Lopez Final Resolution1099sWorldSavigs - Sunningdale.Hanover

April 15, 2021
Valerie A Lopez
2328 Sunningdale Dr
Tustin, CA 92782
Subject: Resolution to your concerns about account numbers 0482921111 and 0483971123
Dear Valerie A Lopez:
Thank you for taking the time to speak with us and for the opportunity to address your concerns.
We want you to know we're here to help. We're responding and want to make sure you have the
information you need.
In the inquiry received, the following concerns were raised
• Information on the 1099-A

• Original documents for the mortgages
• Your Wells Fargo experience
Please find our response below.
Information on the 1099-A
In the inquiry received, you requested additional information about the 1099s that were sent to
you. We've determined that an update was needed on the account. We'd like to provide you with
more information about our resolution.
Here’s what we found
We found that the 2018 1099-A for loan number 0483971123 needed some corrections.
Enclosed is the corrected 2018 1099-A for that account. No other 1099s needed corrected and
we have enclosed the 2017 1099-A for loan number 0482921111 for your records.
We know your time is valuable and appreciate the effort you took to contact us. We apologize for
the inconvenience this may have caused.
Original documents for the mortgages
Also, in the inquiry received, you requested copies of some of the original documents for both
loans. Enclosed are copies of the original Note and Deed of Trust for both loans.
DTK/co11797211/co11797199/cl708
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801
Lopez
April 15, 2021
Page 2
Your Wells Fargo experience
At Wells Fargo, we pride ourselves on developing and maintaining quality financial

relationships and strive to consistently deliver the exemplary service we know our customers
deserve, so it was very difficult to learn that we have not met your expectations. We'd like you to
know you're a valued customer, and we strive to help our customers succeed financially. Thank
you for taking the time to share your experience with us. We value your feedback and look to
customers like you for your opinions about how we can provide the service you expect and
deserve. We apologize for any frustration this experience caused.
Going forward
We value your feedback and appreciate the time and effort you took to contact us. It's been my
goal to fully address the concerns you've brought to our attention.
If you have any questions, or if you'd like to request additional documents that support our
research, you may reply to me directly at the return address on this letter or by phone at
1-800-853-8516 extension 1335621587. I am available to assist you Monday through Friday,
8:00 a.m. to 5:00 p.m. Central Time. If you require immediate assistance and I am unavailable,
other representatives are available to assist you at 1-800-853-8516, Monday through Friday,
7:00 a.m. to 7:00 p.m. Central Time.
Sincerely,
Beth Reese
Case Specialist
Home Lending Executive Office
Enclosure(s)
DTK/co11797211/co11797199/cl708
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801
For Return Address Purposes Only
Wells Fargo Bank N.A.

Return Mail Operations OMB No. 1545-0877 01/12/18
PO Box 14411
Des Moines IA 50306-3411 2017 Acquisition or
Abandonment of
Form 1099-A Secured Property
VALERIE A LOPEZ
PO BOX 1613
NNNNNNNNNN
TUSTIN, CA 92781-1613
CORRECTED (if checked)
LENDER'S name, street address, city, state, ZIP code, and telephone no. OMB No. 1545-0877
01/12/18
2017
WELLS FARGO BANK, N. A.
1 HOME CAMPUS F2303-04P Acquisition or
DES MOINES, IA 50328-0001 Abandonment of
1-866-234-8271
1 Date of lender's acquisition or 2 Balance of principal Copy B
knowledge of abandonment outstanding
LENDER'S Federal identification number BORROWER'S identification number For Borrower
08/31/17 $181,790.32
94-1347393 XXX-XX-2069 This is important tax
3 4 Fair market value of property information and is
BORROWER'S name, street address (including apt. no.), city, state and ZIP code being furnished to the
Internal Revenue
VALERIE A LOPEZ $370,000.00 Service. If you are
PO BOX 1613 required to file a
TUSTIN, CA 92781-1613 5 If checked, the borrower was personally liable for return, a negligence
repayment of the debt penalty or other
sanction may be
6 Description of property imposed on you if
taxable income results
26290 HANOVER LN from this transaction
LAGUNA HI CA 92653 and the IRS determines
Account number (see instructions) that it has not been
reported.
0482921111
Form 1099-A (Keep for your records.) Department of the Treasury-Internal Revenue Service
Instructions for Borrower

Certain lenders who acquire an interest in property that was security for a loan or Box 1. For a lender’s acquisition of property that was security for a loan, the date
who have reason to know that such property has been abandoned must provide shown is generally the earlier of the date title was transferred to the lender or the
you with this statement. You may have reportable income or loss because of such date possession and the burdens and benefits of ownership were transferred to the
acquisition or abandonment. Gain or loss from an acquisition generally is lender. This may be the date of a foreclosure or execution sale or the date your
measured by the difference between your adjusted basis in the property and the right of redemption or objection expired. For an abandonment, the date shown is
amount of your debt canceled in exchange for the property, or, if greater, the sale the date on which the lender first knew or had reason to know that the property
proceeds. If you abandoned the property, you may have income from the discharge was abandoned or the date of a foreclosure, execution, or similar sale.
of indebtedness in the amount of the unpaid balance of your canceled debt. The tax Box 2. Shows the debt (principal only) owed to the lender on the loan when the
consequences of abandoning property depend on whether or not you were interest in the property was acquired by the lender or on the date the lender first
personally liable for the debt. Losses on acquisitions or abandonments of property knew or had reason to know that the property was abandoned.
held for personal use are not deductible. See Pub. 4681 for information about your Box 4. Shows the fair market value of the property. If the amount in box 4 is less
tax consequences. than the amount in box 2, and your debt is canceled, you may have cancellation of
Property means any real property (such as a personal residence); any intangible debt income. If the property was your main home, see Pub. 523 to figure any
property; and tangible personal property that is held for investment or used in a taxable gain or ordinary income.
trade or business. Box 5. Shows whether you were personally liable for repayment of the debt when
If you borrowed money on this property with someone else, each of you should the debt was created or, if modified, when it was last modified.
receive this statement. Box 6. Shows the description of the property acquired by the lender or abandoned
Borrower's taxpayer identification number.For your protection, this form by you. If “CCC” is shown, the form indicates the amount of any Commodity Credit
may show only the last four digits of your social security number (SSN), individual Corporation loan outstanding when you forfeited your commodity.
taxpayer identification number (ITIN), adoption taxpayer identification number Future developments. For the latest information about developments related
(ATIN), or employer identification number (EIN). However, the issuer has to Form 1099-A and its instructions, such as legislation enacted after they were
reported your complete identification number to the IRS. published, go to www.irs.gov/form1099a.
Account number. May show an account or other unique number the lender
assigned to distinguish your account.
For Return Address Purposes Only
Wells Fargo Bank N.A.

Return Mail Operations OMB No. 1545-0877 10/03/19
PO Box 14411
Des Moines IA 50306-3411 2018 Acquisition or
Abandonment of
VALERIE A LOPEZ
158 N CENTER ST
NNNNNNNNNN
ORANGE, CA 92866
 CORRECTED (if checked)
LENDER'S name, street address, city, state, ZIP code, and telephone no. OMB No. 1545-0877
10/03/19
2018
WELLS FARGO BANK, N. A.
1 HOME CAMPUS F2303-04P Acquisition or
DES MOINES, IA 50328-0001 Abandonment of
1-866-234-8271
1 Date of lender's acquisition or 2 Balance of principal Copy B
knowledge of abandonment outstanding
LENDER'S TIN BORROWER'S TIN For Borrower
03/28/18 $293,685.99
94-1347393 XXX-XX-2069 This is important tax
3 4 Fair market value of property information and is
BORROWER'S name, street address (including apt. no.), city, state and ZIP code being furnished to the
IRS. If you are required
VALERIE A LOPEZ $530,000.00 to file a return, a
158 N CENTER ST negligence penalty or
ORANGE, CA 92866 5 If checked, the borrower was personally liable for other sanction may be
repayment of the debt imposed on you if
taxable income results
6 Description of property from this transaction
and the IRS determines
2328 SUNNINGDALE DR that it has not been
TUSTIN CA 92782 reported.
Account number (see instructions)
0483971123
Form 1099-A (Keep for your records.) Department of the Treasury-Internal Revenue Service
Instructions for Borrower

Certain lenders who acquire an interest in property that was security for a loan or Box 1. For a lender’s acquisition of property that was security for a loan, the date
who have reason to know that such property has been abandoned must provide shown is generally the earlier of the date title was transferred to the lender or the
you with this statement. You may have reportable income or loss because of such date possession and the burdens and benefits of ownership were transferred to the
acquisition or abandonment. Gain or loss from an acquisition generally is lender. This may be the date of a foreclosure or execution sale or the date your
measured by the difference between your adjusted basis in the property and the right of redemption or objection expired. For an abandonment, the date shown is
amount of your debt canceled in exchange for the property, or, if greater, the sale the date on which the lender first knew or had reason to know that the property
proceeds. If you abandoned the property, you may have income from the discharge was abandoned or the date of a foreclosure, execution, or similar sale.
of indebtedness in the amount of the unpaid balance of your canceled debt. The tax Box 2. Shows the debt (principal only) owed to the lender on the loan when the
consequences of abandoning property depend on whether or not you were interest in the property was acquired by the lender or on the date the lender first
personally liable for the debt. Losses on acquisitions or abandonments of property knew or had reason to know that the property was abandoned.
held for personal use are not deductible. See Pub. 4681 for information about your Box 4. Shows the fair market value of the property. If the amount in box 4 is less
tax consequences. than the amount in box 2, and your debt is canceled, you may have cancellation of
Property means any real property (such as a personal residence); any intangible debt income. If the property was your main home, see Pub. 523 to figure any
property; and tangible personal property that is held for investment or used in a taxable gain or ordinary income.
trade or business. Box 5. Shows whether you were personally liable for repayment of the debt when
If you borrowed money on this property with someone else, each of you should the debt was created or, if modified, when it was last modified.
receive this statement. Box 6. Shows the description of the property acquired by the lender or abandoned
Borrower's taxpayer identification number (TIN).For your protection, this by you. If “CCC” is shown, the form indicates the amount of any Commodity Credit
form may show only the last four digits of your TIN (social security number (SSN), Corporation loan outstanding when you forfeited your commodity.
individual taxpayer identification number (ITIN), adoption taxpayer identification Future developments. For the latest information about developments related
number (ATIN), or employer identification number (EIN)). However, the issuer to Form 1099-A and its instructions, such as legislation enacted after they were
has reported your complete TIN to the IRS. published, go to www.irs.gov/Form1099A.
Account number. May show an account or other unique number the lender
assigned to distinguish your account.
{8EA5338A-5127-4A63-BFD1-5A75B768FA32} Page 1 of 16
https://imaging-prod.wellsfargo.com/ivaas/docViewer.htm 4/15/2021
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Lopez Final Resolution1099sWorldSavigs - Sunningdale.Hanover

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Lopez Final Resolution1099sWorldSavigs - Sunningdale.Hanover

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April 15, 2021

Dear Valerie A Lopez:

In the inquiry received, the following concerns were raised

• Information on the 1099-A

Please find our response below.

Information on the 1099-A

Here’s what we found

Original documents for the mortgages

Your Wells Fargo experience

At Wells Fargo, we pride ourselves on developing and maintaining quality financial

Wells Fargo Bank N.A.

CORRECTED (if checked)

Instructions for Borrower

Wells Fargo Bank N.A.

 CORRECTED (if checked)

Instructions for Borrower

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