Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Loan number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint to the CFPB Regarding Wells Fargo Mortgage Account Irregularities Complaint ID XXXX Dear Consumer Financial Protection Bureau , I am writing this formal complaint against Wells Fargo regarding my mortgage account with the loan number # XXXX. My name is XXXX XXXX, and my address is XXXX XXXX XXXX, XXXX, LA XXXX. 

I am reaching out to request urgent assistance in obtaining critical documents related to my mortgage contract. I am an aggrieved party, having identified what appears to be mortgage fraud committed by Wells Fargo on my account. I am taking this matter seriously, especially considering the criminal implications under Louisiana Laws, specifically RS 14:71.3 Mortgage fraud. 

Despite multiple requests, Wells Fargo has failed to produce my original mortgage contract, accounting ledgers, and all IRS documents sent to the Internal Revenue Service on my behalf. This lack of cooperation raises concerns about the validity of the debt claimed by Wells Fargo, as outlined in 15 U.S. Code 1692g - Validation of debts.

As a United States Veteran who utilized a Mortgage Certificate of Eligibility, I am particularly troubled by the discrepancies in my mortgage account. I suspect intentional mismanagement of the mortgage terms, leading to incorrect interest and fees charged to my account.

Under Louisiana Revised Statute TITLE 9, I am formally requesting the following documents, each with a clear and conspicuous presentation, and bearing my original wet ink signature : 1. Mortgage contract 2. Promissory note ( endorsed front and back ) 3. My deposit check ( front and back ) 4. Ledger balance record 5. HUD-1 statements with signed documents 6. Checks from my Trust account at Amsouth 7. My downpayment deposit check 8. Mortgage underwriter estimate 9. All Title company underwriters ' documents with included fees 10. Notary names and numbers for document notarization 11. Title insurance certificate 12. Mortgage payment letters ( signed ) 13. Documents explaining my voluntary transfer of security interest and rights 14. All documents signed by the CFO of Wells Fargo 15. A signed statement explaining the refinancing and restarting of my mortgage 16. Every recorded document with the courthouse under 9-523 I request that each copy of these documents be on legal paper, mirroring the format of the original contract. Wells Fargo 's failure to provide these documents has hindered my ability to assess the accuracy of my mortgage terms and raises suspicions of unethical practices. 

I appreciate your prompt attention to this matter and trust that the CFPB will take the necessary steps to ensure a fair resolution. Please inform me of any additional steps I should take to address this issue promptly. 

Sincerely, 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