For those of you being harrassed, this website is GOLD re: getting rid of overzealous and illegal collectors (for instance, they can't come back to you 20 years after certain debts etc.).
Once on the website, Clark Howard has a ton of very helpful links to gov't agencies dealing with this sort of stuff.
I've never had a Wells account in my life, and they have called me 5-6 times per day for the last 2 weeks, as recently as 7:30 this a.m. (Memorial Day... really). When I answer, no one is there. I'd love to tell them they are calling the wrong person but there is no one to speak with on the other end.
You are a fool. If they are calling you, that means you arent paying your bills. Some could consider this a deadbeat. Calling once you are late, is honestly standard business for many financial institutes. They are trying to protect their business from a loss. If someone owed you money and you weren't sure they were going to pay it, do you think you would call and ask where it was? I think so. They do not, "immediately report you to the credit bureaus". They have to follow the same laws as the other financial institutes. After 30 days of a late payment you are reported the credit bureaus. Before you ignore all of your bill collectors numbers, you should be aware that if they try to call you on an up to date account, say for a reason like suspected fraud, you may not get their calls. Try to be more responsible, and keep paying down all of your credit cards. If you don't have the money, then you don't need!
This would actually be Wells Fargo Financial. They are one of those together but separate type of deals where they have always been part of Wells Fargo but have, in the past, done business separately. They have come together more and more with the current economy.
I have tired to explain to them that by calling so much they are defeating their own purpose as each call only delays my paying them. They are extremely nasty when they call and treat you like you are guilty of a felonious act by having trouble staying on top of bills. All the while having absolutely no understanding of how the current economy is affecting people. I would imagine that some of the individuals that call have similar problems but still treat you like you have no business falling victim to any situation that keeps you off of their list.
I have gone as far as telling them that I would be more than happy to move out of the house and let them have it but that I would be blowing the gas meter on my way out. And that it's not my fault that they loaned well more than the house has ever been worth because of their shady business practices. I find that any time I actually make the mistake of answering their calls they get so nasty that in response I throw that or similar statements at them before hanging up on them.
I got to the point that as soon as they would "advise" me that the call may be recorded I would just hang up. Now I just don't answer to save the trouble of having to hang up on them.
That's funny because it worked for me! I ended up getting $28,000 minus attorneys fees. So YOU need to not tell someone incorrect information! It was ridiculous how much I was getting called. I don't even have an account with Wells Fargo.