Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern at Wells Fargo Home Mortgage For the record I have asked several times that your agency and agents stop harassing me until proving I have any obligation to you which you have failed to do Wells Fargo Home Mortgage continues to ignore my requests to cease and desist, continues to harass me and have no respect for the law I have submitted my own drafted power of attorney and revoked consent of Wells Fargo and Wells Fargo Home Mortgage 's power of attorney over this account under my estate name On the Record I have reserved my rights under UCC1-308 Pursuant 12 U.S.C. 411 All credits and debits must be settled in lawful money I demand full discharge of any obligation in lawful money Public Debt Obligation under 31 U.S.C. 5118 ( a ) ( 2 ) Federal Reserve Act ( 1933 ) : Section 16 mandates that Federal Reserve Notes must be backed by collateral ( promissory notes ), ensuring transparency in lending. 
Failing to disclose the nature and security of these notes violates fiduciary duties and the statutory requirement for full disclosure I request a true bill in writing and notarized under penalty of perjury I do not consent to any of these charges or fees nor for Wells Fargo Home Mortgage to access my bank account I have been harassed deprived of my rights I have notified the Attorney General, filed a FTC complaint report, and now will proceed to contact the Federal Reserve Board of Governors concerning Wells Fargo Home Mortgage and these false claims will be reported and filed under the False Claims Act I demand to be reimbursed for the entirety of the original promissory note of {$140000.00} plus an additional {$60000.00} for this fraud that has been committed against me and violations of my rights. This is my conditional offer before I proceed to notify the enforcing courts and departments. 
Wells Fargo Home Mortgage has provided XXXX evidence that I owe their agency anything nor do I have any obligation to them. 
To resolve this matter without any further debate Wells Fargo Home Mortgage may compensate me for damages and the numerous frauds they have committed against me I demand payment of a sum total of {$200000.00} check or direct deposit Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX or provide proof of claim 1. Validation of the debt that is, actual accounting 2. Verification of Wells Fargo and Wells Fargo Home Mortgage claim against me ; that is, a signed Invoice ( not a statement ) 3. A copy of the Contract binding both parties ( you and an actual living person that represents Wells Fargo Home Mortgage ) with wet ink signatures 4. Full Disclosure 5. Lawful Terms and Conditions ( that are not base on fraud ) 6. The wet ink signatures of both parties ( corporations can not sign because they have no Right or mind to contract since they are soul-less legal fictions ; and furthermore, no third party can sign a contract on their behalf ). 

Due to Wells Fargo Home Mortgage failure to provide the necessary evidence of a lawful debt within the reasonable period of time provided. 
I request a Mortgage satisfaction letter and full discharge confirmation with all associated credit bureaus as well as the full amount of the original promissory note amount of {$140000.00} and an additional {$60000.00} for the inconveniences and frauds committed against me and I agree to put this matter to rest and not continue to contact any more government agencies nor public news reporters concerning this matter.

If Wells Fargo Home Mortgage accepts these terms you may do so my proceeding with the above instructions to do so.

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