XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXEmail : XXXXXXXXXXXXOffice phone : XXXX XXXX XXXXCell : XXXX XXXX XXXXXX/XX/XXXX15Dear Consumer Financial Protection Bureau XXXX : My step daughter, XXXX XXXX XXXX bought at an auction held at XXXX a property known as XXXX XXXX XXXX, XXXX, XXXX XXXX, the Seller being Wells Fargo Bank on XXXX/XXXX/15 and the following Monday, on XXXX/XXXX/15 sent all the required forms and the initial deposit as required in the terms of the sale. The sale is an " all cash '' sale and the full amount required for the settlement is in XXXX XXXX 's checking account with Wells Fargo. This has been conveyed repeatedly to Wells Fargo together with XXXX XXXX notifications to Wells Fargo that she is desirous, " ready willing and able to close ''. 
As a preamble to this letter, I would state that I 'm authorized by XXXX XXXX to act on her behalf, including and not limited to having a formal power of attorney from her. 
Also, for the sake of brevity, I 'm not including the extensive email communications I had with the attorney for Wells Fargo, handling the REO part of the deal, XXXX XXXX XXXX, XXXX. ; of XXXX XXXX XXXX XXXX XXXX XXXX. However, a draft of this letter is being emailed to her. I believe that she has no valid disputes to the facts contained herein, and if she does, by this letter, she is very much encouraged to convey her comments to you. 
The story is simple. When XXXX XXXX bought the property, she expected to close on the property ASAP and move to it. She is renting in the same town, XXXX, paying {$1500.00} a month in rent. However, the closing did not, and as of now, has not happened. Until yesterday, XXXX/XXXX/15, when Wells Fargo received a deed in its name ( but as of yesterday has still not executed it XXXX no closing date was in site. 
A conservative calculation of XXXX XXXX 's damages is : on an all cash deal, allowing for a month to close, XXXX XXXX now paid an extra XXXX months of rent, totaling {$7800.00}. In addition, the property is standing vacant, unkempt and deteriorating. To get it to its XXXX/XXXX/15 condition, will take another {$5000.00} - {$10000.00}, for a total of {$12000.00} - {$17000.00}. 
XXXX XXXX is entitled to delay damages and has requested a meeting to discuss the issue with Wells Fargo Bank, whose motto, stated in broad signs in every branch, is " Courtesy '', but the bank declines. 
Wells Fargo bought the property at a Sheriff 's foreclosure sale on or about XXXX/XXXX/15 thru its foreclosing attorneys, XXXX XXXX. The deed was issued by the sheriff to the HUD XXXX. Wells Fargo claims it is entitled to the delay since it is a " typographical error ''. Considering the time it took to correct, a better adjective is " negligence ''. 
Wells Fargo 's additional position is that delays are to be expected in foreclosure sales. This is patently wrong, since XXXX XXXX did not buy at a foreclosure auction, but bought directly from Wells Fargo, which in turn prior, bought at the foreclosure auction. 
I kindly request your intervention that delay damages are paid by Wells Fargo to XXXX XXXX and sanction Wells Fargo for its unreasonable behavior. 

Yours truly, XXXX XXXX 
