Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo continues to attempt to collect on a foreclosed HELOC Rem Judgement that they in fact Vacated as shown in the attached documents. This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX division. Result : XXXX XXXX XXXX, XXXX representing Wells Fargo , N.A . s/i/i/t Wachovia Bank , N.A.as per the enclosed letter to Letter to the Prothonotary, Superior Court XXXX Pennsylvania notifying the court that XXXX XXXX XXXX sent a Praecipe to Vacate Judgment to the Trail Court release any obligation of this debt that was implied owed. 

Below are the proposed violations in the attempt to collect on this account. of the Fair Debt Collection Practices Act. 
As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 15 USC 1692d 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, Eastern Division ) 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
I have asked repeadtly to Wells Fargo to update records to reflect the outcome of this adjudicated matter and provide a ( Release of Liability for XXXX and XXXX XXXX ) in this matter.

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