8/3/2019 Wells Fargo - Dodd Frank Act

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November 2t,2otlJames L. Fordrzr Maple Dr.Greer, SC 2965r-4409Dear James L. Ford:RE: Loan Number 7o8-r:1968gSSggWells Fargo Home Mortgage (WFHMpresented and would like to provide youWells Fargo Home Mortgage (WFHM)manner, according to the Do'rld-Frank FiReform Act will not gor into elfect until arequired to send you written acknowledgare also required to research and provideinquiry. Our records reflect that acknowlinquiry is being sent to you orn NovemberI would first like to provide s,ome bathe loan as well as our procesises. At the cof Trust, which secures the named proM. Ford as the "Borrower" anLd Franklinthe security instrument, therr: is no Trustenclosed a copy of the Mortgage and theThe Mortgage provides for ttre terms andservicer. Please refer to Pagers r-2, of thethatthe sale ofaloan onthe secondaryinvolves the transfer of the loan servicingI can confirm that the borrower's loanhave been maintained bv WttHM sincefulfills the borrowers obligatiion to repayagent, all correspondence reliated to theinvestor.Enclosed you will find the fol.lowing docuPa5rment History/Customer .,f\ccount ActiThe Customer Account Activitvzoog,through the date of thiis letter. Theloan, and any distributions made from tbalances of the unpaid princiLpal, escrow,charges were assessed, any arnounts paidFees are reported on the annual mortgagehave been applied to the unapplied accoudo not represent the full monthly moapplied.

ived. correspondernceh. the details of rny

izes it is your corntentir;ial Reform Act.date. Per the lRealt witlhin zo businesswritten rspons@ to yount was senLt to you7,2OLL.

c[ i.nformation lrr ensuiing of tJre borrower's Iers collaLteral for the loa

.Mortgag;eished; there:fore, thiote, as well as any additiitions of the lrran, incortgage for additional iket is common practice

, it iLs usuallv seaso,lcl on the secondaryacqruiredlthe loan on Febe ilebt thev incurred bvmust be directed to

A description ofSltatement

(CAAS) neflects a cCImreflects whenloan. The CAAS pnerpplied and oubstandird ttrese fees, and wastat,ement. llhe lJnapplit. P'ayments can fbe applprayment due, or if

Wells Fargo Home Mortgage is a division of W:lls Fargo Bank, N.A.

e iSe'btle

thatclaTlter My asthe

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Wells Fargo Hrcrr,e lvlortgageMAC X23O2-C)19l-.Home CampusDes lvloines, Il\ 50328-OOO1

irrg this n. I have rr::viewed the inforrnationthaLt we ve not responderl to you in a timelybe advised the trod{-Frank Financialnt Proceclurrils Act (RESP.A), vre areys olithe ipt of vrri.ulen correspondence. Wehin 6o

nL October

is esttrblisihe,rl negarding tlhe te,rms ofnL,1ilrey ex a Mortgage ratherthan il Deednames Jiames L. Forct andlAshlevloarn has n nder". \Alh,era using a Mortgage fornamed flrulirtee or Trustor. I haveyour ref'erenc.

ness days