Debt collection -- Took or threatened to take negative or legal action -- Complaint #4777742
Complaint Overview
Complaint ID: 4777742
Company: Wells Fargo & Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Texas
ZIP Code: 76134
Date Received: 2021-10-04T12:00:00-05:00
Date Sent to Company: 2021-10-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead coorporation. Wells Fargo Auto has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like XXXX which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX TX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$5900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is Wells Fargo Auto sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave Wells Fargo my information. I gave it to XXXX XXXX TX, XXXX and not Wells Fargo Auto. Wells Fargo Auto also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. Wells Fargo Auto said they are not governed by the FDCPA which is false and misleading information which can result in Wells Fargo Auto Being Liable for damages. Wells Fargo Auto sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy.
Frequently Asked Questions
What is Complaint #4777742 about?
Complaint #4777742 was filed against Wells Fargo & Company regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-10-04T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.