Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Request for Investigation and Action Regarding FDCPA, UCC, and Consumer Rights Violations by Wells Fargo and The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate serious violations of federal and commercial laws involving Wells Fargo Bank , N.A . and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These entities are pursuing an alleged debt against me under XXXX XXXX. XXXX, despite numerous violations of my rights as a consumer and secured party. 

Violations of the FDCPA and My Consumer Rights The parties mentioned above are in violation of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Failure to Validate the Debt : Despite my lawful request, neither Wells Fargo nor their attorneys have provided proper debt validation as required under 15 U.S. Code 1692g. Statements or account summaries are not proof of a debt ; they are merely records of account activity. No original signed contract or admissible evidence has been provided to establish the debts legitimacy or my liability.

Continuing Collection Efforts Without Validation : Collection activity has continued without first complying with the validation requirement, a clear violation of 15 U.S. Code 1692g ( b ). 

UCC Violation Filing Number XXXX Furthermore, Wells Fargo is in violation of a lawful UCC Financing Statement filed under XXXX Filing No. XXXX, which establishes a valid and perfected lien on my legal person and all associated property and assets.

According to UCC 9-322 ( a ) ( 1 ) ( Priority of Liens ), the rule of " first in time, first in right '' applies : Conflicting perfected security interests rank according to priority in time of filing or perfection. 

This means Wells Fargo is not first in line, and therefore has no legal standing or superior claim against my property or interests. By proceeding with collection and litigation, they are knowingly attempting to bypass a perfected senior lien, which is a direct violation of UCC priority rules.

Demand for Action In addition to the above, I am formally demanding that : The CFPB investigate Wells Fargo and its attorneys for their failure to comply with federal debt collection laws, That the CFPB enforce the protections afforded to me under FDCPA, UCC, 15 U.S. Code, and 12 CFR, And that they be compelled to immediately dismiss Case No. XXXX and cease all unlawful collection activity. 

Summary of Applicable Violations FDCPA Violations 15 U.S.C. 1692g ( a ), 1692g ( b ), 1692e UCC Article 9 Priority Violation UCC 9-322 Deceptive and Unfair Practices 12 CFR Part 1036 Violation of Lien Rights Interference with a lawfully filed UCC Financing Statement I am prepared to provide supporting documentation, including a copy of UCC Filing XXXX XXXX and prior correspondence with the aforementioned parties. I respectfully ask for a formal investigation and appropriate enforcement action. 

Thank you for your time, attention, and dedication to protecting consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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