Consumer complaint received 2018-11-14
Company: WELLS FARGO & COMPANY
State: CA
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 my husband & I received VMs from a lady named XXXX who did not say why she was calling but she was asking for me and she said it was my final notification and shed be at my house between 3-5 the next day ( today ) and if Im not there I leave her no choice but to go to my work and she will have to have Head of security and my Boss witness the delivery of certified documents in my name under my SSN. She never gave any clues as to what this was all about. First off I have never heard from this lady before in my life. She never said where she was calling from. I will attach a screenshot of the visual VM she left. I called the number she left and reached a VM box for XXXX XXXX XXXX ( XXXX XXXX XXXX. The VM doesnt announce any firm or company. He just says his name and to leave a msg. I left him a msg for a rtn call. I called again today and left another msg. I called back the lady XXXX at the number she called from XXXX ( XXXX XXXX XXXX but its not a valid number. It comes up under a XXXX XXXX on my caller ID. Whoever XXXX is called me back approx at noon today. He said he had to ask me 3 questions. 1 ) did I purposely commit a fraudulent act and overdraw my Wells Fargo account for {$420.00} in XXXX of XXXX? 2 ) Am I going to pay {$1000.00} now and get released of liability or 3 ) Directly refuse and go to court and pay 3x the amount of the original debt which he said would be {$3000.00}? I told him even though the account was in my name my husband was the one having his pay checks direct deposited to it and I have no idea about what happened in XXXX because I was not utilizing that bank account. I was utilizing my XXXX account that I have had since XXXX and still am. I said hed need to contact him for more questions. Wells Fargo is going through a class action suit and we received a letter saying money from overzealous overdraft fees were owed to us. Anyhow I said to XXXX if this is a debt isnt there a statue of limitations anyway and he said no. He said me talking to him reopened the collections account from XX/XX/XXXX.He also said every letter thats ever been mailed to me also reopened the account. I never received a letter and told him Ive been living at the same house since XXXX so I dont know where they were sending letters to. I asked where he was from and he said XXXX XXXX XXXX XXXX XXXX, XXXX Texas.This guy new the last 4 digits of my SSN, he knew the date the account was opened & closed. He said there were multiple letters sent to us but again I have not seen one. I asked who the lady XXXX is who said she was coming to my house and my work if I am not home. He said he did not know and that she must be with Wells Fargo and he has no idea what papers she has to deliver to me. I asked if she was coming today and he said tomorrow. I said she said today between 3-5 and he said yes today. If he wasnt associated with her how would he know when she said she was coming to serve me papers? I left work early so I could be home to receive whatever certified letter but XXXX XXXX came and went and no one showed up at my house. I hope she didnt go to my work because that would be humiliating.I lost 2.5 hours of pay for this. I feel like they owe me for the lost hours and inconvenience it places me in with my employer having to ask to leave without advance notice because of the threatening messages I was left.

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