Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent WELLS FARGO/ many requests to verify and validate. 
I specifically sent them a letter that said not to contact us again until answering each and every question to verify and prove that a contract and or debt did in fact exist beween them an I and to cease and desist from all further communication until they provide the lawfully requested information. here is what i sent in the original letter " A living being can not enter into a contract with a dead corporate entity but one who is acting as a dead legal fiction can which applies to both sides of this equation XXXX for the record XXXX XXXX XXXXXXXX XXXX any assumption/presumption with an affidavit of truth and makes it known for the record that she is in fact a living flesh and blood woman/natural person and not a corporation/ens legis/legal fiction. 
Fact : A mortgage is a pledge of security for the loan but in order for the loan, the money has to first have been lent. As the mortgage is predicated on the promissory note and the note relies on the parties fulfilling their fiduciary obligations. 



WELLS FARGO continues to deny being creditor/fiduciary and has failed to provide properly proof of ownership, wet ink signed contract / alodial title nor proof of any transaction that there was any physical money exchanged in the negotiant Is it true WELLS FARGO is a corporation /legal fiction? 
Is it true that WELLS FARGO has provided contract proving transaction history on the original promissory note? 
How does WELLSFARGO insure its securities? 
Who is the original creditor and who is the fiduciary? 
Whose name is on the original promissory note and is that name a living flesh and blood person or a legal fiction/ corporation? 
A secured transaction is an arrangements in which a buyer or borrower ) referred to as the debtor ) guarantees payment of an obligation by granting a security interest. 


Please provide the agency that WELLSFARGO is bonded by? 
Who and what insures WELLS FARGO as a financial instution? 
Does WELLSFARGO participate in T.I.L.A.? 
Can WELLS FARGO provide the original contract with the creditor with wet ink signatures of both or all three parties? 
Is this a retail installement contract or a consumer credit contract? 
Who is the original creditor? 
Does WELLSFARGO know that Pursuant Title 15 Section 78ff because WELLSFARGO is depriving or stopping witness and evidence from bringing correctness to the court this is called a deprivation under color of law Title 18 242 carries a 15 year prison sentence and a {$15000.00} fine Perjury carries a fine of {$5000.00} fine and up to 5 years in prison Pursuant 18 USC 894 WELLSFARGO is in violation of conspiring to collect a " debt '' Pursuant HJR 192 of 1933 there is no lawful money which is consists of " gold and silver " Under the Bankruptcy Act we the people were pledged as security how then can WELLSFARGO accuse to presume XXXX XXXX the legal fiction/ens legis is the natural person or has any obligation to pay a debt? 
In accordance with the Fair Credit Reporting Act WELLSFARGO has violated XXXX XXXX XXXXXXXX XXXX XXXXights under 15 USC 1681 Section 602 states she has the right to privacy and 15 USC 1681 Section 604 ( a ) Section ( 2 ) it also states that a consumer reporting agency can not furnish an account with a consumers written instructions 1 days.

Pursuant Title 15 Section 1690 ( 2e ) which is false and misleading statements carries a XXXX XXXX dollar fine and up to 30 years in prison. 
Pursuant 34 U.S. Code 12611 defines what a natural person is and a natural person can not be the " Sameness as a ens legis/corporation/legal fiction. 
XXXX XXXX refers to a natural living American national woman pursuant the definition in 8 USC 1101 ( a ) ( 21 ) on the land, under oath, who states that the following information is of her own belief and personal knowledge. 
What are the names of all partys that are involved in this transaction and are they living flesh and blood men and women or are they legal fiction persons? 
Can WELLSFARGO/ verify and prove in the court that the 4 basics for a contract to be valid actually in fact exist? 
The fundamental flaw of this scam is that once fraud is revealed where it was intended by design the fraud in all contracts are rendered null and void/nunc pro tunc the LEGAL NAME was a fraud with intent as were the loans and mortgages of all kinds. The only contract that can be valid is between XXXX XXXX XXXX and the other living party. 

These facts clearly expose the deceptive and fraud behind WELLSFARGO, the bank manager and the fictious contract with the legal fiction names. 

Therefor Contacting XXXX XXXX XXXX without first properly documenting that she has any obligation to WELLS FARGO or your claimant pertaining to the above referenced trust numbers, after Verifiable Receipt of the Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and or enticements to coerce to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you, WELLSFARGO and your firm knew or should have known that by such communication what you have heretofore attempted to do was, and is false and therefore unlawful. Moreover, until or unless you have fully satisfied and responded to each and every question and statement, truth, and claim stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this mortgage fraud claim, which you as deliberately intended to impair or damage XXXX XXXX XXXXXXXX XXXX  credit and standing in the communityas well as to intentionally inflict financial and emotional harm upon XXXX : XXXX and assure that you do so at your own peril and risk.

You have ten ( 10 ) days from the receipt of this Conditional Acceptance to respond on a point by point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and are not misleading in any manner whatsoever. Declarations are an insuffieciant response, as declarations permit lying by omissions, which no honorable draft may contain. 

WELLS FARGO failure to accept this conditional offer of settlement by producing each and every requested answer, record and or documentation, or in the alternative, responding by sending written withdrawal of WELLSFARGO 's claim ( summary judgement ), will constitute that XXXX XXXX XXXX has no duty or obligation to any portion of the above aforementioned debt whatsoever, and that WELLSFARGO has no right or basis to pursue any further collection. 

Be Advised that notice to any agent of the STATE or under courts regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, WELLS FARGO 's failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by WELLSFARGO and any employees or firm thereof to secure payment with a " Writ of Garnishment or Forclosure '' before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the this Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and agreement to the COURTS to the immediate payment of {$75000.00} USD, payable to XXXX : XXXX as compensating damages . '' and despite my lawful request for them to Cease and Desist from all further contact until my lawfully requested questions which I have a lawful right to know and WELLS FARGO has an obligation as a financial institution to provide WELLS FARGO still ignored my request and today XX/XX/XXXX sent mail to my home regarding the unverified mortgage. This is a breach of Contract and FCRA Violation. GAAP Violation as well as a FTC Violation.

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