Wells Fargo has multiple times taken the liberty to contact my workplace and the references from my original loan (a former girlfriend, my family, and a friend) if I am a couple days behind on my payments. I have made efforts to be communicative with them, and what do I get in return? Being put on hold and having a gruff woman answer and say "Repo Department." Right. Repo department. After like two weeks.
These guys are sociopaths and lawbreakers, plain and simple. According to the FTC website:
"If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney."
I guess that no one informed them that it's illegal to harass their customers' friends, coworkers, and family (after THEY have told them to stop calling them), and go out of their way to humiliate you by telling those people who they are, and that you "have missed a lot of payments and they are going to pursue litigation." WHEN YOU HAVE SCHEDULED PAYMENTS NONETHELESS. I'm four years into this loan and they've gotten every payment out of me. If it's been late, I haven't tried to argue late fees; I've apologized; you try to be up-front and respectful, and this is how you are treated.
I am sick and tired of this, and I am taking this to litigation myself. I don't care if I lose a few grand on it, I am absolutely sick of these antisocial thugs and will gladly do so on principle, since I just got a pay raise.
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