ACA Mediation

Oct 2019Received unknown call from “process server” saying he will be serving my brother papers this week once I confirm a “good” address unless I call 956-395-1070 with a case number. Company claims to be ACA Mediation.I handle all my brothers affairs as he’s currently out of commission. Paul at ACA Mediation 956-395-1070 *302informed me that my brother is in breach of a legally bonded contract with Wells Fargo Bank. They gave me an a checking account number as well as a file #. They stated that in 2009 he closed a checking account at Wells Fargo and didn’t pay back $597.82 Which had been overdrawn on his acct. They stated that this amount has been increased to $749.92 due to interest and delinquency fees. They said they can pursue him for $2249.76 not including court, filing and attorney fees. They stated that they had repeatedly sent letters to an old address (14 years ago) and received no correspondence from him. Due to his lack of correspondence to Wells Fargo, this debt went to collections and is now in mediation phase. Paul gave me 3 options otherwise this would proceed to court. The 3 options were:1- payment plan to pay full amount in 10 payments.2- they would decrease amount to be paid to original amount of debt ( $597.82)3- DisputePaul stated that this could be voluntary restitution and if not it will be forceful recovery through the courts.They verified his date of birth with me and charged my debit card. I asked for proof of this dispute in writing that included details, but Paul stated that all I needed was the closed Wells Fargo acct number that he provided me and the receipt from ACA Mediation that this debt was paid in full. He then proceeded to tell me that I can use the “paid in full” letter as proof for the 3 credit bureaus.

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