I have a Reoccurring issue with Wells Faro Bank violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 15 USC 1692b 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 3 ) not communicate with any such person more than once unless requested to do so by such person. Wells Fargo Bank sent a collection letter to my wife XXXX XXXX XXXX, joint account holder, asking for a settlement on a debt that is not owed. 
15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated 15 USC 1692c 805. Communication in connection with debt collection Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law. On XX/XX/2014 The XXXX Court of Pennsylvania Docket Number XXXX was DISCONTINUED by actions taken by XXXX XXXX - ID # XXXX acting on behalf of XXXX XXXX XXXX PA ID. # XXXX representing Wells Fargo Bank render the Debt and Judgment in REM Null and Void. Wells Fargo Bank has removed any reference to Foreclosure, Appeal and it 's outcome, Repossession it reported to the IRS after a XXXX investigation from the XXXX Credit Reporting Agency. It added Comment : Collateral released by creditor/balance owing.This is in complete violation of 811. Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; Wells Fargo Bank NA sucessor in interest to Wachovia files a Foclosure Action in XXXX County Court of Common Pleas Pennsylvania Case XXXX by XXXX XXXX XXXX PA ID. # XXXX representing Wells Fargo Bank.The preceding appeal in the XXXX Court of Pennsylvania Docket Number XXXX was DISCONTINUED by actions taken by XXXX XXXX - ID # XXXX acting on behalf of XXXX XXXX XXXX PA ID. # XXXX representing Wells Fargo Bank render the Debt and Judgment in REM Null and Void. Wells Fargo Bank concealed these facts in Consumer Financial Protection Bureau Case number : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the Office of the Comptroller of the Currency case number XXXX. This is in violation of 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt.