Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am asking explicit questions and demanding clear and concise answers 1. Why werent Federal Regulations obeyed prior to foreclosing? According to Document 24 CFR 203.604 which states on the Note that I signed with XXXX XXXX XXXX  Company dated XX/XX/XXXX reads as follows : This Note does not authorize acceleration when not permitted by HUD regulations. As used in the Note, Secretary means the Secretary of Housing and Urban Development or his or her designee. 

Wells Fargo responded that it does not need authorization from HUD to accelerate foreclosure. Problem! Prove it! 

2. What does that mean to the borrower who signed a contractual agreement apparently under false pretense? Thats a serious disclosure problem! 

Are Federal Laws written and legislated for decoration only giving the servicer the right to take advantage of the borrower? Thats a question and I want an answer. 

3. Why servicer did not prove standing proving that the Note was owned by the bank? Thats a question and I want an answer. 

4. Did XXXX XXXX XXXX work as an employee for Wells Fargo throughout the foreclosure process of my mortgage? Thats a question and I want an answer. 
In the Certification of Diligent Inquiry XXXX XXXX XXXX certifies that Wells Fargo Bank , N.A . directly or through an agent has possession of the promissory note. 
Proof was requested of the employee and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . 
This individual can not be found on the Lexis Diligence site. 
Robo Signing is illegal!!!!!! 

XXXX. Requesting proof of the travel of the promissory note citing Bank of New York Mellon v Davis Superior Court of New Jersey Appellate Division, XX/XX/XXXX Docket No. A-1006-16T1, unpublished. 

6. Requesting information on why there are two endorsements of the Note to Wells Fargo? 

The Assignment of the Note to Wells Fargo clearly states that Mortgage Electronic Registration Systems , Inc. ( MERS ) is the nominee. The role of Nominee is in a limited capacity. However, MERS can not act in any capacity in the State of New Jersey except as a recording agency. This fact is confirmed by XXXX XXXX, Licensing Supervisor in the Department of Banking and Insurance ( DOBI ) in response to third party OPRA request. Pursuant to their own guideline, MERS does not fund loans, therefore they do not have the legal right to assign or transfer anything, nor can they discharge or foreclose ; In this regard, MERS must prove consideration for this Assignment to be valid. As this Assignment is a recorded document, Inst # XXXX N.J.S.A. 2C : 28-7a Tampering with Public Records applies , New Jersey Supreme Court Cases addressing this Statue are In Re Gross, 178 N.J. 377 D-20 XX/XX/XXXX and In Re Stier ; 108 N.J. 455D-104 XX/XX/XXXX The assignment indicates an address for XXXX XXXX Mortgage Company at XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. However, this is the address of MERS. XXXX XXXX Mortgage Company did not have an office in Michigan. 

Fraud vitiates all Judgements citing the United States Supreme Court XXXX XXXX Freight Sys v. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX. I received XXXX XXXX XXXX or XXXX of Secured Property. Fair market value of property was {$140000.00}. Balance of principal outstanding shown as {$130000.00}. Where is {$9300.00}?????? 

XXXX. Why would Wells Fargo seemingly bribe the justice system, a judge in particular to rule in its favor on fraudulent foreclosures, knowing its business principles are as crooked as XXXX XXXX XXXX? 


XXXX. The enticement of partnering with the justice system was captured by inviting a judge ( XXXX ) to rule favorably for Wells Fargo in fraudulent foreclosures and sealed in a relationship through unearned XXXX XXXX XXXX Account. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New Jersey. 

Again, please provide specific answers to each question with supporting valid documentation.

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