Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : CFPB Case No. XXXX Wells Fargo XXXX XXXX. XXXX Dear Consumer Financial Protection Bureau, I am submitting this formal dispute in response to Wells Fargo Bank, XXXX fraudulent claims regarding the alleged foreclosure of my property. Their response is based on misleading information, misrepresentation, and failure to provide legitimate proof of claim. I request an immediate investigation into their deceptive practices and demand that Wells Fargo provide sworn affidavits of truth regarding their assertions. 

Key Points of Dispute : 1. Fraudulent Foreclosure Claim : Wells Fargo claims they foreclosed on my property on XX/XX/XXXX. However, a direct verification with XXXX XXXX recorders office confirms that my trust, XXXX XXXX XXXX XXXX XXXX, is the legal owner of the property by conveyance. 
Wells Fargo has not provided a legal and valid deed transfer, showing their claim is baseless. 
2. Wells Fargo is Not a Party to My Original Loan : The original loan and promissory note were with XXXX XXXX XXXX, LLCnot Wells Fargo. 
The note was securitized and transferred through multiple parties without my consent or agreement. 
Any rights to servicing or ownership must be proved through wet-ink original documentationnot just copies or unverified claims. 
3. Unlawful Use of Another Corporations Documents : Wells Fargo repeatedly uploads documentation from another corporation, XXXX XXXX XXXX XXXXXXXX, which is not proof of their legal right to foreclose. 
These documents do not establish any contract between me and Wells Fargo. 
A servicer can not assume ownership simply by servicing the loan. Wells Fargo must take this up with the depositor in Delaware and not unlawfully claim rights against me. 
4. Failure to Provide Requested Legal Documents : Wells Fargo refuses to provide key financial documents related to the XXXX and XXXX filings that prove the note was securitized as a financial instrument. 
Their refusal to provide these documents contradicts their claim of ownership and control over the debt.

5. Violation of Federal Laws & Consumer Rights : Wells Fargos actions constitute fraud, misrepresentation, and deceptive business practices. 
They have not provided certified proof of debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Their actions violate SEC regulations regarding securitization disclosures. 

Demand for Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to : 1. Force Wells Fargo to provide a sworn affidavit of truth verifying their legal standing and right to foreclose.

2. Compel Wells Fargo to provide the original note with proof of proper assignment, transfer, and legal standing.

3. Investigate Wells Fargos fraudulent foreclosure claims and their use of unrelated corporate documents as a false basis for foreclosure.

4. Remove any negative credit reporting associated with this fraudulent foreclosure action.

5. Hold Wells Fargo accountable for violations of federal financial regulations. 

I request an immediate review of this dispute. Wells Fargos refusal to comply with lawful documentation requests raises serious red flags. I look forward to CFPBs assistance in ensuring that this fraudulent activity is properly addressed. 

Sincerely, 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