Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Request for Debt Validation and Proof of Claim Regarding Loan XXXX XXXX Dear Wells Fargo Mortgage Servicing Department , I am writing to formally request a debt validation and proof of claim regarding the mortgage loan referenced above, which was allegedly assigned to Wells Fargo Bank , N.A . from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This request is made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) Articles 3 and 9, which govern negotiable instruments and secured transactions. 

Request for Debt Validation & Proof of Claim I request that Wells Fargo Bank , N.A . provide the following : 1. Original, Wet-Ink Promissory Note : Produce the original wet-ink promissory note that contains my original signature and any legally binding endorsements. 
If you can not produce the original, provide an affidavit from the lawful holder in due course affirming ownership and control of the note. 
2. Proper Chain of Title and Assignment Documents : Provide certified copies of all assignments, transfers, and endorsements related to the note, including but not limited to : XXXX XXXX transferring the note from XXXX XXXX XXXX XXXX XXXX to Wells Fargo Bank , N.A . 
Any additional transfers to other financial entities or securitization trusts. 
3. Proof that Wells Fargo is the Lawful Holder in Due Course : If the note has been securitized or placed into a mortgage-backed security ( MBS ), provide the trust name, CUSIP number, and SEC filings XXXX XXXX XXXX XXXX XXXX  ) that show the notes ownership. 
If Wells Fargo is merely a servicer, provide the name of the true creditor and noteholder. 
4. Payment and Accounting History : A full ledger of all debits, credits, payments, and redisbursements related to this loan. 
Documentation showing whether any payments were made by third parties ( insurance, bond claims, etc. ) on my behalf. 
5. Evidence of Validity of Debt : Proof that this debt was lawfully created, not satisfied, and remains enforceable. 
Evidence that Wells Fargo has the legal standing to enforce this mortgage debt. 

Legal Basis for This Request Under 15 U.S.C. 1692g, I have the right to request verification of this debt and confirmation that Wells Fargo Bank , N.A . is the legal holder in due course. If you fail to provide adequate validation, you may be in violation of federal and state consumer protection laws.

Furthermore, under the Uniform Commercial Code ( UCC ) Article 3, Section 501, a person attempting to enforce a negotiable instrument ( i.e., a mortgage note ) must produce the original note or a valid proof of transfer with clear chain of custody. If Wells Fargo can not demonstrate lawful ownership, I may have grounds to challenge its right to enforce the debt.

Response Deadline I expect a formal written response within 10 business days from the date of this letter. Failure to provide the requested documents will be regarded as an admission that Wells Fargo Bank , N.A . does not have the legal authority to collect on this alleged debt or enforce the mortgage lien.

If I do not receive satisfactory documentation, I may escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) The Securities and Exchange Commission ( SEC ), if securitization is involved The Federal Trade Commission ( FTC ) Conclusion This request is made in good faith, and I expect Wells Fargo Bank , N.A . to provide the requested documents in compliance with federal and UCC regulations. Please respond via certified mail to the address above or electronically to XXXX. 

If you require any additional information, I can be reached at ( XXXX ) XXXX. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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