Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I natural persons XXXX XXXX XXXX federally protected consumer pursuant to  FDCPA is the only authorized agent representative for XXXX XXXX, ( there are no third parties involved ) hereby state that Wells Fargo has been in default XX/XX/2021, after failing to  rebut line for line, point for point, question for question to  my affidavit sent I entered a consumer credit transaction with Wells Fargo XX/XX/2021 by use of USc 1602 ( j ). According to  28 USc 3002. Also pursuant to Title 18 USc 8 Debt is the obligation of the United States. A finance charge took place and according to  12 CFR 226.4 the company Wells Fargo isn't allowed to  take comparable cash transactions. Also according to 15 USc 1605 ( a ) the finance charge everything was supposed to  be included in the sum of all charges but was not, pursuant to 15 USc 1605 ( j ). Wells Fargo denies that pursuant to  USc 1602 ( g ) XXXX XXXX is the original creditor of account XXXX, which is a violation pursuant to title 15 USc 1692 e ( 2 ) a. The term " creditor '' refers only to a PERSON who both regularly extends consumer credit. Wells Fargo committed fraud pursuant ( 29 CFR 2850.412-9 ) stating they gave me a loan, but pursuant to 12 USc 1431 , the role of a bank is to  not extend credit, nor loans. Pursuant to 12 u.s code 83. I have put Wells Fargo on notice with a written cease and desist affidavit, But Wells Fargo continues to disregard and not comply with the received cease and  desist affidavit sent on XX/XX/2021. They called me on XX/XX/2021 at XXXX. XXXX, and  XXXX which is a violation under title 15 usc 1692c ( c ) and that is a form of harassment under title 15 usc 16929 ( d ) 5. Wells Fargo also has been pulling my private information from the consumer credit reporting agencies of old addresses, phone numbers, and  emails attaching this information to my profile in their system. That is a violation under 15 USc 1692b. I have been going through mental anguish, having XXXX XXXX XXXX, getting XXXX XXXX, caused by the harassment of Wells Fargo. It has raised XXXX XXXX XXXX XXXX and  XXXX to the point of me not being able to do my everyday task. This has all been placed under my XXXX filing Lien with the state of California on XX/XX/2021. ( see attachments ) Documentary evidence that supports each claim. If you fail to uphold the law i will be filing suit in federal court, DEFINITIONS : If you are oblivious to the terms used here are the definitions by Law pursuant to 15 USC 1602 : ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required

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