Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Bank NA continues to report and re -verify to XXXX after an investigation a debt that was rendered NULL and VOID by their attorney XXXX XXXX XXXX , XXXX on XX/XX/2013 when he sent a letter to XXXX XXXX XXXX , Prothonotary Superior Court of Pennsylvania QUOTE : I have sent a Praecipe to Vacate Judgement to the trial court. In light of this development, I respectfully submit that the appeal in the XXXX XXXX is now moot. The referenced foreclose action XXXX XXXX XXXX of Common Pleas Civil Division No : XXXX. XXXX and XXXX XXXX,, Defendant Pro Se answer the complaint. On XX/XX/2013 XXXX and XXXX XXXX Appellants Pro Se file a Notice of appeal in compliance with Rules of Appellate Procedure - Pennsylvania XXXX. The appeal was granted by the XXXX XXXX XXXX Pennsylvania and given the XXXX XXXX : XXXX. The end result is any alleged debt or obligation owed by XXXX and XXXX XXXX and Well Fargo Bank rendered null and void on XX/XX/2013 when XXXX XXXX XXXX, XXXX - ID # XXXX filed with XXXX County Court of Common a Praecipe to Withdraw / Vacate the Judgment docketed on XX/XX/2013. Their continued collection actions are in violation af U.S. Code Title 15 Chapter 41 Subchapter V 1692g Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 
U.S. Code Title 15 Chapter 41 Subchapter V 1692f 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. 
U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency., including the furnisher of information contacted in connection with such information 15 USC 1692e 807. False or misleading ( A ) the character, amount or legal status of any debt

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