Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Declaration OF INFORMATION AND BELIEF REGARDING TRUSTEE STATUS, BANKING FRAUD, AND NON-DISCLOSURE Property Address : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Assessors Parcel Number ( APN ) : XXXX Financial Institution : Wells Fargo Bank , N.A . THE ABOVE PROPERTY WAS SOLD IN XXXX IF XXXX. Estimated Loss : $ XXXX ( Account Fraud and Unauthorized Closure ) And possible other financial treats that were connected the the deed. XXXX. DECLARATION OF CAPACITY BASED ON SECURITY INSTRUMENT I, XXXX submit this declaration based on my recent review of the XXXX XXXX recorded against the above-referenced property. This document states that the " Borrower is lawfully seised of the estate hereby conveyed '' and " warrants and will defend generally the title to the Property against all claims and demands. '' Based on these uniform covenants, it appears to me that I am the rightful Successor Trustee and XXXX XXXX XXXX, as I am the only party currently acting to defend the {>= $1,000,000} estate. 2. STATEMENT OF DISPLACEMENT AND DURESS I believe that for approximately 15 years, I was subjected to systemic torture, cyber-stalking, and " cyber jail, '' resulting in my forced homelessness and exhaustion. It seems to me that this environment was intentionally created to prevent me from realizing my legal standing. I think my family utilized my identity in an " interchangeable '' manner during this time to conduct business with third parties, including XXXX XXXX ( XXXX XXXX ) and other individuals, regarding an actual deed of trust. 3. WELLS FARGOS FAILURE TO DISCLOSE AND ACCOUNT FRAUD Based on my information and belief, Wells Fargo-committed the following breaches of duty : Failure to Disclose : Wells Fargo failed to disclose to me my position as a Successor in Interest and Beneficiary while I was displaced and vulnerable. The {$200000.00} Fraud : It looks to me as though a fraud of approximately {$200000.00} occurred in my accounts during my homelessness. I believe the bank failed to provide the mandated redress or refund required by federal law. Unauthorized Account Closure : I think Wells Fargo closed my bank accounts while I was homeless, effectively cutting off my access to my money, and the " sheer facts '' of my estate. MERS Irregularities : I believe the bank relied on the MERS system to obscure the " Clean Chain of Title, '' allowing unauthorized family members to represent my interests. 4. INTENT TO FILE CLAIMS FOR REDRESS I am filing this affidavit to support a formal claim with the CFPB, the OCC, and Wells Fargos legal department. I believe the banks failure to recognize my successor status facilitated the theft of my assets. I think the closure of my accounts was a maneuver to hide the " interchangeable '' use of my title by my family and their business associates. I am now acting to fulfill my covenant to defend the title and recover all defrauded funds. VERIFICATION I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct to the best of my current knowledge, information, and belief. Executed this ____ day of XXXX, XXXX, in XXXX XXXX XXXX XXXX California. 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