Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Attn : XXXX, WELLS FARGO BANK , N.A ., WELLS FARGO HOME MORTGAGE, XXXX XXXX XXXX, XXXX XXXX XXXX PRIVATE LEGAL NOTICE NOTICE OF STATUS, DEMAND FOR LAWFUL VALIDATION, AND NOTICE OF POTENTIAL LIABILITY ] To : Wells Fargo Bank , N.A . 
Wells Fargo Home Mortgage Attn : Legal Department, Executives, and Agents Re : Account # XXXX / Property : XXXX XXXX XXXX, XXXX, FL XXXX CC : XXXX XXXX Foreclosure Attorneys, Court Officers, CFPB From : XXXX, a living man of the XXXX XXXX  XXXX, Executor, and Beneficiary of the Account : XXXX XXXX XXXX Attorney-in-Fact for : XXXX XXXX Florida State XXXX  Unincorporated All Rights Reserved Without Prejudice UCC 1-308 1. DECLARATION OF STATUS AND STANDING Let it be known and recognized that I, Adam, a living, breathing man, am the Agent, Executor, and Beneficiary of the account identified as XXXX XXXX XXXX, a legal fiction. I am not a federal citizen but a peaceful XXXX XXXX, domiciled on the land within the unincorporated State of Florida, and I act under oath and personal knowledge and belief. 

I am an unenfranchised common-law free man and live under common law. I do not consent to corporate statutory jurisdiction when applied to private, peaceful individuals not engaged in commerce or regulated activities requiring licensure. 

All words and declarations in this notice are made by my own will and intent, and I deny all presumptions to the contrary. 

2. NOTICE OF CONTRACTUAL FRAUD AND DEMAND FOR LAWFUL VERIFICATION This serves as a formal notice and demand to Wells Fargo Bank, N.A., its agents, successors, assigns, and counsel : Allegation : You have initiated foreclosure proceedings against the woman XXXX XXXX XXXX XXXX XXXX XXXX XXXX in connection with the property at XXXX XXXX XXXX, XXXX, Florida XXXX and alleged loan account # XXXX, purportedly under the authority of Wells Fargo Home Mortgage and Fannie Mae XXXX 

To date, no lawful validation or proof of claim has been provided in accordance with federal law, including but not limited to : 15 U.S.C. XXXX ( FDCPA Debt Validation ) XXXX Supreme Court : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) You are hereby formally demanded to provide the following lawful and verifiable evidence : XXXX. REQUIRED LAWFUL DISCLOSURES Congressional Authorization : Identify the specific Act of Congress granting Wells Fargo Home Mortgage, Wells Fargo Bank N.A., or Fannie Mae authority to issue residential mortgages to private American civilians domiciled within the several States. 

Note : XXXX XXXX XXXX Act of XXXX, Federal Reserve Act of XXXX, XXXX Act, and XXXX XXXX Act contain no such authorization. 

Proof of Consideration & Collateral Deposit : Under 12 U.S.C. 84, 375 ( a ) - ( b ), and 12 CFR Part 215 ( Reg O ), provide GAAP-compliant ledger entries, FFIEC call reports, FR2046, or any accounting records demonstrating a lawful collateral deposit or consideration for the alleged loan.

Wet Ink Promissory Note : Produce the original, unaltered wet ink promissory note, and identify the legal owner and custodian thereof. Also provide : All certified endorsements, assignments, and transfers Full securitization chain ( if applicable ) All custodial or trustee records of this note 4. WARNING OF FRAUD AND PERSONAL LIABILITY Absent lawful proof of claim as described above, any attempt to proceed with foreclosure or sale constitutes : Fraudulent conveyance Void or ultra vires acts Attempted enforcement of a false or fraudulent instrument, in violation of : 18 U.S.C. 1005 False entries by bank officers 18 U.S.C. 1014 Fraudulent loan documentation As officers of the court, you have personal and professional liability to prevent misrepresentation and fraudulent filings. Proceeding without proper validation exposes all participants to potential bar complaints, civil liability, and criminal referrals.

5. RESERVATION OF RIGHTS By this notice, I and my mother expressly reserve all rights as living men and women under Common Law, the Constitution, and UCC 1-308.

Any prior contracts, licenses, or permissions presumed to waive said rights are hereby rescinded, revoked, and voided for fraud, mistake, and lack of informed consent.

This includes any alleged waivers made inadvertently or under duress by myself or XXXX XXXX XXXX my lawful mother and woman of XXXX. 

6. FINAL NOTICE AND DEADLINE YOU ARE HEREBY GIVEN 14 DAYS from the date of receipt of this Notice to provide full disclosure and verification of the items listed above. 

Failure to respond with lawful validation will be taken as : Admission that no authority exists to enforce this mortgage or foreclosure Acknowledgment that no lawful consideration or deposit ever occurred Agreement that the alleged account and debt are null, void, and unenforceable ab initio Any continued action may result in civil and/or criminal complaints being filed with : CFPB Office of the Comptroller of the Currency ( OCC ) Florida Bar Association Relevant Courts and Law Enforcement With clean hands, in peace and honor, and without prejudice By my hand and seal this day : [ Insert Date ] Signed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Executor, and Beneficiary Attorney-in-Fact for : XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX before XXXX XXXX 
Further affiant saith not. 

NOTICE TO AGENTS IS NOTICE TO PRINCIPALS. NOTICE TO PRINCIPALS IS NOTICE TO AGENTS.

All Rights Reserved Without Prejudice UCC 1-308 / PUR. COL. 2:14

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