Consumer complaint received 09/14/2017 about Debt collection (Payday loan debt) with WELLS FARGO & COMPANY (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Begin forwarded message:

From: XXXX XXXX 
Subject: Fwd: XXXX XXXX ACCT XXXX XXXX XXXX XXXX--CALLED SEVERAL TIMES LAST WEEK ALL REPS EGREGIOUS XXXX  AND XXXX EXTREMELYXX/XX/XXXXDate:XX/XX/XXXX at XXXX XXXX EDT
To: consumerfinance.gov





Dear Sirs,

This is XX/XX/XXXX Ive been trying to contact Wells Fargo before due date XX/XX/XXXX from my hospital bed.  Each time I speak to someone the conversation turns Desparaging, Negative, Combative, Misleading and  Deceptive.  
Employees at Wells Fargo Bank are refusing to inform me of any HARDSHIP PLAN I CAN RIGHTFULLY ENROLL IN BEFOREXX/XX/XXXXDUE DATE.

Today is XX/XX/XXXX almost XX/XX/XXXXto date EACH ATTEMPT HAS FAILED AND I'VE WAS LIES TO HUNG UP ON CHASTISED, TRANSFERRED AND  DENIED ANY ASSISTANCE.  Family and Medical staff has witnessed the verbal Harassment I endure when speaking with Reps on telephone.  

After informing XXXX this afternoon how Egregious his co-workers behaviors has been assisting me XXXX commenced to do same.  XXXX put words in my mouth, took Offense because over comment I made regarding info giving to me they received from website about consumers legal rights.  XXXX twisted that and SURELY NOTED FALSE STATEMENTS ON MY ACCOUNT THAT I SAID I SPOKE TO AN ATTORNEY.  XXXX continued being Combative, refused to give me further information regardless of me Pleading to him not to TWIST MY WORDS.    

XXXX, XXXX and XXXX were the last 3 within 1 week continuing with with behavior.  XXXX and XXXX Refuse to divulge any pertinent information for HARDSHIP PLAN.  XXXX Blatantly stated

YOU CANT PAY YOUR BILL NOW WHY WOULD I OFFER YOU  A HARDSHIP PLAN, YOU HAVE NO RIGHT TO QUESTION ME, WAIT UNTIL YOUR 2 MONTHS BEHIND AND CALL BACK THEN  

XXXX I feel was TOTALLY DECEPTIVE with his Antagonistic answer when I tried to ask any further question he DENIED ANSWERING directed I call another source for assistance XXXX at XXXX WHICH IS NOT WELLS FARGO.  XXXX lead me to believe it was until my family called the number while I was speaking with XXXX and discovered its an Agency to help you with your bill.

XXXX then transferred my call to XXXX.  I was in duress now on verge of XXXX XXXX.  XXXX  STATED THIS IS THE EXECUTIVE OFFICE YOU WERE TRANSFERRED TO RIGHT OFFICE"  seemed as though he was going to help, wanted to transfer my call to someone he stated could help me.  I began to plead and cry tell him I PAY MY BILL ON TIME EACH MONTH, WHY CANT I GET HELP FROM SOMEONE RIGHT NOW, IVE BEEN CALLING FOR ALMOST 2MONTHS.  

XXXX continued INSISTING HE NEEDED TO TRANSFER ME REGARDLESS OF HARASSMENT BACK TO SAME EGREGIOUS HARASSERS.  SUDDENLY XXXX  DISCONNECTED MY CALL. XXXX CLAIMED HE REPRESENTED THE EXECUTIVE TEAM

XXXX as a Wells Fargo Employee has no LEGAL RIGHT TO DIRECT CONSUMERS TO CONTACT SUCH AGENCY WHEN THAT IS NOT WHAT A CONSUMER ASKED TO DO.  Ive been trying to get them to WAIVE MY 1ST MISSED PAYMENT IN XXXX LATE FEE AND GIVE ME A HARDSHIP PLAN.  INSTEAD WELLS FARGO EMPLOYEES MAY BE IN ANOTHER SCAM TRYING TO PUSH CONSUMERS IN DEFAULT PURPOSELY BY WITH HOLDING INFORMATION.  

Wells Fargo has not reached out to me.  My phone records proves it is me and others who ATTEMPTS TO CONSTANTLY CALL THEM.  Wells Fargo called today from XXXX after I answered they hung up.  The minute count recorded that also.  No one said HELLO NOTHING, my FAMILY WITNESSED THERE SCHEME/SCENARIO.  

SURELY WELLS FARGO EMPLOYEES HAS FRAUDULENTLY NOTATED AND CONJURING UP LIES TO COVER THERE INCOMPETENCE ON MY ACCOUNT.  I AM SO AFRAID OF THIS BANK IS CAPABLE OF.

Im afraid FACT BEING Fraud thats going on with Wells Fargo to date.  How they will GO AGAINST ME BY USING MY SOCIAL SECURITY NUMBER, INITIATING PHONY ACCOUNT IN MY NAME OR USING MY INFORMATION TO HARM ME IN OTHER WAYS BECAUSE IM REPORTING THEM.  

Stated in attached letter sent to the CEO and Board Members of Bank to date my CONCERNS has gone Unanswered.   XXXX

PLEASE HELP ME I PAID THIS COMPANY ON TIME EVERY MONTH UNTIL I TOOK ILL.  THEY DONT CARE. THEYD RATHER FORM A NEW WAY TO DECEIVE INNOCENT SICK DISABLED CONSUMERS!!  UNJUST-ILLEGAL AT HIGHEST FORM



  

Begin forwarded message: 

From: XXXX XXXX 
Subject: RE: XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX NJ--CALLED SEVERAL TIMES LAST WEEK ALL REPS EGREGIOUS XXXX AND XXXX EXTREMELY XX/XX/XXXX
Date: XX/XX/XXXX at XXXX XXXX EDT
To: XXXX, XXXX, XXXX, XXXX, XXXX





Dear Madam/Sirs,

I'm writing to you on behalf of XXXX XXXX XXXX as her caretaker.  She is XXXX ill.  Has called several times from her hospital to bed.  I listened to her inform Wells Fargo Employee's of her dire situation.

Each time XXXX XXXX has been DENIED information regarding enrollment into a Hardship plan.  XXXX XXXX has informed me she has never called Wells Fargo, never late on payment or
inquired to see if she's one of the Millions involved in an Fraudulent account set-up.

This women has been trying to simply Live and get back to good Health.  For her to call this bank, inform these reps and there attitudes towards her were Mundane, Drab, Muted, Uninterested I find an Heartless representation of people with all the troubles Wells Fargo has caused Consumers.

XXXX and XXXX were Horrifically Rude Combative, Curt, Brash and Abrasive speaking individuals on XX/XX/XXXX even after she informed them was in the Hospital needing help. XXXX came to the line as an Supervisor? XXXX  and others refused to give XXXX XXXX information regarding Hardship. I told her to ask for a  supervisor whom was XXXX?  XXXX audaciously ridiculed XXXX XXXX stating:

 "if you can't pay your bill now why would I offer or tell you about a hardship plan"  XXXX then proceeded to take up for how XXXX handled XXXX XXXX refusing information in place occording to Consumer Laws.

XXXX call with XXXX XXXX became ver Threatening and Combative to the point it will also be reported to the FCC.  XXXX has no right to tell Consumers

"If You Can't Pay your Bill Now Why Would I Give You Information. You Have No Write To Call Here And Question Me, I Don't Have To Tell You, Wait Until Your @ Months Late Then Call Back."

XXXX XXXX can be reached at XXXX-- If you Do Not Get Her on First Call Please Call Back To Back To Back.  She's been incapacitated and her movement is slow.

                    
Truly yours,



Concerned Relative

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 non-monetary relief