Consumer complaint received 2018-03-30
Company: WELLS FARGO & COMPANY
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX, DE XXXX Toll Free : ( XXXX ) XXXX Fax:XXXX The XXXX XXXX XXXX has just within the last 2 weeks starting contacting me. They have refused validation of the debt and ignored my dispute of the debt. They are claiming a debt is owed to XXXX/ Wells Fargo for {$360.00}. The account was closed back in XX/XX/XXXX. I have never received any notice until now that there was an alleged debt owed. When contacted validation was asked for and the debt was disputed. The collection calls continued and no verification/validation of the debt was received. The notice that was received was a litigation notice. Threatening to take legal action included placing judgment against me and reporting to XXXX The day I received that letter XX/XX/XXXX I along with my wife called again letting them know that once again we did not receive information verifying the debt and had also spoken to wells fargo bank who stated they did not have record of the debt and that they had a lot of people calling with similar complaints of threatening phone calls. To which the man XXXX I believe his name was finally tried to give information on what the alleged debt was while talking down to me. Before on the previous call they said they had no information to " call the third largest bank in the world since we made no sense for thinking the third largest bank would make up debt ''. They have continued to change the date each time of the debt being charged off the last use of the account etc. They have continued to lie to us about the debt, talk to us in a truly demeaning manner, yelled at us, threatened to continue legal action, continued to tell me how they will ruin my chances with my bank by reporting to XXXX so I can not have a bank account, and also that they will ruin my credit. This company also has given out my personal and confidential information to both myself and my wife without verifying I was indeed the alleged debtor. They have no verification that the debtor is truly the person on the phone and gave out my social security number and personal information regardless. They demeaned my wife who is in collections and told me free advice is never the best advice, that she didn't know what she was talking about, and that what we say doesn't matter they are going to proceed as they would like. As stated the alleged debt was from a bank account closed in XX/XX/XXXX which makes it out of statute regardless of them ignoring my pleas to validate the debt and that I would like it disputed. When I asked them to cease and desist the man continued to mock me, talk down to me, and called me " Homie '' in a very demeaning manner. I feel as though my rights have been violated, fraudulent and out of statute charges have been brought against me, threatened by legal action and ruining my banking privileges, and that my personal information has been violated. Please look into this company as they are very demeaning, will not follow the FDCPA laws set forth and have continuously mocked me and have been exceedingly rude and verbally abusive to me on each and every phone call as well as letters. This company needs to be fined for their violations of the law.

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