Consumer complaint received 2017-09-17
Company: WELLS FARGO & COMPANY
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Yes, I am following up to a letter that I have received from Congressman XXXX XXXX XXXX office to help me resolve a problem. I have been in an ongoing battle with Wells Fargo Education Financial Services for close to three years concerning a loan that I sincerely believe, that to the best of my honest investigations, I do not owe. I have n't taken out a student since XX/XX/XXXX while I was still attending XXXX XXXX University. I am and have been payingXX/XX/XXXX for my student loans since I came out of bankruptcy in XX/XX/XXXX and I accept the validity of these two loans to be legitimate and I have no problem with this. Wells Fargo, on the other hand, wrote off as " discharged /closed '' a loan in XX/XX/XXXXright before my bankruptcy took effect inXX/XX/XXXXwhich remains on my credit report with the same status, " Discharged/Closed. '' Furthermore, I have checked a few times with the Dept. of Education, FASA, and NSLDS and each and every time, I have been given the same answer, which is that I have two student loans and both are held by XXXX. Wells Fargo, has given me the run around so many times and actually changed their story in addition, that I truly and sincerely do not believe in any honest analysis, that I owe them a dime on any loan. I believe they are willingly, deliberately, and illegally billing me for a loan that they already know I do not owe. Is this the same loan that I am paying XXXX for every month?
In addition, they would not send me a single legal document at my request until I consulted with a local attorney and was advised to mention the " Fair Credit Reporting Act. '' I received one form that they said was a copy of my original promissory note filed. Then they sent me a one page document that was a FEEL loan and they told me that it never goes away. I 'm fully aware of that as long as the loan is legitimate. Finally, then they sent a loan document that stated it was a private consolidation loan, but does n't match the other data. Once again, as I 've told each and every single person who has attempted to help me figure this out, " If, '' I legally owe this loan, I will willfully pay it until it 's paid off and never complain about it again. I, however, do not believe that I do owe it. I understand that a federal student loan is for the duration until it is paid off or I die.If, however, this is a private consolidation loan, as stated on the last document they sent me, is it still considered a student loan? I fully believe that Wells Fargo intentionally closed the loan to keep from entering into the bankruptcy to avoid bargaining with the Trustee and settling for a lesser amount. They called me almost immediately after my bankruptcy was discharged and were very threatening with what actions they would take if I did n't pay it. In the first conversation held with me, they threatened to garnish my wages at the hospital, have my my drivers license and any professional licenses revoked, and take me to court. I am a XXXX XXXX XXXX XXXX ( XXXX ) and a XXXX XXXX XXXX ( XXXX  ) and could not have continued working at XXXX XXXX XXXX in XXXX WA. Are they allowed to just close the loan and then just open it up and come after me as they did? They also told me they were n't allowed to contact me during the bankruptcy and they closed the loan on XX/XX/XXXX, but, as the attached payment record will attest to, they received regular monthly payments throughout the entire bankruptcy from the Trustee. Which is it? When I mention all payments, there were also regular payments made to XXXX and XXXX during and immediately following the bankruptcy until XXXX  acquired my student loans.
I am asking you to please open up an investigation into this matter and help me determine, for sure, if I owe Wells Fargo anything. All forms on my uploads listed as XXXX documents were sent to me directly by XXXX in one large package containing approximately 16-18 documents. I believe almost all of them has Wells Fargo as the former servicer. I hope that I have explained all my concerns and doubts to my best ability possible. I also hope that I have provided you enough documentation to work with to finally and with absolute certainty resolve this dispute in its finality. At some point during this process my loan number was changed to add one more zero at the beginning of the loan number.
SincerelyXXXX XXXX

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