Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A law firm, XXXX XXXX XXXX , XXXX, based in XXXX XXXX, Florida. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. ( XXXX ) XXXX. This firm apparently specializes in Debt collections. In XXXX, XXXX, I received 2 letters, printed with their letterhead, looking very lawyer like, anyone, including myself who has received my fair share of lawyer demand letters. I must reveal a bit of private, protected information about myself. I am a XXXX person, I am well educated, I had to self-represent in Family Court XXXX, where for the past 10 years I have suffered judicial and attorney abuse and given no Rights whatsoever, I could n't make it up. I will file a separate complaint for fraud under color of the law. It may be out of your jurisdiction you may think, but a XXXX person is an easy target for exploitation and abuse. A protected, supposedly, class can be a victim of Fraud in any setting. XXXX. I My condition is XXXX. But, I have studied essentially all the major areas of XXXX, specializing in XXXX XXXX. Back to the complaint at hand. First off, I am in this position due to illegal actions by my private XXXX insurer, XXXX. A separate complaint will be filed. I had no money from XXXX, XXXX until just recently. I applied For XXXX and XXXX in XX/XX/XXXX. A 's of today I am still waiting. 18 Months. The SSA Act is meaningless to the SSA. They have deprived me of entitlements I paid into for 35 years. They have destroyed my Civil Rights. I may file a Federal lawsuit for violations of Title VI of the Civil Rights Act of XX/XX/XXXX. Sorry I get off point. Its the XXXX. 

This Law firm, I believe, Has committed textbook misrepresentation, false claims, and Conspiracy to Extort money through Malicious False Representation and Scheme to Defraud through Egregious, Deceptive Fraudulent Misrepresentation of Foreclosure Procedural Law. Mitigating Circumstances is the fact that this heinous, illegal collection tactic was targeted at one of society 's most vulnerable, the XXXX. In that letters, received in XX/XX/XXXX, the law firm claimed that Wells Fargo had retained them to file a foreclosure action. The letter looked legit, the word Foreclosure was presented in Bold type. In the letter, it states clearly that a " foreclosure action has been initiated. '' An average citizen would absolutely believe that this letter from a law firm, on their letterhead, was part of a legal action to Foreclose, causing much XXXX. It was used to illicit XXXX, an underhanded ploy to extort money. Fortunately, for me, I knew immediately it was a lie because I had never been served with Court Docs. They attempted, with full knowledge, to play on the XXXX of this XXXX person. I Believe this law firm has not just violated the FDCA, but also my Civil and Constitutional Rights Under the XXXX, since the mortgage is most likely connected to XXXX or other government agencies, these parasites also violated the Federal False Claims Act, Engaged in Conspiracy, Conspiracy to Defraud a XXXX Adult, Conspiracy to commit Extortion, Falsely Misrepresenting the Court with respect to Foreclosure Law. They attempted to violate my 1st, 4th, 5th, and 14th Amendment Rights. State wise, they violated Florida 's CCPA, Florida 's Unfair and Deceptive Trade Practices Act. I Am Counting on the FTC to enforce the laws prescribed by Congress. You must send a message that the exploitation of the XXXX will not be tolerated in any way. A {$1000.00} fine is not acceptable. That is no deterant to change behaviour. These people prey on the weak, the vulnerable. I pray you will take this seriously. I am in this position due to being a victim of fraud. I am a victim of circumstance. BTW, I was served with actual Foreclosure in XX/XX/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