attorney fees involved in exhaustion of administrative remedies and/or defending this action. Please return these completed questions and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim can not be considered if ANY portion of this request for validation of debt is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by law and within the time granted, you will have stipulated that you have failed to state a claim and are stopped pursuant to, but not limited to 15 USC 1692 ( g ) and You ; WELLS FARGO BANK N.A., et al, are giving permission for a lien to be filed against you, final damages to be calculated prior to lien and notice to you by claim of lien and invoice.

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 non-monetary relief