Oh and next time they call get your account number and the fax number..use these on the cease and desist letter along with the original account information
Received a call from 320-534-4383, stating not a sales call, but a debt collector, couldn't make out the name something Christopher and associates, gave an 800 to call.
Collection agency.. Wells Fargo attempt to collect their overdraft fees that are fraudulently attached to cards and accounts after a cancel of their service..
Wells Fargo manipulated dates of debts and deposited to cause overdraft fees..they have been found out on this and yet the regulatory agencies have done nothing about it..
They will harass you for month's and then sell the dept to a collection agency..
you can easily stop them by siting the fare debt protections act and send them a cease and desist letter..
you can also legally FAX them the cease and desist letter...I have done this and it worked...
Oh and next time they call get your account number and the fax number..use these on the cease and desist letter along with the original account information
Well they just started with me today and 3 calls in one hour already!! This is a debt collector that purchases OLD accounts that are not legally collectable any more (way past the time they have to collect) Send them a cease and desist letter via certified mail and they will stop. Example:
CEASE AND DESIST LETTER
June 27, 2011
Your name
And Address
J.C. Christensen and Associates, Inc
215 N Benton Dr
Sauk Rapids, MN , 56379-1530
Re: Account Numbers: unknown since you don’t leave a message
Dear Debt Collector:
Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Minnesota Attorney General’s office. Civil and criminal claims will be pursued.
Sincerely,