Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
NOTICE OF CONDITIONAL ACCEPTANCE AND DEMAND TO CEASE AND DESIST REGARDING UNAUTHORIZED MAIL COMMUNICATION AND MISIDENTIFICATION TO : Wells Fargo Executive Office Wells Fargo Commercial Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SD XXXX UNITED STATES Dear Authorized Representative ( s ) of Wells Fargo , This correspondence serves as a formal Notice of Conditional Acceptance, Affidavit of Status, and Demand to Cease and Desist. It addresses improper mailings, jurisdictional overreach, and misidentification related to correspondence received from your agency. 

FOR THE RECORD On the afternoon of XX/XX/year>, I, XXXX XXXX XXXX, acting only as agent, signed for a XXXX package delivered from your agency. This act does not imply consent, acceptance of contract, or voluntary entry into any commercial relationship. It was done for documentation purposes only and is now officially noticed for the record. 

NOTICE OF DEFICIENCIES Your communications and conduct lack : Proof of lawful jurisdiction subject matter, personal, and territorial Demonstrated authority over the living man Proper identification of me in my correct status Lawful contract or verified agreement binding me to your corporate interests Misaddressing me as a corporate fiction ( i.e., XXXX XXXX, or any similar variation ) is rejected and rebutted in full. This constitutes fraud, misrepresentation, and unauthorized solicitation. 

LAWS & STATUTES INVOKED You are formally put on notice that your current and future actions may constitute : Mail Fraud 18 U.S. Code 1341 Identity Misrepresentation / Constructive Fraud Florida and federal law Unauthorized Use of Legal Fiction UCC 1-103, 1-308 Failure to Establish Jurisdiction Subject Matter, Territorial, Personal Violation of Natural Rights protected under the U.S. Constitution and Common Law TERMS OF CONDITIONAL ACCEPTANCE Future communications will be conditionally accepted only if : I am addressed properly and respectfully as XXXX XXXX XXXX, a living man made in the image of the Creator Your agency produces a notarized affidavit of truth, sworn under penalty of perjury, affirming : That you and your agency comprehend my lawful status as a living man That you understand I do not consent to commercial jurisdiction or corporate misidentification That no contract exists binding me to corporate policy, procedure, or obligation CEASE AND DESIST DEMAND If you fail to comply with these terms, you are hereby ordered to cease and desist from : Sending any further unsolicited communications Attempting to contract with or claim authority over me under corporate fiction Mischaracterizing my legal status Failure to comply may result in claims against your agency and employees, individually and corporately, for damages, fraud, harassment, and civil rights violations. 

RESERVATION OF RIGHTS All natural, constitutional, and legal rights are explicitly reserved by : UCC 1-308 Reservation of rights without prejudice The Constitution for the United States of America The Natural Law and Law of the Land By : XXXX XXXX XXXX Living Man / Authorized Agent Without Prejudice, UCC 1-308 ( s ) 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