Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This submission is a correction and response to Wells Fargos XX/XX/XXXX letter issued through XXXX XXXX That XX/XX/XXXX response did not resolve my complaint and did not address the actual document-specific issues I raised. My complaint remains unresolved, and I request executive-level review, including review by or through the office of Wells Fargo CEO XXXX XXXX XXXX XXXX My complaint is not a vague servicing complaint. It is a document-specific dispute involving written authority, contradictory lender/servicer/investor representations, challenged bankruptcy-related filings, transfer-of-servicing issues, denial of loss-mitigation information, and discrimination concerns. My XX/XX/XXXX written demand requested written authority for bankruptcy proofs of claim and for the servicing transfer to XXXX XXXX effective XX/XX/XXXX. Those requests have not been answered in substance. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX responses state that XXXX XXXX XXXXXXXX is the investor and that Wells Fargo was the servicer, but those letters do not identify the written authority under which Wells Fargo acted in XXXX XXXX XXXXXXXX name or explain the document trail supporting those actions. Those responses do not resolve the issues I raised, and XXXX XXXX XX/XX/XXXX letter likewise failed to address those central issues. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Further, an insurance document dated XX/XX/XXXX identifies Wells Fargo Bank , N.A . as the Named Insured Mortgagee/Lender, which directly contradicts any attempt to reduce Wells Fargos role to only the servicer without further explanation. Wells Fargo must explain in writing what legal, servicing, lender, mortgagee, or agency capacity it claimed at that time and what documents support that position. Insurance Document Shows Wells Fargo as Wells Fargo transferred or offloaded servicing of this mortgage account to XXXX XXXX effective XX/XX/XXXX while active disputes remained unresolved, including disputes regarding written authority, chain of title, contradictory role descriptions, challenged filings, and loss-mitigation handling. The transfer did not erase Wells Fargos responsibility for its own prior servicing conduct, and XXXX should not be permitted to treat the transfer as a reset where disputed defects and unresolved complaints were already on notice. I specifically dispute Wells Fargos servicing conduct on this account during the period Wells Fargo serviced, administered, documented, or acted on this loan, including the period from XXXX through XX/XX/XXXX to the extent Wells Fargo claims authority or involvement during that time. I contend that Wells Fargo has failed to provide a competent and document-specific response to disputes concerning chain of title, transfer history, authority to act, and the basis for statements made in bankruptcy-related filings and other records. I also dispute the integrity and completeness of the asserted chain of title and loan history. I contend there are disputed defects, irregularities, contradictions, and possible void or unauthorized documents affecting the refinance, assignment, transfer, servicing history, or related foreclosure authority connected to this mortgage account. I also dispute any substitution of trustee or similar foreclosure-related act that was not supported by valid written authority from the true beneficiary, investor, or legally authorized principal. I further contend that Wells Fargo and/or persons acting in Wells Fargos chain of authority participated in or relied on challenged proofs of claim and related filings that identified XXXX XXXX XXXXXXXX as current creditor without providing the written authority and supporting records I requested. My complaint is not about demanding an original note. It is about demanding the specific written authority and transfer records used to justify actions taken in this account. I also allege that Wells Fargos handling of my requests for mortgage assistance, complaint escalation, and written explanations raises serious concerns of discrimination in mortgage servicing and home-loan modification assistance because of ethnicity and/or national origin. My complaint is directed specifically at Wells Fargo and at XXXX XXXX handling of this matter. I do not believe XXXX XXXX treated my concerns fairly, neutrally, or seriously. I contend I was denied fair and equal consideration, denied meaningful explanation, and denied a competent review process in a manner that supports an inference of disparate treatment and/or discriminatory servicing. If Wells Fargo denies discriminatory treatment, then Wells Fargo should be required to provide a specific written explanation of the legitimate non-discriminatory reasons for each challenged action or omission, identify the decisionmakers, and state whether any fair housing, fair lending, or internal discrimination review was performed. Wells Fargo should also preserve and review all call logs, complaint notes, escalation records, account notes, internal communications, and servicing review materials relating to my complaints and treatment. I also dispute Wells Fargos denial of loan payment assistance or other loss-mitigation relief without providing proper written explanation, fair review, and appeal-related information. Wells Fargo should be required to identify every assistance option reviewed, the date of each review, the reason each option was denied or not offered, the persons involved in the decision, and whether any appeal right existed and, if so, when and how it was communicated. I request that Wells Fargo be required to provide a specific written response addressing each of the following : all written authority for Wells Fargo to act on this loan in any servicing, lender, mortgagee, agent, or authorized representative capacity ; all written authority for any proof of claim or filing naming XXXX XXXX XXXX as creditor, investor, or principal ; all records supporting the servicing transfer to XXXX effective XX/XX/XXXX, including what disputes and exception items were transferred with the account ; a full explanation reconciling Wells Fargos designation as Named Insured Mortgagee/Lender on the XX/XX/XXXX insurance document with any statement that Wells Fargo was only a servicer ; Insurance Document Shows Wells Fargo as all records sufficient to show the chain of title, transfer history, servicing history, and authority Wells Fargo relied upon from XXXX through XX/XX/XXXX ; all loss-mitigation acknowledgments, denials, appeal notices, internal review records, and decision records ; and a written response to my discrimination complaint, including whether any fair housing or fair lending review was performed and who conducted it. I also request escalation away from XXXX XXXX and review by a higher-level executive complaint specialist with authority to address servicing authority, transfer issues, bankruptcy-related authority, loss-mitigation handling, and discrimination concerns. Because the XX/XX/XXXX XXXX XXXX response did not address the actual substance of my complaint, I specifically request executive-level review through Wells Fargos senior complaint structure, including review by or through the office of XXXX XXXX XXXX XXXX XXXX Please place in the CFPB record that I do not accept any generic response stating only that Wells Fargo was the servicer, that another company now services the loan, or that I should direct all questions elsewhere. Such statements do not answer the document-specific questions raised, do not resolve the contradictions in the record, and do not address Wells Fargos conduct during the time it serviced or acted on this account. * * * My complaint is not resolved * * *

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