Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. On XXXX XXXX I the consumer filled out a consumer credit application ( Retail Installment Contract ) with XXXX XXXX, I as the consumer was only supposed to be responsible for the FINANCE CHARGE pursuant to Title 15 USC 1605 ( a ) Determination of Finance Charge, which Is the SUM of all charges in a CONSUMER CREDIT TRANSACTION and IT DOES NOT INCLUDE ANY CHARGE OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION, In return For a PURCHASE MONEY LOAN. Instead I was handed a GENERIC CONTRACT TO FILL OUT WITHOUT ( ADEQUATE NOTICE ) pursuant to Title 15 USC 1602 ( k ) of TILA ( Truth-in-Lending Act, or FULL DICLOSURE that I the consumer was Giving up SECURITY INTEREST to have my note SOLD in a POOLING AND SERVICING AGREEMENT BETWEEN XXXX XXXXXXXX XXXX  AND WELLS FARGO BANK who's named as THE SECURED PARTY WHICH IS AGGRAVATED IDENTITY THEFT pursuant to Title 18 USC 1028A which is another violation of FRAUD, a Violation of FURNISHING CERTAIN DECEPTIVE FORMS pursuant to Title 15 USC 1692j of the ( FDCPA ) and a violation of UNFAIR PRACTICES pursuant to Title 15 USC 1692f of the ( FDCPA ). WELLS FARGO BANK NEVER GAVE I THE CONSUMER A LOAN, based on WELLS FARGO BANK SECURITY EXCHANGE 10-K FORM REPORT, THE TRUST INDENTURE SAYS OTHER WISE, IT SAYS THAT WELLS FARGO BANK BUYS THE RETAIL INSTALLMENT CONTRACT AND TURN AROUND AND SELL IT AS AN ASSET BACK SECURITY, YOUR REPORT IS CLEAR AS DAY TELLING THE WORLD, THAT YOU TOOK MY NOTE AND IMPERSONATED ME IN TRADING IT. IF THATS THE CASE, I WAS NEVER TOLD THAT I WAS INVOLVED IN AN INVESTMENT CONTRACT. XXXX XXXX XXXX  are in connection with I the consumer in collection of this alleged debt that haven't been Verified through GENERAL ACCOUNT LEDGER, VERIFIED AND NOTIRIZED BY AN ACCOUNTANT for ( VALIDITY ), THE ACCOUNT INFORMATION XXXX XXXX FROVIDED WAS GENERIC AND NOT VERIFIED BY ANYONE BUT XXXX XXXX. On XX/XX/2022 XXXX XXXX XXXX SENT ME A NOTICE OF RIGHT TO CURE THREATNING TO UNLAWFULLY REPOSESS MY VEHICLE on XX/XX/2022 IF I DONT PAY THIS ALLEGED DEBT. I the consumer responded to all communications, through CONDITIONAL ACCEPTANCE AND DEBT VALIDATION LETTERS SENT CERTIFIED MAIL RETURN RECIEPT, REQUESTING THE FOLLOWING INFORMATION THAT WHOULD CONSTITUTE A LAWFULL DEBT THAT I THE CONSUMER MIGHT LAWFULLY OWE, XXXX XXXX XXXX NEVER SENT WHAT WAS ASK FOR IN THE FOLLOWING. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and XXXX XXXX XXXX, only DECADE AUTO. 3 ) ALSO, XXXX XXXX XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding XXXX XXXX XXXX, ACCOUNT # XXXX, CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ). XXXX out the balance on this account XXXX, and Grant me my title lien free. Any other communication going forward XXXX XXXX XXXX AND WELLS FARGO BANK, will be liable to me {$1000.00} each occurrence EACH under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act, with the list of other violations listed above. 
Respectfully,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation