2013) CIA] breach- of.contract claim carrrot be maintained against Wells Fargo [the loan service') as it was not a contracting party"); McKenzie v. Wells Fargo Home Mort, Inc.. 2012 U.S. Dist. LEXIS 155480. 2012 WL 5372120'20 n.12 (N.D. Cal. Oct. 30. 2012) ("The mortgage contract is between Lender and Borrower. It We