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WELLS FARGO & COMPANY – CFPB Complaint

By on April 11, 2018
Consumer Complaint Submission

Date Received: 2018-03-14T00:00:00

Product: Mortgage debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Presentment is challenged. Fraud is established – XXXX XXXX XXXX.
Assumed Power of Attorney Revoked from debt collectors who have no standing proven by all accounting filed in County Land Records.

2635.101 Basic obligation of public service.
( a ) Public service is a public trust. Each employee has a responsibility to the United States Government and its citizens to place loyalty to the Constitution, laws and ethical principles above private gain. To ensure that every citizen can have complete confidence in the integrity of the Federal Government, each employee shall respect and adhere to the principles of ethical conduct set forth in this section, as well as the implementing standards contained in this part and in supplemental agency regulations.
California Constitution PREAMBLE We, the People of the State of California, grateful to XXXX XXXX for our freedom, in order to secure and perpetuate its blessings, do establish this Constitution.
SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy.

XXXX XXXX XXXX, XXXX XXXX, I am requesting your efforts as promised under the Treaty of XXXX XXXX protection of individual civil rights and individual property rights. Please do not ignore the crimes which continue to be executed up on me by the debt collectors. It is my hope your agency agrees to take my case against XXXX XXXX XXXX XXXX XXXX and its many connections behind their walls. It is my hope your agency recognizes the abuses by the latter ring of debt collectors who choose to blatantly violate Section 5 of the FTC Act, 15 USC 45 which prohibits unfair or deceptive acts or practices.
When reviewing my CFPB complaint dated XXXX against the complex organized group of attorneys called XXXX XXXX XXXX XXXX XXXX, I am recommending that your organization refer attorneys/debt collectors who own a web of LLCs, law firms and other fraudclosure mill throughout the United States to the Department of Justice. My request is made to force the attorneys to register as foreign agents due to their sneaky and lawless acts against homeowners of California. Please refer to my letter from President Trump and Exhibit A to establish past abuses against me by attorneys/debt collectors out of control.
The attorneys who will attempt to steal my home XXXX XXXX XXXX XXXX CA on XX/XX/XXXX have completely ignored law or Federal Trade Act and THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010. ) and will move to steal my XXXX home with obvious lack of standing and refusal to provide Verification of Accounting as mandated by FDCPA Section 809 and Federal Trade Commission Act.
How do I know?
On XX/XX/XXXX, four of the attorneys who will now try to steal my XXXX home and now a part of the XXXX XXXX XXXX XXXX XXXX fraudclosure web XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold my home XXXX XXXX XXXX XXXX XXXX California to one of their associates XXXX XXXX and XXXX fake company analleged client of XXXX XXXX.
XXXX knights himself The King of Eviction and seems to own the lower eviction courts in XXXX XXXX. Please note that XXXX XXXX, XXXX XXXX and XXXX XXXX long time associates of XXXX XXXX XXXX XXXX XXXX stole my owner occupied on XX/XX/XXXX THEFT knowingly based on a VOID contract XXXX XXXX XXXX. I was illegally evicted on XX/XX/XXXX. After a hard fight, I was able to show three Appellate judges fact that XXXX and XXXX ignored case law to illegally seize my home and the three Appellate judges reversed the illegal auction destruction of my life, health and business of 20+ years.
You may ask why the illegal seizures are happening? Please refer to my letter to President Trump whereby I discuss the harm by ex-XXXX bankruptcy attorney XXXX XXXX who blocked me from reorganizing the debt of the XXXX XXXX XXXX trust under a bankruptcy XXXX back in XXXX ( as suggested by XXXX predecessor Judge XXXX XXXX, I elected to file a XXXX aka XXXX reorganization n XXXX so I could strip any defective liens and confirm valid creditors. ). XXXX assisted the debt collectors steal my homes left and right regardless of reckless acts of attorneys. Theft of XXXX XXXX XXXX has been set by XXXX and Friends and Florida Attorney XXXX XXXX XXXX, XXXX, XXXX and XXXX created a California XXXX called XXXX XXXX XXXX XXXX. It is with this XXXX XXXX that XXXX, XXXX, XXXX XXXX XXXX that commenced filing falsified foreclosure documents on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California and pulled the XXXX on XX/XX/XXXX. I did execute my protection by sending these attorneys and their alleged client Wells Fargo Bank N.A. a Debt Validation letter challenging their presentment for specific obvious reasons proving that neither Wells Fargo or the attorneys had a present right to foreclose on the XXXX XXXX home and sell to XXXX XXXX fake client. In addition, as grantor, I revoked in writing any presumed power of attorney which XXXX, XXXX, XXXX, XXXX or Wells Fargo assumed they had.
The Statue of Limitation set firm that any pretender lender could not attempt to seize XXXX XXXX XXXX. XXXX XXXX CA. The misconduct debt collectors chose to not adhere to Section 809 of FDCPA and submit to me VERIFICATION in Affidavit under Oath and Notary Seal Affiexed. I was injured. The IRS records XXXX document submitted to the IRS by the debt collectors following the illegal sale to reveals not only their criminal minds, but my proof of their lack of standing to illegally take my property on XX/XX/XXXX. – Pretty Sneaky debt collectors who illegally liquidated my XXXX XXXX asset. The side note I was never made aware of the illegal foreclosure proceedings of the XXXX XXXX property until notified by my renter.
THEFT OF XXXX XXXX XXXX XXXX CA SET FOR XX/XX/XXXX IS ORGANIZED : BY XXXX XXXX XXXX AL AND FLORIDA ATTORNEY XXXX XXXX AS XXXX XXXX XXXX XXXX I REVOKE ANY OF THEIR PRESUMED POWER OF ATTORNEY FOR XXXX XXXX XXXX TRUST. I CHALLENGE XXXX et al OBVIOUS LACK OF STANDING DUE TO STATUE OF LIMITATION ISSUE AND BANKING ACCOUNTING RECORDS SHOWING WELLS FARGO HAS NO INTEREST WITH MY XXXX HOME AND I WILL NOT CONTRACT WITH WELLS FARGO OR XXXX XXXX XXXX AL OR XXXX XXXX. A COMPLETED VERIFICATION FROM WELLS FARGO AND XXXX WILL SUFFICE AND ALL COLLECTIONS AND REPORTING MUST STOP AND CORRECTED.
WELLS FARGO MUST EXPLAIN WHY IT IS NOT REPORTING THEIR XX/XX/XXXX Created Account No. XXXX to credit report of XXXX XXXX XXXX trust.
XXXX, XXXX, XXXX XXXX al will now try to steal my home located at XXXX XXXX XXXX XXXX California on XXXX. I sent the debt collector attorneys a Debt Verification request under FDCPA which was received by their office on XX/XX/XXXX. Instead of stopping all collections, the debt collectors chose to establish their deviance by tapping the Trustee Notice of Sale on my home front door for all my neighbors to see on XX/XX/XXXX.
XXXX gang of attorneys has increased under umbrella of XXXX XXXX XXXX XXXX XXXX. So now I face off with attorneys from Texas, Florida, Georgia, Connecticut and California all apart of XXXX XXXX XXXX XXXX XXXX. I was never notified of the illegal sale of theXXXX home until mail commenced flowing to my mail box the first week of XX/XX/XXXX verified by Post Master.
Notice of Default was filed by XXXX Texas Law Firm under XXXX XXXX XXXX XXXX a California XXXX in XX/XX/XXXX.
Then we have a Notice of Trustee Sale filed with XXXX XXXX in XX/XX/XXXX by a XXXX XXXX named XXXX XXXX XXXX XXXX owned by XXXX XXXX of Florida. I have no idea the relationship between XXXX XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX Florida and XXXX XXXX XXXX XXXX XXXX. I do know that XXXX XXXX XXXX XXXX XXXX established an office in XXXX XXXX, and uses a mailing house in XXXX. I believe the mailing house a fraudclosure business owned by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX business XXXX XXXX XXXX XXXX is also sharing office space with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA.
I have done some research and found out the reason why the debt collector attorneys form LLCs in Florida is for the liability protection for their assets provided by Florida.
Because of XXXX entrance to scene of the fraudclosure theft of XXXX XXXX XXXX, I sent XXXX and XXXX an authorization to investigate Wells Fargo claim to have a contract with me related to a note referenced as account XXXX which is allegedly related to an XXXX XXXX XXXX XXXX discharged at least 3 times and its note referenced as XXXX. I directed both credit bureaus to obtain Verification in accordance to FDCPA – Affidavit or Statement under Oath by an officer stating that Wells Fargo is in fact a Creditor. I directed credit bureaus that compliance with FDCPA requirements must be enforced and no deviations i.e. the debt collectors can not submit to investigators copies of the old world savings deed of trust. This would be unacceptable. I asked the credit bureaus to initiate the investigation, because of the problems which I encountered with XXXX XXXX et al debt collectors electing to not follow the law related to theft of XXXX XXXX XXXX. XXXX XXXX. I can not have my current home stolen also.
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX al joined up with XXXX XXXX XXXX XXXX XXXX.
I am opening this case to publicly prove that XXXX XXXX foreign California XXXX called XXXX XXXX XXXX XXXX has no present right to foreclose on my home XXXX XXXX XXXX XXXX California set for XX/XX/XXXX. The debt collectors will ignore their obligation to submit to me and my legal team a completed VERIFICATION.
I also have attached to this CFPB my revocation of any power of attorney that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX presume that may have over my XXXX XXXX XXXX trust. I reject their presentment and now force their hand by forcing them to sign an Affidavit or Statement under Oath and Notary Seal Affixed.
I am familiar with the Social Security Act of XXXX which sets XXXX XXXX XXXX XXXX California as a security Asset of the United States of America. I would like to remind you that the Social Security Act of XXXX business model was created to move our Country in the right direction financially. The Social Security Act was not created for debt collector attorneys to file falsified documents on homes and seize homes with no present standing to take home of the Social Security Trusts ; thus, ruining credit of the American People and harming the American people in more ways than one.
For this reason Mr.Mulvaney, I recommend that you to refer the attorneys who are planning the theft of XXXX XXXX XXXX XXXX on XX/XX/XXXX to the Department of Justice.
Foreign Agents Registration Administration which administers Foreign Agents Registration Act. FARA is something of an unusual statute. Codified today at 22 U.S.C. 611-621, it was enacted in XXXX in the run-up to World War II in response to concerns raised by a special congressional committee over the large number of XXXX and XXXX propagandists active in the United States at the time. As the DOJ Inspector General recently noted, A significant finding of the committees study was that the XXXX XXXX government had established an extensive underground propaganda apparatus using American firms and citizens. Per the Justice Departments thorough and helpful FARA FAQ, we are told that [ t ] he purpose of FARA is to insure that the U.S. Government and the people of the United States are informed of the source of information ( propaganda ) and the identity of persons attempting to influence U.S. public opinion, policy, and laws. Such information, in turn, allows the public to appraise [ those individuals ] and the purposes for which they act, in the words of a XXXX House of Representatives report.
Most importantly, as these quotes suggest, FARA is a procedural statute, not a substantive one. As explained in more detail below, it does not prohibit particular activities in the abstract ; it merely requires that those engaged in such activities on behalf of foreign interests identify themselves ( and disclose their interests ) to the U.S. government.

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Indeed, a separate statute, 18 U.S.C. 219, goes one important step further, making it a crime for any individual who is an officer or employee or person acting for or on behalf of the United States, or any department, agency, or branch of Government thereof, including the District of Columbia, in any official function, to be or to act as an agent of a foreign principal under FARA.

In other words, for a private citizen, FARAs entire impact is in requiring disclosure. But for public officials, 219 actually prohibits such individuals from acting as foreign agents. Thus, whereas a private citizen need only apprise the Justice Department if they are receiving funds from foreign principals to influence U.S. policy, public officials may not receive such funds, periodand face felony charges if they do. ( N.B. : Theres an interesting question about whether transition officials might qualify as public officials for purposes of 219. Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from reviewing a wide range of publications for indications of activities by unregistered agents to reviewing the filings of registered agents and conducting audits or inspections of their books and records. Almost all of the Unit ‘s civil enforcement actions, including the so-called ” XXXX films cases, ” XXXX XXXX XXXX, 481 U.S. 465 ( XXXX ), and XXXX XXXX XXXX, 793 F.2d 1303 ( D.C . Cir. ), cert. den. 478 U.S. 1021, reh. den. 481 U.S 1043 ( 1987 ), were developed in this fashion. The Unit also works closely with the law enforcement and intelligence community components who provide reports on potential violations of the Act. The Unit ‘s less frequent criminal prosecutions have primarily come from this source — most recently an IRS investigation in XXXX ( the XXXX case ) and previously, a XXXX XXXX Government investigation of internal corruption ( the XXXX case ).
CONCLUSION : I have no contract with Wells Fargo Bank N.A. and I will not support their illegal activities by using government forms to liquidates homes and then lying about monies collected from illegal foreclosures.
I challenge their presentment and now the ball is in the court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wells Fargo, the XXXX XXXX XXXX XXXX XXXX group of attorneys. They are directed to complete the Verification as mandated by FDCPA Section 809 an affidavit under oath by an officer with Notary Seal Affixed. I am directing the debt collectors to abide to Federal Trade Commission Act. The required task is easy. Complete the verification and I can pay you off in case Wells Fargo is the creditor and not violating fact that Statute of Limitation prohibits any pretender lender to attempt to illegally seize my home.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN

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Company: WELLS FARGO & COMPANY

State/Zip: CA 927XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2843454

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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