Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
NOTICE TO CURE & INTENT TO SUE Filed for Record through CFPB and HUD/FHA XXXX XXXX XXXX XXXX XXXX XXXX Agent/Beneficiary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCC-1 Perfected Property : XXXX XXXX XXXX XXXX XXXX  FHA Case No . : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Servicer ) Wells Fargo Bank , N.A . ( Trustee, and as Plaintiffs main banking institution ) XXXX XXXX XXXX XXXX ( Original Lender of Record ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Successors, Assigns, Counsel, and Affiliates Date : XX/XX/XXXXXXXX XXXX INTRODUCTION This serves as formal Notice to Cure and Intent to Sue. It is being transmitted through CFPB to ensure indisputable delivery to all listed Defendants. This record eliminates any claim of non-receipt. 

I stand not as a mere borrower, but as the Private Secured Party Creditor and UCC-1 perfected filer holding priority interest in the above-referenced property. By law and equity, my perfected claim supersedes the Defendants unperfected and fraudulent claims. 


Defendants ongoing misconduct, bad-faith practices, and coordinated fraud have caused irreparable harm, including unlawful foreclosure threats, false credit reporting, emotional distress, and financial instability. 

II. FACTUAL BASIS OF FRAUD & MISCONDUCT Broken Chain of Title : My Note was securitized into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
No Assignment of Deed of Trust exists in XXXX XXXX XXXX records. 
Defendants claim enforcement rights without standing. 

UCC-1 Perfection : I filed a UCC-1 Financing Statement asserting secured creditor status over this property. 
Defendants failed to record or perfect their own security interests. 
My perfected interest renders their claims void and subordinate. 

Admissions of Servicer Misconduct ( XXXX XXXX XXXX XXXX XXXX  ) : Foreclosure initiated during active forbearance. 
Misapplied XX/XX/XXXX payment to XX/XX/XXXX. 
Cashed post-dated check after stating it would not. 
Demanded lump-sum repayment of deferred months. 
Refused to produce originals, only copies. 
False Credit Reporting : Reported XXXX day lates in early XXXX despite over {$8000.00} deposited. 
Credit score reduced significantly, causing financial harm. 

Insurance Manipulation : Threatened lapses and coerced insurance changes during protected periods. 
Wells Fargos Conflict of Interest : Acting as Trustee for securitized trust while simultaneously serving as Plaintiffs primary bank. 
With access to my finances, Wells Fargo had inside leverage to monitor, restrict, or exploit my accounts. 
Such dual roles amplify bad faith and breach of fiduciary obligations. 

III. HARM & DAMAGES Emotional Distress : Anxiety, sleeplessness, and loss of peace caused by unlawful threats of foreclosure, fabricated defaults, and reckless credit reporting.

Financial Harm : Credit score suppression limiting my access to credit, housing, and resources.

Reputational Harm : False derogatory reporting undermining trustworthiness in the marketplace.

Equitable Harm : Clouded title and ongoing uncertainty over ownership despite my perfected UCC-1 interest. 

IV. VIOLATIONS OF LAW Mortgage Fraud ( Maryland Mortgage Fraud Protection Act ). 
Maryland Consumer Protection Act & Debt Collection Act.

Federal RESPA/Reg X Dual tracking, insurance, error resolution failures. 
Federal TILA/Reg Z Concealment of creditor/ownership.

Federal FCRA False derogatory credit reporting.

Uniform Commercial Code Defendants failure to perfect their interests ; Plaintiffs perfected priority lien.

V. CURE & SETTLEMENT DEMAND Within 5 calendar days of receipt, Defendants must : Execute and record Full Reconveyance / Release of Deed of Trust.

Deliver quiet title and paid in full confirmation.

Pay {>= $1,000,000} ( negotiable ) for fraud, distress, damages, and costs.

Correct all credit bureau records ( deletion of derogatoriness, {$0.00} balance ).

Provide certified GAAP-compliant ledgers, full note/allonge/assignment history, and call recordings. 
Indemnify Plaintiff against all future claims.

Failure to cure within the timeframe will result in immediate litigation and regulator escalation, including CFPB, HUD/FHA , FTC, and the Maryland Attorney General. 

VI. PRESERVATION NOTICE You are hereby placed on notice to preserve all documents, XXXX, assignments, communications, call recordings, servicing logs, investor reports, custodial receipts, and any record related to this loan and trust. 

VII. CONCLUSION Defendants have no lawful standing. Their actions constitute fraud, abuse, and deception. Plaintiff stands as Secured Party Creditor with a perfected UCC-1. Equity abhors forfeiture, and fraud vitiates all contracts.

This is the final opportunity to resolve privately. 

Sincerely, /s/ XXXX : XXXX XXXX XXXX, without prejudice UCC 1-308 Agent/Beneficiary, XXXX XXXX XXXX XXXX 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