Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'CFPB FORMAL COMPLAINT  FOURTH FILING\n\nFiled By: XXXX XXXX XXXXRole: Borrower of Record and Legal Trustee\nTrust Name: XXXX XXXX XXXX XXXX XXXX XXXXCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX) which is on file. \nSubject Property: XXXX XXXX XXXX XXXX XXXX XXXX California [XXXX] (jointly owned with spouse)\nLoan Servicer: Wells Fargo Bank, N.A.\nForeclosure Trustee: XXXX XXXX XXXX Date Scheduled: XXXX XXXX XXXXComplaint Date: XXXX XXXX XXXXCFPB Complaints No: XXXX XXXX XXXX XXXXWells Fargo Complaint No: XXXX XXXX XXXX XXXXFTC Report Number XXXX  OVERVIEW\n\nThis formal complaint  XXXX  fourth against Wells Fargo  arises from an ongoing pattern of deliberate mortgage abuse, foreclosure fraud, trust denial, and federal violations, including actions taken under false default claims and in total silence from the servicer since XXXX XXXX XXXX  includes escalating misconduct by both Wells Fargo and XXXX XXXX XXXX culminating in an attempt to sell XXXX XXXX XXXX  home for XXXX at auction without proper valuation, communication, legal standing, or acknowledgment of trust instruments.\n\n\n\nII. CORE VIOLATIONS\n\nA. Federal Law\n\nTILA (15 U.S.C.  1641)\n- No payoff statement or reinstatement rights provided.\n- No cure options or right to cancel delivered.\n\nRESPA (12 U.S.C.  2605)\n- All written QWRs ignored.\n- No response to trust correspondence or escrow requests.\n- No itemization of charges or servicing changes.\n\nFDCPA (15 U.S.C.  1692e,  1692f)\n- False debt communications to non-borrower spouse.\n- Intimidation via mailed notices and unannounced home visits.\n- Misrepresentation of amounts and status.\n\nDodd-Frank UDAAP (12 U.S.C.  5536)\n- Unfair: exploiting holidays to sneak in inspections.\n- Deceptive: mailing to old address deliberately.\n- Abusive: foreclosure launched without standing or servicing contact.\n\nMail Fraud (18 U.S.C.  1341)\n- Trustee Sale notice mailed XXXX XXXX   8 days after issuance  to old address knowingly, despite prior use of new address (XXXX XXXX).\n- This delay materially impaired due process and legal notice rightsXXXX (18 U.S.C.  1962)\n- Pattern of fraud: false filings, fake default claims, mail manipulation, trust erasure, constructive theft.\n\n\n\nB. California Law\n\nCalifornia Civil Code  2923.5,  2924g,  2923.7\n- No SPOC (single point of contact).\n- Dual tracking: foreclosure initiated amid insurance transition.\n- No valid declaration of compliance with homeowner notice laws.\n\nBusiness & Professions Code  17200 (Unfair Competition Law)\n- Pattern of unfair business conduct, systemic trust rejection, and deceptive practices.\n\nCivil Trespass / Harassment\n- Unannounced visits XXXX XXXX and XXXX XXXX, timed before/after XXXX  to catch occupants away  clear bad faith.\n- Gate denied access both times.\n\nConstructive Fraud / Equity Theft\n- False valuation of home at XXXX to trigger undervalued trustee sale.\n- Real market value appraised at XXXX XXXX by insurers agent XXXX XXXXC. Trust and Contract Law\n\nBreach of Contract\n- XXXX XXXX XXXX/ Wells Fargo stated taxes and Insurance were borrowers responsibility (XXXX XXXX)  then paid them without consent on XXXX XXXX XXXX  and used that as trigger to unpause and foreclose.\n\nTrust Law Violations\n- Trust filings since XXXX, including UCC and Certification of Trust documents, have been completely ignored.\n\nBad Faith Servicing\n- No communications since XXXX XXXX XXXX, despite active dispute, modification negotiations, and formal correspondence.\n- Loan is being treated as defaulted while correspondence is ignored  clear bad faith.\n\n\n\nIII. KEY TIMELINE\nDate\tEvent\n- XXXX XXXX XXXX All communications from borrower and spouse ignored; no servicing contact since this date.\n- XXXX XXXXThree CFPB complaints filed; XXXX  compliance, escalating violations.\nXXXX XXXX XXXX XXXX  WF Transfers the alleged Debt to Aldridge Pite LLP exactly 1 day after they receive the Rebuttal Notice (Certified Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ WF states that the Insurance and Tax payments are the Borrowers obligation. XXXX XXXX XXXX Foreclosure Paused.\n- XXXX XXXX XXXX XXXX XXXX XXXX published internationally with XXXX  and XXXXXXXX XXXX XXXX XXXX  We Changed Mailing Address to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX WF email stating they want the Home Insurance Policy. Same day: Trustee Sale Notice drafted.\nXXXX XXXX XXXX XXXX WF makes Property Tax Payment despite stating earlier that it was borrowers obligation. XXXX XXXX XXXX XXXX Trustee Sale Notice mailed  8 days later  to old address, despite prior XXXX XXXX XXXX XXXX XXXX First unannounced visit by field agent. Entry denied by security. Holiday XXXX XXXX XXXX XXXX Second unannounced visit. Woman claims XXXX XXXX affiliation. No foreclosure transfer existsXXXX XXXX XXXXSale notice finally received by XXXX   proving deliberate delay and address tamperingXXXX XXXX XXXX XXXX VIOLATIONS\n\nNotices Sent (No Replies Ever Received)\nDate Sent\tTitle of Document\tTracking NoXXXX XXXX XXXXFormal Dispute oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtOn Behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXCopyright NoticXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCopyright NoticXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has committed the following:\n- Failure to respond to legal notices\n- Attempted foreclosure against a non-obligor spouse\n- False representation and third-party disclosure under FDCPA\n- Operating as trustee without honoring rebuttals, trusts, or lawful abatement claims\n\n\n\nV. DEMANDS FOR CFPB, FTC, & DOJ ACTION 1. Immediate cancellation of Trustee Sale (XXXX XXXX XXXXXXXX2. Forensic audit of servicing history, accounting, escrow, and tax/insurance disbursements since XXXX. Full cease and desist order against Wells Fargo & XXXX  XXXX  from engaging in foreclosure without resolving these matters\n4. Investigation under Dodd-Frank, RESPA, and FDCPA for trust denial, fraud, and predatory behavior\n5. Enforcement action by California AG and FTC based on repeat patterns\n6. Punitive damages and servicing transfer to neutral entity\n7. Formal recognition of Jennah as trustee, not individual borrower\n8. Binding acknowledgment of all rebuttals, copyright notices, and tribal standing documentation\n\n\n\nVI. FINAL NOTES\n\nThe Complainant has operated in trustee capacity at all times. Payments since XXXX  were made from trust and holding company accounts. No communication was made as an individual borrower. CFPB Complaints XXXX XXXX XXXX XXXX document escalating violations and contradictions.\n\nThis fourth complaint logs a new phase: full foreclosure sabotage, trust suppression, and attempted equity theft.\n\nWells Fargo has demonstrated malicious coordination and deliberate timing of violations. This is now a matter of constitutional, tribal, federal, and international notice.\n\nAll rights reserved. All filings logged.\n\nFiled:XXXX XXXX XXXX XXXX XXXXTrustee and Borrower of Record\nWith reservation of rights under UCC1-308 and tribal jurisdiction.'

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