Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Well Fargo continues to attempt on a Judgment that they in fact Vacated. This matter has been adjudicated in the Court of Common Pleas of XXXX XXXX, Pennsylvania and XXXX Court of Pennsylvania, XXXX XXXX. Result : XXXX XXXX XXXX, XXXX representing Wells Fargo , N.A . XXXX Wachovia Bank , N.A.as per the enclosed letter to Letter to the XXXX Court of Pennsylvania notifying the court that XXXX XXXX XXXX sent a Praecipe to Vacate Judgment to the Trail Court release any obligation of this debt that was implied owed. 
Below are the proposed violations in the attempt to collect on this account. of the Fair Debt Collection Practices Act. 
As amended by Public Law XXXX ( 2010 ) - XXXX XXXX XXXX XXXX. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( This matter has been adjudicated in the Court of Common Pleas of XXXX XXXX, Pennsylvania and XXXX Court of Pennsylvania, XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( This matter has been adjudicated in the Court of Common Pleas of XXXX XXXX, Pennsylvania and XXXX Court of Pennsylvania, XXXX XXXX ) XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( This matter has been adjudicated in the Court of Common Pleas of XXXX XXXX, Pennsylvania and XXXX Court of Pennsylvania, XXXX XXXX ) XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( This matter has been adjudicated in the Court of Common Pleas of XXXX XXXX, Pennsylvania and XXXX Court of Pennsylvania, XXXX XXXX ) ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; I have asked Wells Fargo Bank Na to update your records to reflect the outcome of this adjudicated matter and provide a ( Release of Liability for XXXX and XXXX XXXX ) in this matter. If this matter is not promptly addressed, It is my intention to file a complaint with the XXXX Court of Pennsylvania against XXXX XXXX XXXX XXXX and Filing A Complaint | Federal Trade Commission against the law firm of XXXX, XXXX and XXXX, XXXX. XXXX XXXX XXXX XXXX and Wells Fargo for the above stated proposed violations.

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