XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of. 
