Wells Fargo Auto Finance Violating consumer rights and our SCRA rights, and harassing husband while in IRAQ Phoenix Arizona

If your husband was active duty military deployed or a contractor, him getting hurt should not affect his pay, especially if he stayed out there after his injury. The SCRA has nothing to do with someone getting hurt, it is used to protect you if your husband was military and was not able to make payments on your home because he was making less deployed than he was back in the civilian sector.

No, if he is a contract worker, the SCRA doesn't help, but, you have alot of things against them. They are not allowed to contact him , or employers at work. For instance, if he says " I can't take calls from work", they cannot call. If your husband lost his job because of this, he has a case. The can only call other such as you said regarding your elderly parents ( which is just sick by the way). They can only call other people in an attempt to locate. They cannot in any fashion disclose what the call is for. To anyone but the person on the note.

They , in your instance, are in violation of the Fair Credit reporting act.

Depending on which state you live in, it may or may not be legal to record the calls unless you notify them that you are doing so. In other states, you can and not have to tell them. So check your state laws regarding that.

It is my understanding that several suits against these practices, are in the works, specifically, against Wells Fargo. I will also include the name and address for the VP of Collections at Wells Fargo. Send him and e-mail, and follow up certified letter that no one is to contact anyone regarding this account except for you, and if you husbands name is the only one on the account, have him give you a POA ( Power of Attorney) you shouldn't have to , but they will try to say you do.

so write them via e-mail, and fax is even better, a letter stating any call restrictions. For instance," we can not take calls at work" You are not to contact anyone but mme, and I am available at ______ time of the day. If you are busy, you are within your legal rights to say " this isn't a good time" and give them another time. If they continue in spite of you telling them, not to call work, etc etc, they are inviolation of the Act. After 9:00 is illegal.

e-mail or fax Alex Alverez. He runs collections for Wells Fargo His direct phone number is 480-337-2992 his fax number is 877-298-9121 His e-mail is alexalverez@wellsfargo.com. FAX him a letter and tell him the restritions on phone calls to your husband , his pace of employment and any other times that are not convienient . The have the right to discuss the account with you. so give them a time. Other than that, they cannot harrass you, but they are trained to.

Mr Alverez will tell you about the same stuff that the colletors do. doesn't make it so. state clearly your restrictions in the letter, and get the confirmation of the fax reciept. Keep your eye out for the legal cases. They are coming.

Hang in there and tell you husband to stay safe, and even if he is just working there, we appreciate his service in support of our troops.



In the meantime, I HIGHLY recomend that you resport this to the regulators at the department of treasury,

Customer Assistance Group

Comptroller of the Currency

1301 McKinney Street, Suite 3710

Houston , TX 77010

Telephone: 800-613-6743

E-mail: Customer.Assistance@occ.treas.gov

Internet: www.occ.treas.gov

Is your husband in the military? Your report says he's in Iraq & 'working with the allied forces", but is he actually in the military or a civilian worker? If he's not in the military then the SCRA does not cover him. Also you indicated that you only fell behind after he was injured. Did he not receive pay during this time? If he was injured in the job or had any benefits, he still should have been paid during this period.