Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I was physically served by the county constable at my home on behalf of Wells Fargo. On XX/XX/XXXX I submitted my defendant 's reply along with sending an email to the law firm, XXXX XXXX XXXX XXXX XXXX, XXXX. to maybe resolve this issue out of court with either paying a lump sum of what I could afford or set up a payment plan that was fit for my budget, since I had taken a pay-cut due to the transfer of a new position, all of which they did not consider. Prior to being served, I had tried to reach out to the WELLS FARGO credit card department to try to resolve the issue by going to a WELLS FARGO branch in my hometown to see if they would loan me the money to pay off the debt and was denied. Fast forward to after submitting my plea I never heard from them again, until XX/XX/XXXX. On XX/XX/XXXX was a day of payroll, when I called to check my funds in my checking account with WELLS FARGO so that I could pay my bills, they had extracted all of my paycheck leaving me with only {$100.00} to pay my bills. At first I thought I had been a victim of identity theft. At the time i was 6 going on 7 months of my XXXX and so my XXXX level was well overboard, XXXX XXXX was pretty high, and was overwhelmed because I still had doctor visits that I needed to make before my check-ups. I made so many attempts to call WELLS FARGO and no one could give me a clear answer as to who exactly had withdrawn, only thing they told me was that it was due to a court order. Then one of the departments they transferred me to had already closed and it was not even XXXX yet, it was only XXXX XXXX. It was not until I had to wait for the next day to go to a WELLS FARGO branch to sit with someone to help me understand what was happening. I was completely unaware that WELLS FARGO had served me again but this time it was via email, which I had not checked in weeks, and I also was unaware that they could do that since they had physically served me the 1st time. Because I could not afford to make all my bills I reached out to the XXXX XXXX XXXX charity for assistance, they were able to help make 2 of my highest bills what was my car and car insurance bill. I then called the law firm and they had told me that I had 2 options to pay the balance of XXXX or payment plan of {$170.00} of which I stated I could not make. I did tell them that I would only be able to make payments of {$150.00}, but I am still recovering from catching up with my payments from last month. I am unable to make the {$150.00} payment due to my XXXX since I will be out on XXXX leave with only having 60 % of my pay for 6 weeks and no pay for the remaining of my time off. I had never felt so robbed in my life, calling to check the status of your paycheck and finding out that it was all taken away by a debt collector of whom I had tried to come to an agreement even before being served. I have been with WELLS FARGO since XX/XX/XXXX, I will never recommend this bank to anyone because of their evil ways of working with their customers. Caused me so much stress and agony especially at a crucial time in my life with me XXXX my XXXX child, not knowing what to do. I did everything to communicate with them, they really just waited and monitored my account to take every penny away from me. I never ran away from this responsibility and they treated me as if I had not even made attempts to work with them when in all actuality I did.

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