Consumer complaint received 2025-01-15 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:
Copy XXXX XXXX XXXX XXXX XXXX XXXX Account Information Sebring, Florida " Loan Number '' # XXXX XXXX XXXX / XXXX Date XXXXXXXX  Wells Fargo Bank , N.A . / Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Release of Equity Dear ( To whom it may concern at Wells Fargo Home Mortgage ) I am writing to formally request the release of equity associated with my account [ insert account number or property address ] with Wells Fargo Bank/Wells Fargo Home Mortgage As you are aware, I have fulfilled all obligations pertaining to my loan contract prior to my knowledge of its fraudulence and have maintained my account in good standing. Under the terms of my loan agreement and in accordance with applicable state and federal laws I am entitled to access the equity that has accrued in my property. 

Under the guidelines set forth in the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Home Equity Loan Consumer Protection Act, I understand, inner stand and comprehend that I have the right to access the equity in my home. 

**Relevant Laws : ** 1. **Real Estate Settlement Procedures Act ( RESPA ) ** - This federal law ensures that consumers are informed about their rights regarding mortgage loans and equitable interest. 
2. **State Equity Release Laws** - [ Insert specific state laws that pertain to equity release, if applicable, such as laws governing home equity loans or lines of credit. ] 3. **Contract Law** - According to the terms outlined in my mortgage agreement, I have the right to request the release of equity once certain conditions are met. 

Given that I have met these conditions, I request that you provide me with the necessary documentation and instructions to facilitate the release of my equity. Please respond to this request within 10 days from the date of this letter. You have failed to respond in a lawful requirement timing to my prior CFPB reports as well as my FTC reports and complaints. 

Failure to respond to this lawful demand may compel me to seek legal remedies to enforce my rights and sue for all compensating damages imposed by the Wells Fargo Home Mortgage agency and agents. 

Thank you for your prompt attention to this matter. I look forward to your response. 

XXXXAll rights reserved w/o prejudice, w/o recourseXXXX Sincerely, XXXX : XXXX the living flesh and blood woman on behalf of XXXX XXXX -- - P.S. 
I have specifically made sure to customize this lawful demand for equity to be released notice to reflect affiants specific situation and the exact laws applicable in your jurisdiction. 
I am aware of the bodies of law that govern this process as well as the administrators in both mine and the state of Iowa, where Wells Fargo Home Mortgage is located. 
All past, present and future documents have been recorded and I possess copies of all correspondence and any supporting documentation related to our communications and request made lawfully by all parties involved Please direct any questions or concerns to my attorney at XXXX I request to be contacted back by the Branch Manager/CFO of your agency Thank You for your time, I look forward to your response

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