Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, I swear and affirm the following facts. I am invoking my specified remedy as a consumer under Federal Law 15 USC 1692. Of the FDCPA. As a federally protected consumer my privacy has been willfully violated pursuant 15 USC 1692a. WellsFargo Bank violated and failed to comply with my cease and desist and still is continuing to contact me. They had a representative for the company name XXXX XXXX call me on XX/XX/2021, who I did not give my location information, I also didnt give permission or clearance for him to contact me. I am a federally protected consumer who has a right to privacy, XXXX infringed on my right to privacy by calling me on behalf of the company which he can not do again he can not speak on anything concerning me with in regards to the consumer credit transaction as he was not present and hes operating off of hearsay, and infringing on my right as a consumer to privacy. He also called me at an unusual time or place known or which should be known to be inconvenient to the consumer pursuant to 15 USC 1692c ( 1 ). He also stated in our phone conversation that WellsFargo gave me a loan and loaned me funds to purchase a vehicle, which is a lie because banks cant lend money banks are borrowers pursuant to 12 USC 1431. I never received a loan in my life, I initiated a consumer credit transaction which I granted WellsFargo Auto the right to extend credit, my credit card was used to originate this consumer credit transaction and where an open end credit plan was used. As I stated in my Affidavit of truth that Wellsfargo auto has yet to rebut line by line each statement made, so it stands as truth and a matter of fact in law. The agent / representative XXXX XXXX stated in the phone call that a so called contract is valid and that they would continue to ask me to provide the amount due on they alleged account. But, then said he was not attempting to collect a debt which is a violation of 15 USC 1692e ( 11 ) for failing to disclose that to me communication relates to the collection of a debt.. WellsFargo Auto also failed to disclose this to me in their initial communion with me which is also a violation of said law. XXXX stating that Wellsfargo loaned me funds and that I am liable and have a valid contract with them and they will continue to ask me to provide the amount, is a violation 15 USC 1692b ( 5 ). XXXX XXXX, Wellsfargo Auto or not even a judge can tell me I owe a debt or that I am responsible to provide the amount for an alleged loan/debt pursuant to 15 USC 1692g ( c ). He used obscene and profane language in his conversation to me and has caused me great anxiety and mental distress.He seems to think he and WelllsFargo dont have to follow or are exempt from federal law. He went on to say that they will not respond to my Affidavit of Truth, which means they have failed to respond or rebut my sworn affidavit of truth. Which means their silence must be construed as default and my affidavit stands as truth in law! 
Lastly, I am documenting this and stating one last time to Welsfargo Auto that they are on notice and demanding they comply with my Cease and Desist and not contact me regarding this alleged debt anymore unless they are invoking my specified remedies or that they intend to invoke a specified remedy or to advise that further efforts are being terminated, Pursuant to 15 USC 1692Cc ( 1 ) ( 2 ) ( 3 ). You can see their violation of this cease and desist in the attached exhibits of the transcript of said phone call. 

Also, if anything involving this consumer credit transaction is being reported to my consumer credit report I am asking that they take if off and stop reporting it immediately, as it is a direct violation of my right to privacy and factual information involving a consumer credit transaction. Failure to do so will make them liable and in violation pursuant 15 USC 6802b ( 1 ). If anything else is reported involving this credit transaction with Wellsfargo such as late pays, charge-offs, derogatory information, anything to defame my credit Wellsfargo Auto will be responsible for such violations under federal law and they will pay. Again, I am a federally protected consumer under Title 15 chapter 41.

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