Opinion ID: 2731117
Heading Depth: 2
Heading Rank: 3

Heading: Unreasonable collection efforts claim.

Text: In Texas, “[u]nreasonable collection is an intentional tort.” EMC Mortg. Corp. v. Jones, 252 S.W.3d 857, 868 (Tex. App. 2008). To be liable for unreasonable debt collection, the debt collector must employ “efforts that amount to a course of harassment that was willful, wanton, malicious, and intended to inflict mental anguish and bodily harm.” Id. (quotation marks and citations omitted). The Langlois assert that Wells Fargo erroneously assessed late fees and made accounting errors when the Langlois first began making payments under the LMA. The district court found, and the Langlois do not dispute, that Wells Fargo reversed any improper fees or charges due to its own internal accounting errors. Accordingly, the Langlois have failed to show that Wells Fargo engaged in unreasonable debt collection efforts.