Consumer complaint received 2019-03-15
Company: WELLS FARGO & COMPANY
State: TX
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, a message was left at my parents ' home phone number ( a XXXX area number ) that I had a debt that was attempting to be collected. My parents gave me the number ( XXXX XXXX XXXX ), and I called them. The number is from XXXX, TX outside of XXXX. A woman named XXXX or XXXX XXXX ( first time I swear she said XXXX, second time I talked to her she said XXXX ) claimed she was with a third-party company attempting to collect a debt for Wells Fargo. She did not tell me in the first call the name of her company. She did not state that the call was being recorded. She had my personal information including my current address and social security number. She asked for me to verify my information, and I refused and asked why she was calling. She threatened that I would be sued if I did not immediately pay back my debt. She claimed that I owed approximately {$200.00} in overdraft fees to Wells Fargo for a bank account from XXXX ( I was a senior in high school that year, and I can not recall if I even had an account with them in the past ). The fees had grown, and my debt was now approximately {$900.00}. She said I had the option to set up a payment plan or pay a reduced negotiated amount of about {$450.00} over the phone that day. She stated that multiple attempts had been made to contact me via phone and by mail.They have not contacted me nor my parents at any time prior to XX/XX/XXXX. She stated that they had sent me in writing the details of the debt in the mail in unmarked envelopes. I told her I'd look into this, and she urged me to call her back in the next 30 minutes. I attempted to call her back twice before XXXX CST on the same day and only heard elevator music for a few minutes, then the call was disconnected. I did my research, and pulled my credit report from XXXX, XXXX, and XXXX and reviewed them carefully. There is absolutely nothing on my credit report from Wells Fargo, ever. I also learned that the statute on limitations for filing a lawsuit on debt is 4 years, and a debt from XXXX ( if it had been real ) is well past 4 years. I also learned that I should have the debt in writing and her company 's information before proceeding with any conversations with her. She called back on XX/XX/XXXX. I asked her the name of her company, and she said she was with XXXX XXXX. I tried to state the information I had found, and she kept talking over me and threatening me if I didn't pay. After I told her to stop talking so I could speak, she hung up on me. After a few minutes, I called the number she gave me back. A XXXX XXXX answered this time. I asked what the name of his company was and for his address. He said the company was XXXX XXXX, and gave me a PO Box address. I asked for a physical address, and he said he didn't have to give that to me. I asked what the nature of his company was, and he stated that they assisted in civil cases. He then very irritably asked me why I was calling. I then asked him if his company 's practice was to call and threaten to sue people. He stated it was not. I told him that someone from his company just did call and threaten me. He protested that he did not, and again asked why I was calling. I told him to have his company desist in calling me and we hung up. I can not find the company XXXX XXXX on the internet anywhere. I am of the very firm belief that this is a scam.

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