I received a private loan through Wells Fargo in XX/XX/XXXX for $ XXXX with my brother as the co-signer. When I completed school in XX/XX/XXXX, my co-signer was in XXXX XXXX bankruptcy with Wells Fargo receiving monthly payments from the XXXX XXXX. During his BK, I did not receive the expected repayment information and rates, so I contacted XXXX about the loan. They advised me that they could not legally contact me or send information about my loan b/c my co-signer was in XXXX. Later in XX/XX/XXXX, my co-signers BK was resolved. Not a week later, I immediately started receiving harassing and intimidating phone calls from XXXX stating that my account was delinquent -- even though they 've received payments through his BK -- and demanded that I pay {$1000.00} per month for 24 months to satisfy the loan and accruing interest. I asked the rep about receiving a letter with repayment information like I received from all other lenders. They stated that my loan is in severe delinquency and there were no other options. I countered with {$200.00} per month b/c that 's all I could afford being fresh out of college with no good paying job. XXXX denied my counter and insisted that myself or my co-signer pay the {$1000.00} per month. They continued to call myself and my brother, playing us against XXXX another by telling XXXX what the other said ; even made up lies. Without notice, they levied my co-signers savings account by {$2000.00} ; which caused turmoil in my relationship with my brother. In XX/XX/XXXX I filed Chapter XXXX to attempt to stop them from further levying my co-signers accounts as they started threating to take our family heir-loomed land. When my BK XXXX in XX/XX/XXXX, XXXX, for some reason, had a totally different tone. They accepted a monthly payment of {$150.00}. However, the account reflected as a charge-off for {$24000.00} onall XXXX credit bureau 's ; negatively affecting and severely ruining my credit. Recently, I contacted XXXX about the harassing phone calls and their failure to provide repayment information ; especially after seeing the media report on XXXX 's business practices. I was IMMEDIATELY transferred to an XXXX XXXX rep. I stated my concerns, including asking her if the recovery reps are offered monetary incentives to recover funds from consumers, as this is what would motivate the harassing and intimidating phone calls. She refused to answer and danced all around the question replying with XXXX 's intentions. I stated to her that my sole concern was the effect on my credit, and what can we do to rectify that. She promised to research my claims and would contact me at a later date. XXXX weeks later, I received a call back the XXXX XXXX XXXX. The rep basically stated that WF is not at fault. I asked her to pull those harassing calls and listen to them. She stated that they must have not recorded any of the calls as they were not on file. I stated my concerns me that calls to collect a debt are not recorded on WF behalf and that their business practices has really ruined my life. I ca n't obtain ANYTHING because XXXX is showing that I owe them XXXX per month as a charge off. I 've disputed this numerous times with all credit bureau 's. They will remove it, but a month later XXXX would report the charge-off and it would re-appear on my report. The XXXX office rep said they could not do anything to help my situation ; only that they promise that no further collection effort will be made as long as I continue to pay them. This should be illegal!!!