Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank ( Wells ) does not present any proof of them owning the Dept of VA mortgage loan against my home at XXXX XXXX XXXX XXXX, XXXX nor proof that XXXX XXXX own a debt against my home as XXXX XXXX is not authorized by the US Congress to buy or sell any mortgage loans. Wells who became the mortgage servicer of my loan on XX/XX/XXXX, from its mortgage servicing deal with XXXX  XXXX XXXX  ( XXXX ) dated XX/XX/XXXX, which should have ended on XX/XX/XXXX, when the FDIC declared XXXX a " failed bank '' on that date. XXXX who did assign XXXX XXXX of Fed Gov Backed mortgage to Wells illegally between XX/XX/XXXX and XX/XX/XXXX, by assigning Deed of Trust ( DOT ) without sales of the mortgage loans to protect XXXX XXXX from paying insurance claims when XXXX would fail as they did on XX/XX/XXXX. However, XXXX did not assign the DOT recorded against my home due to the fact that it not valid as it was recorded by the originator of my loan in XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, and sold my loan to XXXX of XX/XX/XXXX, however, the DOT was not delivered and recorded at XXXX XXXX XXXX XXXX XXXX XXXX by XXXX until XX/XX/XXXX, which was 21 days after XXXX sold all interest in the loan, and after 5 days after XXXX used UCC3 procedure to endorse the Mortgage Note in blank and relinquished it to XXXX XXXX as my VA loan had been accepted illegally to XXXX XXXX XXXX XXXX. The loan like other loans Wells has been guilty of XXXX pooling was never qualified for XXXX pooling because it does not have valid titling. XX/XX/XXXX, Wells had the duty to know that the DOT was incorrectly recorded and as XXXX did not as with the other XXXX XXXX transferred loan, did not transferred my loan to Wells as with the other loans. Wells can not provide any proof of ownership of the mortgage loan after XX/XX/XXXX, because as XXXX stopped existing and did not sale my loan and had never called the loan due, would not ever be able to do so after XX/XX/XXXX, the day it stopped existing! Wells would continue to collect payments against the mortgage loan which had no owner and the payments invalidly kept as there would be no owning party in the two party only contract. Wells who sent my issue to the outside law firm XXXX XXXX XXXX who did not handle the XXXX XXXX other XXXX owned Fed Gov Backed Mortgage Loan form XX/XX/XXXX through XX/XX/XXXX, but on XX/XX/XXXX, we got XXXX attorney XXXX XXXX acting as a MERS Assistant Secretary created a fraudulent Assignment of DOT making it appear that Wells purchase my VA mortgage loan debt when in fact that did not happen. Wells is not working for XXXX who does not exist and XXXX did not and can not purchase any mortgage loan debt. Wells does not provide any proof of ownership as the file they have in their possession only show the origination on XX/XX/XXXX and sale to XXXX on XX/XX/XXXX. XXXX said back before the foreclosure on XX/XX/XXXX, that there was an investor for the mortgage loan which in the State of Nebraska under DOT is the owner of the mortgage loan for the purpose of non-judicial procedure. Wells or XXXX don't have the ability for a non-judicial foreclosed because neither one purchased the mortgage loan debt and XXXX stopped existing on XX/XX/XXXX. Now as with the CFPB XX/XX/XXXX Consent Order, the issue of denying victims starting on XX/XX/XXXX, of HAMPs stating that it was bankruptcy rule that gave people the right to have a mortgage modification, when it was TARP that granted the right to have a mortgage modification under that agreement. However, as a US military veteran with a Dept of VA mortgage loan I had the right under TARP to be granted a HAMP or VA XXXX, however like the bankruptcy my application was not handled correctly with caused a denial of the HAMPs which Wells did not process my applicant for as they did not enter the data into the underwriting system. Wells does not provide a purchase agreement because one does not exist after XX/XX/XXXX, and as a party of that contract, I would be entitled to a copy of the contract document. Wells is this XXXX institution who retaliated against me as I made claims of their XXXX abuse of XXXX before the illegal foreclosed on XX/XX/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