Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice of assignment, sale, and transfer from XXXX XXXX XXXX ( Wilmington Savings Fund Society , FSB, XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX ). Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CO XXXX. XXXX XXXX. ( XXXX ) XXXX. Fax : ( XXXX ) XXXX XXXX. I called my mortgage company, and they indicated that my mortgage had not been assigned, sold, and/or transferred. On XX/XX/XXXX, I received a debt collection notice from XXXX XXXX XXXX ( for {$40000.00} ). I received an additional debt collection notice from XXXX XXXX XXXX on XX/XX/XXXX ( for {$17000.00} ). I returned their forms with the box checked, " this is not my debt. '' I have since found out that a loan was taken out on XX/XX/XXXX, that I have no knowledge of. Or, that I have ever been contacted about until XX/XX/XXXX. In response to my forms checked this is not my debt. I received a notice from XXXX XXXX XXXX dated XX/XX/XXXX. That notice indicated a " cease and desist placed on the file. You will not receive anymore phone call, statements, or other documents '' However, after the above date. I continued to receive debt collection notices on XX/XX/XXXX, XX/XX/XXXX ( first notice ), XX/XX/XXXX ( second notice ), and a letter dated XX/XX/XXXX. I consider this harassment. In response, I sent a letter on XX/XX/XXXX to XXXX XXXX XXXX. In that letter, I pointed out that there is an article in the XXXX XXXXXXXX ( XX/XX/XXXX ) which pointed out that, " Reviving old debt is a common ploy among unscrupulous debt collectors. They may buy debt thats past the statute of limitations for pennies on the dollar then seek to dupe the debtor into making even a tiny payment Under most statutes of limitations, making a payment, even a partial XXXX, resets the clock ... '' In my letter dated XX/XX/XXXX, I asked XXXX XXXX XXXX the following questions : 1 ) Did you first begin contacting me on XX/XX/XXXX, about a debt incurred in XXXX? 
2 ) Do you know the statute of limitations for debt in California is XXXX XXXX  ( XXXX of XXXX XXXX XXXX )? 
3 ) So isnt the statute of limitations for a debt incurred in XXXX, the year of XXXX? 
4 ) Are you trying to trick me into making a partial payment to reset the clock?

5 ) Do you know that Section 807 of the Federal Fair Debt Collection Practices Act says that a debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt? 
6 ) Do you know that California XXXX XXXX XXXX XXXX also prohibits a debt collector from using false, deceptive or misleading representation or means to collect a debt? 
7 ) Are you aware of the numerous Better Business Bureau ( BBB ) and XXXX reviews accusing you of using false, deceptive and misleading means to collect a debt? 
8 ) Are you aware that you are being monitored by the Better Business Bureau due to overwhelming consumer complaints about violations of the Fair Debt Collection Act?

9 ) Did you know the Better Business Bureau has not accredited your business, and has assigned you a D+ rating?

10 ) Did you know that there is a class action suit against you for unlawfully reporting to the credit bureaus debts that were delinquent more than XXXX XXXX 
11 ) Are you trying to unlawfully report a charged off debt regarding me? 
I never received a response from XXXX XXXX XXXX for any of the above questions. But in retaliation, I received a letter from them dated XX/XX/XXXX, threatening all of the following : to accelerate the loan ; start foreclosure by judicial proceedings ; sell the property; gave notice of default ; will report this default, and all foreclosures to the major credit bureaus ; and will file suit to seek deficiency judgments against borrowers. 
To sum up, fraud means wrongful or criminal deception intended to result in financial or personal gain. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX ) is committing fraud. They are trying to use deception to result in their financial gain. XXXX XXXX XXXX is trying to revive an old debt from XXXX. But the statute of limitations is XXXX XXXX  ( XXXX of XXXX XXXX XXXX ). The statute of limitations ended in XXXX. As a result, the debt is no longer collectible. I am asking XXXX XXXX XXXX to stop all collection efforts as a result. Thank you

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