Consumer complaint received 2025-09-10 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:
FOR THE RECORD and FOR EVIDENTIARY PURPOSES Filing # XXXX E-Filed XX/XX/year>XXXX  WELLS FARGO BANK , N.A . 
Case No # XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX Attn : XXXX XXXX XXXX FOR XXXX XXXX Date : XX/XX/year> AFFIDAVIT OF TRUTH / DECLARATION I, XXXX, a natural living person, declare under penalty of perjury under the laws of the United States of America and the State of Florida, that the following statements, facts, and assertions are based on first-hand knowledge, belief, and understanding, and are true, correct, and not misleading to the best of my knowledge. This document is made in good faith and without intent to deceive. 

I make this declaration freely and voluntarily, without coercion, and I am competent to make this Affidavit. 

CEASE AND DESIST NOTICE Formal Demand for Lawful Disclosure, Point-by-Point Responses, and Proof of Authority TO XXXX XXXX XXXX XXXX Wells Fargo Bank , N.A . 


XXXX XXXX XXXX, XXXX. 
Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Alternate Address ( if required ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX. CEASE AND DESIST ORDER You are hereby formally ordered to CEASE AND DESIST from any further legal or administrative actions, misrepresentations, or omissions until all previously submitted lawful questions and demands for documentation are addressed in full, on a point-by-point basis, and in writing. 

To date, the failure to respond constitutes a willful violation of my rights protected under : Florida Constitution Article I, Section 2 ( Basic Rights ) Florida Constitution Article I, Section 9 ( Due Process ) Florida Constitution Article I, Section 21 ( Access to Courts ) Florida Statutes Chapter 501 FDUTPA Florida Statutes 655.032 and 655.059 ( Banking Accountability ) Federal Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) You are hereby given 10 business days from receipt of this Notice to provide a full and complete point-by-point written response to the questions and requests previously submitted to you or your agents. 

2. DEMAND FOR FOREIGN AGENT REGISTRATION ACT ( FARA ) COMPLIANCE Pursuant to 22 U.S.C. 611 et seq., the Foreign Agents Registration Act ( FARA ) requires registration with the U.S. Department of Justice for any individuals or firms acting under the control, direction, or funding of a foreign principal. 

Therefore, I demand that you provide : Proof that you and/or your firm are not acting as an agent of any foreign principal, foreign trust, international financial institution, or foreign creditor ; If you are acting as such an agent, then provide proof of registration as required by law ; Disclosure of any international interests involved in the alleged claims or foreclosure actions.

If no such foreign principal is involved, please provide an affirmative sworn declaration to that effect. 

3. NOTICE OF POTENTIAL LEGAL ACTION If you fail to comply with the above demands, you may be subject to : Complaints filed with the Florida Bar, Florida Attorney General, and Consumer Financial Protection Bureau ( CFPB ) ; Civil litigation under FDUTPA, FDCPA, or related consumer protection laws ; Motions to dismiss or strike any legal proceedings due to lack of standing, failure to state a claim, or fraud upon the court.

4. RESERVATION OF RIGHTS I expressly reserve all rights, remedies, and defenses under : The Florida Constitution The United States Constitution State and federal law Uniform Commercial Code ( UCC ) Common law and equity This Notice is not and shall not be construed as a waiver of any rights.

YOU ARE HEREBY PUT ON LEGAL NOTICE. 

Any further action taken by you or your agents without full compliance with this notice may be interpreted as willful misconduct, dishonor, or misrepresentation under law.

Respectfully, XXXX the living man agent, beneficiary and legal representative on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX day of XXXXXXXX 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