Americas Servicing Company [trade name] Norwest Mortgage Wells FArgo DOES NOT I REPEAT DOES NOT DO CONSUMER MORTGAGES San Francisco, New Jersey

Copyright Wells Fargo Home Mortgage, Inc.

d.b.a. America's Servicing Company.

WHO HAS THE BIGGER PROBLEM? The above notice copied from the internet today March 9, 2010

WELLS FARGO HOME MORTGAGE, INC. DOES NOT EXIST AND HAS NO LEGAL STANDING FOR ANY TRANSACTIONS CREATED AS WELLS FARGO HOME MORTGAGE, INC. SINCE MAY 2004.

WELLS FARGO HOME MORTGAGE, INC. LEGALLY DOES NOT EXIST.

SADLY NEITHER DOES THE TRADE NAME AMERICAS SERVICING COMPANY.

THE LETTER FROM THE OCC BELOW IS SENT IN REPLY TO WELLS FAGO & CO DBA WELLS FARGO & CO/MN & WELLS FARGO BANK NA PROPOSAL SUBMITTED TO THE OCC TO MERGE WFHM OUT OF EXISTENCE AND TO BE DONE CORRECTLY IS THE DUE DUTY AND DUE LOYALTY AND DUTY OF OBIDIENCE OF THE  CEO & BOARD OF DIRECTORS TO THE STOCKHOLDERS AS CONCEIVED AND DESIGNED AND MANUFACTURED BY PETE WISSINGER, RICHARD KOVACEVICH, JOHN STUMPF, MARK OMAN, CARRIE TOLSTEDT, JAMES STROTHER, ROBERT SINGLEY, DAVID HOYT AND MORE BACK IN MAY 2003.

NOVEMBER 2009 AS A MATTER OF FACT, WELLS FARGO & CO. IS NOW TITLED BITTERROOT see SEC info below.

WELLS FARGO & CO RECEIVED PERMISSION FROM THE OFFICE OF THE COMPTROLLER OF THE CURRENCY TO MERGE THE 'DOMESTIC OTHER ENTITY'WFHM OUT OF EXISTENCE AND CONDUCT THE 'MORTGAGE CORPORATION' BUSINESS UNDER  WELLS FARGO BANK, NATIONAL ASSOCIATION.

THE VERY LETTER AVAILABLE TO THE PUBLIC ON THE SECRETARY OF STATE WEBSITE DOCUMENTS FILED UNDER BUSINESS ENTITY 'WELLS FARGO HOME MORTGAGE, INC.

FROM: OCC ADMINISTRATOR OF NATIONAL BANKS

OCC Control Nr. 2003-ML-12-0057

Large Bank Licensing, MS 7-13

250 E. Street, S.W.

Washington DC 20219

May 19, 2003

Mr. James E. Hanson

Director, M&A

Regulatory Reporting Services

Wells Fargo & Company

Sixth & Marquette, N9305-152

Minneapolis, MN 55479

Dear Mr. Hanson:

This is to inform you on this date, the Office fo the Comptroller of the Currency (OCC) approved the application to merge Wells Fargo Home Mortgage, Inc., Des Moines, Iowa, into and under the charter and title of Wells Fargo Bank, National Association, San Francisco, California.  Wells Fargo Home Mortgage, Inc. is a direct wholly-owned operating subsidiary of the Bank.

This approval was granted based on a thorough review of all information available, including commitments and represenations made in the application and those of Wells Fargo & Company's representatives.

As a reminder, this Office must be advised in writing in advance of the desired effective date for the merger so that the OCC may issue the necessary certification letter.  The merger may be consummated on or after the date of this letter subject to the Bank having first received all other required regulatory approvals.  If the merger transaction is not consummated within one year from the approval date, the approval shall automatically terminate, unless the OCC grants an extension of the time period.

The OCC will issue a letter certifying consumation of the transaction when we have received:

1. A Secretary's Certificate for each entity, certifying that a majority of the board of directors approved the transactions, and

2. An executed Agreement and Plan of Merger.

This approval, and the activities and communications by OCC employees in connection with the filing, do not constitute a contract, express or implied, or any other obligation binding upon the OCC, the United States, any agency or entity of the United States, or any officer or employee of the United States, and do not affect the ability of the OCC to exercise its supervisory, regulatory and examination authroities under applicable law and regulations.  The foregoing may not be waived or modified by any employee or agent of the OCC or the United States.

A separate letter is enclosed requesting your opinion on how we handled your application.  We would appreciate your response so we may improve our service.

In the event of questions, I may be contacted by email:...... or at 202-874-5060.  Please include the application control number in all correspondence.

Sincerely,

Robert A. Sihler

Senior Licensing Analyst

Enclosure: Survey Letter

*Handwritten note at bottom  initials KM perhaps SD employee SOS'

Pursuant to conversion with Jennie Crawford, Des Moines, Iowa refers to the locale of an office and Wells Fargo Home Mortgage Inc is a California corporation and the one involved is the attached merger.

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I am a consumer WHO PURCHASED MORTGAGE PRODUCT(S) FROM Wells Fargo Home Mortgage and by express and implied acts the salesman was an agen t selling me a contracted product of Wells Fargo Bank NA.

Greg Wareham is an employee acting as an agent and acting as a financial professional.  But upon investigation the Wells Fargo Home Mortgage employees have an unfair competitive advantage for they are not licensed.

Now some states changed the rules and in GA July 1, 2006 others could be the financial professionals.

I don't know what the NJ rules were on June 5, 2006.  I don't know what the rules were in MN when the 'closer on 6/5/2006' did the closing. I don't know that the rules are in TN when the transactions were processed between an alleged closing or was there a real closing? For why was Star Mortgage Services used? The entity did not exist in NJ. I cannot find a trade name. There is a UCC document in NJ. There are Star Mortgage, Inc. in MD SOS. and other states.

The NJ Department of Banking and Insurance had on record for a Star Mortgage Services (dissolved in 2003) a phone # and that Phone Number linked to Atlantic Home Loans, Inc. And that Phone # is the same on the fax sent from a company purporting to be WFHM, Perth Amboy. And Perth Amboy is the address of Atlantic Home Loans, Inc.  And Atlantic Home Loans, Inc. is in many states.  And I don't know but I bet at the time was a Wells FArgo Commercial Client, perhaps a Wells Fargo Preferred Vendor. Perhaps a Wells Fargo Commercial Investor.

Employee letters multiple from Bonnie Schooler and Janice Turner replying lies and they are in collusion and make statements on Behalf of John Stumpf lying.  For example, Bonnie Schooler who works for WFHM Division since 8/8/08 stated that the loan origination was fine for our closing.

In writing to serious allegations I intentionally recorded on the BBB which are moved from NJ Trenton BBB to Des Moines Wells Fargo Home Mortgage an unlicensed entity in Iowa engaging in intrastate and interstate commerce as who?

Back to the letter. Here is one dated 9/3/2009.

RE: Wells Fargo Home Mortgage, a division of Wells Fargo Bank ("WFHM")

Loan Numbers ending 0569 and 8905

I sent a complaint to Chairman Mary Schapiro of SEC who unfortunately did not investigate the asset-security 6/5/2006 Structured Asset Fund Co transactions rather just forwarded my email/fax back to Wells Fargo.

Bonnie Schooler

Executive Mortgage Loan Specialist - Retail Office of the President

Wells Fargo Hoem Mortgage

MAC X2302-)2G

1 Home Campue (fictitious address)

Des Moines IA 50328-001

Right bottom corner of stationary with the famous 'logo' and Stagecoach is

Wells Fargo Home Mortgage

is a division of Wells Fargo Bank, NA

That means WFC HOLDINGS CORP

10% Chunk Wells Fargo Bank NA (as shown below on SEC)

and  Wells Fargo & Co John Stumpf another 10% Chunck

and 'WFC' Wells Fargo & Co MN another 10% Chunk

and Wells FArgo Capital another 10% Chunk resposnible now for the Asset-Security transactions

and WFC HOLDINGS CORP Board in tandem with now Bitterroot Board which was Wells Fargo & Co.

The 2nd mortgage Wells Fargo Bank NA the documents clearly state on 6/5/2006 that Wells Fargo Bank NA will benefit from the 2nd mortgage transactions and did. They sold on 6/5/2006 15% loan in secret to Star Mortgage Services for $88K which was really South Star Funding LLC dba Capital Home Mortgage MD corprorations and tradename found in NJ fictious name Captial Home Mortgage and South Star Funding LLC in TN.

Pyramid Scheme - 6/5/2006 - Fact of the matter is the National Bank Act has a 30 day hold period on not moving the sale of properties - does that not include the corporation who owns the asset (even if in fraud?) who with intent took the asset on 6/5/2006 and sold it to Wells Fargo Bank NA LENDER who sold it to others and created on a $440K appraisal a $507K debt in asset-debt conversion to currency.

Money Laundering Scheme And in addition separate money launding by investor in which Wells Fargo Bank NA as SERVICER accepts in the Frederick MD Treasury (which subsidiary???) (Which investor???) moving funds through Wells Fargo Home Mortgage Instituional Lending authorized by Wells Fargo Home Mortgage and Wells Fargo Bank NA/MN responsible for all of the transactions, 2650 Wells Fargo Way, Minneapolis MN is where the closer 'Jasmina Bevanda' and mortgage counselor 'Julie Sainio' work and when I called in one day asking for the closer Jasmian Bevanda told she was on vaction the employees stated she worked for Premier Asset Services.

Premier Asset Services is a Wells Fargo subsidiary. http://www.pasreo.com

The primary business of this subsidiary is to manage the foreclosed properties and Wells Fargo Preferred Vendors trained by Default Services (Default Resource) Frank Marshall - Hudson & Marshall have exclusive rights to list Wells Fargo properties. Wells Fargo has exclusive rights to all foreclosure.com listing WHY? Anyway PAS trains Wells Fargo Preferred Vendors. So who is Jasmina Bevanda. I called her twice and she lied that she worked for a different company and could not pull up my mortgage nore send me any information. Her phone # is 612-312-9835. Fax 866-298-1813 (must pay a fee)  Closing Package Cover Letter is 6/5/2006 LENDER (SENDER) Wells Fargo Bank NA Loan 0152740569 Client Code 77KJ Map D32.

Back to Wells FArgo Home Mortgage Letter from Bonnie Schooler employee who lies and is in collusion to coverup intent by Wells Fargo Bank NA and Wells FArgo & Co and Wells FArgo & Co/MN and WFC HOLDING CORP to take property by deception.

"This letter is in response to your correspondence received on 8/31/2009, addressed to Honorable SEC Chairman Mary Schapiro of which a copy was went to the WFHM Fraud Department.

Our records indicate that WFHM previously received similar issues regarding your mortgage account to which WFHM has responded.  WFHM's position has not changed.

You have stated to several WFHM employees your concerns are with your closing attonrey and South Star Funding who originated and processed the second mortgage on your home.  WFHM is not associated with Sourth Star Funding and only purchased your second mortgage after it closed.  you will need to contact South Star Funding regarding your origiantion and processing concerns or consult an  attorney.  WFHM cannot get involved with a third party dispute.  WFHM considers this matter closed.

Sincerely,

Bonnie Schooler

Executive Mortgage Loan Specialist - Retail Office of the PResidnet

Wells Fargo Home Mortgage

MAC X2302-02G

1 Home Campus

Des Moines IA 50328-001

Fact of the matter is -all lies.

Wells FArgo Home Mortgage was authorized by underwriters of Wells FArgo Home Mortgage! who are a division of Wells FArgo Bank NA.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. dba Premiere Asset Services.
2009 Wells Fargo Bank, N.A. All rights reserved.

 I do know that the address presented was for GA for the real mortgage we signed on 6/7/20906 $352K 1st Mortgage with Wells Fargo Bank NA LENDER and 2nd Mortgage for $88K with South Star Funding LLC in GA.

who worked at the time in Parsippany NJ and reported to Sales Manager John Nelson at WFHM 15 Commerce Blvd, Suite 302, Succasunna, NJ.  Ajrona Leka (Admin) and Sales Associate assisted Greg Wareham who sold us 80/20 REFINANCE.  Ajrona Leka processed documents 5/4/2006 through 6/5/2006 in which she instructed the Wells Fargo Bank NA Attorney Stephen R. Scipione Esq. to 1) place the Title adding Star Mortgage Services for $88K for the closing to occur Friday (6/5/2006) and 2) WFHM fax sent to homeowners insurance company by fax from Atlantic Home Loans, Inc. phone# and address instructing Weichert Insurance to add to the FMI homeowners policy a 2nd mortgage for Star Mortgage Services for $67.5K.

I was privledged to secure copies of pre-loan origination documents from the very attorney who did the closings for Wells Fargo Home Mortgage now listed as defendant in the Compliant for Foreclosure (HOW they were not a company) they are not a legal entity at thetime of sale nor was Americas Servicing Company, nor is Star Mortgage Services, nor was the fictitous PO BOX in Kennesaw GA.  Structured Asset Funding Co (MD) and its fictitous name Capital Home Mortgage MD.

Wells Fargo Bank NA LENDER benefitted from the loan origiantion fraud and that is why John Stumpf who was given on 1/20/2009 copies of the loan origination fraud documents that clearly show a fraudulent closing occured 6/5/2006 (afterall I was not there and did not sign nor did I agree to the extra 5% in fees added onto the closing 3 closings in which Greg Wareham, Stephen Scipione, Mark Delaney Notary, Closer, Agent for Stephen Scipione Esq. brought to us 6/7/2006 mortgage and loan documents we saw for the very first time.  We did not know Wells Fargo Home Mortgage was not a legal business entity.  We did not know that Wells Fargo did not do consume rmortgages.  We did not know in secret covert operations that Wells Fargo sold our loan origiantion via a secret supply chain of Wells Fargo Preferred Vendors and only using Wells Fargo Commercial Clients and only Wells Fargo Subsidiaries and Wells Fargo Investors who concurrently placed currency into Wells Fargo Home Mortgage Institutional Lending for the asset-security side of the transactions depositing in Frederick MD funding from the 6/5/2006 transactions that Wells Fargo Bank  NA Attorney Stephen Scipione Esq. faxed 6/5/2006 and Wells FArgo Bank NA/MN 2650 Wells Fargo Way, Minneapolis MN 'Closer' Jasmina Bevanda and her mortgage counselor 'Julie Sainio processed the closings including a thank you letter asking Stepohen Scipione Esq. to rate Julie Sainio's services.

The pre-loan origiantion documents clearly show intent to take properties by deception.

Futher,  I've learned after May 2004 that all busienss was conducted by the legal entity Wells Fargo Bank NA dba Wells Fargo & Co of which none of the business entities are registered in NJ.

The Bad Faith and Wells FArgo & Co/MN Board of Directors trained the employees to use the supply chain they designed and sell to consumers one sales pitch and solict commercial business their primary job. IN fact the employees are required by job descriptions you can read on the internet to solicty professionals and to engage in community services in furtherance of business for Wells Fargo & CO/MN, Wells FArgo & Co., Wells Fargo Bank NA and WFC HOLDINGS CORP.

The bad faith includes the (intent to take property by deception) from consumers targetted and lied to or the legal term is deceived by deceptive advertising intended to influence consumer behavior.

Since Wells Fargo denies knowing anything about the mortgages on 6/7/2006 one of any sense would begin to realize the 6/5/2006 closing are normal business operations for Wells Fargo & Co, Wells Fargo & Co/MN and Wells Fargo Bank NA and WFC HOLDINGS CORP for on June 5, 2006 when loan origination fraud occured ( I know because I was not at the closing yet the documents were faxed with cut/pasted initials with a 6/5/2006 date and currency was funded 6/8/2006 and net funding deposited into the Wells FArgo Bank NA Attorney Account).

WELLS FARGO & CO, Wells FArgo & Co/MN, Wells FArgo Bank NA & WFC HOLDINGS CORP  HAVE harmed all consumers in all states substantively and greivously harmed the nation domestically and internationally.

John Stumpf has lied while testifying before the Legislature and his comments are recorded and in writing.

Wells Fargo & Co/MN 'WFC' dba Wells Fargo & Company dba Wells Fargo Bank NA (LENDER) (SERVICER). 

Wells FArgo does not do consumer mortgage and therefore nothing touched the Wells Fargo Bank, National Association and consumers were not protected by the OCC for our transactions were never seen (pre-loan origination documents hidden in local Wells Fargo Preferred Vendors).

In a huge 50 state pyramid scheme Wells FArgo sold in secret the loan originations for a fee and in secret converted the assets into debt and the business was given only to Wells FArgo Preferred Vendors and Wells FArgo Subsidiaries and Wells FArgo Commercial Clients.

Simultaneously the same date 6/5/2006 money was laundered into Wells Fargo 'Treasury' one of the subsidiaries or one of the Wells FArgo Commercial Clients processing accounting transactions in which Wells Fargo Home Mortgage Instituional Lending funding was taken in for investor of asset-security Structured Asset Funding Co (MD corp) and dba fictitous name Capital Home Mortgage. All of this done with other illegal names like Star Mortgage Services (UCC Document on file in NJ) and Cordova TN appers to be where the transactions may have moved and a forensic audit by the OCC will reveal where and when and what and how and who and why is obvious.

The fact is all of this was not done to ONE CONSUMER rather to all CONSUMERS and every state harmed and involves HomeLand Security and violations against the Patriot Act HR3162 and Gramm-Leach-Bliley Act November 1999 in which the Attorney General does indeed have Jurisdication. And violations against Sarbanes-Oxley Act 2002 which is probably what prompted Wells Fargo Home Mortgage, Inc. being merged into Wells FArgo Bank, National Association.

Wells Fargo may have gotten away with their selfish greed for almost a decade and almost did not get caught but their greed and lies and intent to harm my family revealed a series of transactions that lead not to local Wells FArgo Home Mortgage loan origianton fraud rather to how Wells Fargo operates and became the #1 Loan Origiantion Company and the #1 Loan Servicer and to do so it took lots of unlawful business acts and false claim acts.  If I understood the Gramm-Leach-Bliley Act Nov 1999 and FFEIC documents  financial holding companies are required to change the organization every 10 years.

What goes around comes around.

For a decade Wells Fargo -- and I must add as a consumer I thought was a valuable American Business one I could trust do do business lawfully and honorable.

As a Patriot and WhistleBlower who has reported since Decmeber 2008 to NJ and to the OCC since 1/20/2009, that Wells FArgo harmed my nation and my country and my family and I want retribution. 

The OCC indeed under #854370 is investigating.  Any consumer harmed by Wells FArgo should create an OCC Consumer Complaint.  If you did not start with Wells FArgo but received a Complaint for Foreclosure and Wells Fargo Bank NA is the Plaintfiff and Wells FArgo Home Mortgage is the defendant polease know you too have been harmed by Wells FArgo.

Officially I entered into an agreement with John Stumpf 1/20/2009 when he accepted my valuable loan origiantion fraud evidence and agreed to perform a top/down investigation and Legal Services, Wells Fargo & Co/MN and Wells FArgo & Co & Wells FArgo Bank NA and WFC HOLDINGS assigned Bonnie Schooler WFHM division to investigate - she refused lied and processed instead of a HUD Loan Origiantion RESPA Investigation in which we would have been safe for 90 days while Wells Fargo investigated and then another six months while they investigated the loan origiantion fraud and they should have called in HUD to assist.  Rather they just wanted to see the documents and make me go away.

God is blessing us and we are still hanging in here and I pray my Governor who has under Article II of the Constitution Executive Powers will authorize the Attorney General who does have Jurisdiction per the Gramm-Leach-Bliley Act November 1999 to present a case as Plaintiff v. Wells Fargo Bank NA, Wells Fargo & Co, Wells Fargo & Co/MN, WFC HOLDINGS CORP and prosecute to the fullest extent of the law and take back what the US Constitution gives uss our civil rights under the Fourteenth Amendment, Fifth Amendment and Eight Amendment and US Constitution the right to be safe in life and property, the right to liberty, the right to due process and due process and all  protections of federal and state laws and US Constitution and State Constituion.

John Stumpf had he been an honest business man would have gladly performed a top/down investigation to stop loan origiantion fraud at the local level. But instead it is normal operations for Wells Fargo to place deceptive advertising into the public domain to influence consumer behavior and take our only asset and covert it to debt and at the time of sale indeed the manufacturer is responsible for selling what is a defective product at the time of sale which caused substantive and grevious harm.

 I asked for only what was due 1/20/2009 consideration of the fraud which would have meant I was to be given back what I  paid in and renegotiate the mortgage. 

Since the property is underwater the mortgage companies do not want to do that because the 2nd mortgage can be stripped off as unsecured debt. I did not know that then.

When I gave John Stumpf the copies of the loan origiantion fraud he and many employees lied to coverup the normal operations and committed additional unlawful business acts including intent to take property by deception and more flase claim acts for the Complaint for Foreclosure and the Assignemtn of All These Good Men also are fraudlent.

John Stumpf, Wells Fargo & Co., Legal Services, Business Address, 420 Montgomery Street, accepted the copies and we are in agreement he disregarded and ignored his Due Duty, Duty of Loyalty, Duty of Obligation to the Shareholders and by not performing a top/down investigation into local WFHM storefront loan origiantion fraud revealed by his own hand and his own employees validation John Stumpf and Mary Coffin indeed knew about the facts of the matter they revealed the internal operations and what is done and how they harm consumers and lie.

Consumer must unite and share their stories because they  are the same.

Unfortuantely the 4 corners of the contract Wells Fargo depends upon to lie and using mirrors confuse the courts that the consumers are idiots and that we hurt Wells FArgo. Nother is father from the truth. I pray my government will take back what Wells Fargo took unlawfully not from just my family but from all consumers and their familes in all states of this great nation.

 Wells Fargo & Co. operating as Bitterroot and Americas Servicing Company still engaging in intrastate and intertstate commerce unlawfully.

Documents

 Wells Fargo Bank, National Association.

I thought I was their customer having purchased a consumer mortgage with Wells Fargo Hoem Mortgage and my mortgage states Wells Fargo Bank NA [Lender].

Sadly, I am an embarrassement to Wells Fargo.  For their official business document viewable on  http://www.wellsfargo.com in 2009 was removed 3rd week of January yet is still visible on https://www.wellsfargo.com/mortgage/account/servicing

"What is America's Servicing Company?

- Americas 's Servicing Company (ASC) is a division of Wells Fargo Home Mortgage that services loans for other investors under the America's Servicing Name.

- The vast majority of America's Servicing Company mortgages were originated by other lenders, packaged into securities, and sold by those lenders into the secondary market.

- As a result, Wells Fargo had no involvement in the origination of underwriting of the vast majorioty of loans serviced by America's Servicing Company.

Why is this division of Wells Fargo called America's Servicing Company?

America's Servicing Company is the generic label used for this business because some of our competitors do not want the Wells Fargo name associated with their loans.  By using the America's Servicing Company name, we avoid this problem.  America's Servicing Company customers receive the same great level of service provided to customers with loans originated by Wells Fargo.

Why does Wells Fargo service these loans?

As a result of our strong track record of success in achieving the highest servicer ratings, companies seek our expertise when they need assistance in servicing their loans.  Servicing loans for third parties is simply another business for Wells Fargo.

How can I contact America's Servicing Company?

America's Servucing Company can be contacted by phone at 800-842-7654.

Equal Housing Lender

(c) 1999-2009 Wells Fargo. All rights reserved.

U R G E N T:

Consumers we have been discriminated against by Wells Fargo & Co/MN.

Consumers you must know that Wells Fargo Home Mortgage, Inc.  ("WFHM") from 2000 thru 2004 was a California Domestic for Profit Corporation -- a wholly owned subsidiary of Wells Fargo & Co/MN

However, Wells Fargo & Co/MN owners did not legally register the trade name to do business as Wells Fargo Home Mortgage, Inc. dba America's Servicing Company. 

Wells Fargo & Co/MN a private entity whose stock is traded over the New Yo 'WFC' on NY Stock Exchange is one of the wholly owned subsidiaries of the private entity WFC HOLDINGS CORP. Others include: