Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX the XXXX XXXX. There was a voicemail left telling me that I need to contact the group immediately which I did. They were saying that there are pending actions against me. So I called back, and spoke with a woman named XXXX. XXXX informed me that I am being sued for the amount of {$1400.00} because of an account that I had with Wells Fargo from prior to XXXX. However, they'd be willing to settle out of court for the amount of {$300.00}. I told them that Wells Fargo can kiss my XXXX, and XXXX proceeded to act like a victim. In the end, I was told that they'll go ahead with the legal paperwork. 
Later on that same day, I called the firm back to find out the exact date and time. At first I was speaking to some man, but was eventually put on hold, and transferred back to XXXX who tried being as little helpful as possible. I asked to speak to a supervisor, which she refused to do, and so I tried calling back a few times, but kept getting XXXX. So I tried calling back the number that had contacted me. This time I received an answering service, who I believe they called themselves XXXX. When I called, I complained about XXXX, and spoke with someone named XXXX. XXXX tried to be as helpful as he could but told me that I'd have to call the XXXX XXXX  and speak to XXXX XXXX. XXXX is supposed to be another office manager, but XXXX ended up transferring the call to him, where I spoke to XXXX directly. I asked XXXX some questions, and got some answers. Again telling them, I'm not paying a dime ; take me to court. I had also scheduled a time for XXXX to serve me the papers, however no one showed up. 
I had also done a little research. I came to find out that the statute of limitations for any contract is 6 years in Nevada. I also read a little about the practices of Wells Fargo. The XXXX XXXX was claiming that I owe for previous overdraft fees. However, also after doing research, I came to discover that Wells Fargo had a judgement against them by a District County Judge XXXX in the amount of {$200.00} XXXX dollars for altering the time line of debit card purchases. That case is XXXX vs. Wells Fargo. 
The reason that I mention all of this is because I think that this raises some very interesting questions. Like Why would a collection agency, with an F rating with the XXXX, claim to be a law firm, and yet threaten a law suit without any research first? Also, why was XXXX less than helpful? Why did XXXX XXXX also try using intimidation tactics against me, too? Why was XXXX able to transfer my call after telling me that I'd have to call the firm directly? Especially since the firm claims to have two locations in California, and yet XXXX has a number of XXXX, and a voice mail instead of an actual answering machine with a professional message? 
One last thing that I'd also like to add ... maybe it's related, maybe it isn't ... .Last year I signed up with XXXX XXXX XXXX in order to pay off my student loan debt. A few weeks ago I received an e-mail from the Bureau of Consumer Financial Protection claiming that I have been scammed and that now the company is being sued by the states of California, Minnesota, and North Carolina. Since then, I have followed the advice of the e-mail which told me to go to the Department of Education 's website, find my loan servicer, and straighten everything out. I'm awaiting further instructions from the Bureau, but it seems like it will be a while before I find anything out.

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