Date Received: 2023-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against WELLS FARGO CARD SERVICES/ WELLS FARGO, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, I am making this complaint against WELLS FARGO CARD SERVICES/ WELLS FARGO, for committing identity theft. I have never given WELLS FARGO CARD SERVICES/ WELLS FARGO, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with WELLS FARGO CARD SERVICES/ WELLS FARGO and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving WELLS FARGO CARD SERVICES/ WELLS FARGO any right to collect on this alleged debt. I have never received any documentation requesting validation from WELLS FARGO CARD SERVICES / WELLS FARGO, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO CARD SERVICES/ WELLS FARGO, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO CARD SERVICES/ WELLS FARGO, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO CARD SERVICES/ WELLS FARGO, continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO CARD SERVICES/ WELLS FARGO, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. WELLS FARGO CARD SERVICES/ WELLS FARGO shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I am not sure but I had checking accounts with XXXX XXXX XXXX. Wells Fargo and XXXX Bank. And I just heard about your order to XXXX XXXX XXXX to pay customers. I may be a client that these banks owe money to. But I dont know how to make sure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo Bank repeatedly allowed fraudulent transactions to all my accounts costing me over $ XXXX and credit reports problems. They refuse despite DC police report XXXX and other evidence from XXXX XXXX, DC DISB to acknowledge and take responsibility for the fraud. My address for banking was XXXX XXXX XXXX DC XXXX. Fraudulent transactions was done in 2019 especially in XXXX and XXXX. .All accounts was affected XXXX. XXXX and all other accounts including checking and savings was compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have had several transportation disputes and the majority of my claims were correct and I was compensated buy Wells Fargo. When on XXXX I received a call from Wells Fargo stating that to protect the account they were suspending my debit card privileges for a year. I find that to be a punishment for something that is not my fault.i should not have my rights and privileges taken away from me for others mistakes and Wells Fargo should not take away my card privileges as I have several accounts that only have debit services online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68502
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Monday XX/XX/2023 at XXXX I got a phone call from what appeared to be WellsFargo. The caller ID read WellsFargo and the number was XXXX. As I answered the phone call they stated it was XXXX from the WellsFargo Fruad dept. They wanted to speak to XXXX XXXX that this was in regards to a credit card of mine and they gave me a number that matches one of my cards. I told them it was me speaking and they went off to tell me that there was a red flag on my account, a transaction for {$350.00} by XXXX XXXX if it was me that approved the transaction. I told them no so they said they were going to send me a text to the phone on file to verify my identity and stop this transaction. They sent me a text and I gave them the security code that was sent to me. This is a text I have seen from Wellsfargo before to identify my Identity. I will attach picture of how it came in through the same text log that wellsfargo has sent me before so i honestly thought this was Wellsfargo. I logged in to my wellsfargo app and noted there was a wire transfer for {$13000.00}. I immediately asked them about it and they said there were sending me another text to stop online banking so they this fraud transactions would stop. They sent me text and I read the code back to them then they told me I had to press certain numbers on my phone so that they could activate the alerts on my phone. I had to dial XXXX. Then I noticed there was another wire transfer for {$9100.00}. At this point I got very nervous and I did let them know I was not comfortable with the situation that I suspected something didn't seem right and they said there were cancelling my card associated with these transactions and that they would give me a tracking number for me to stay on the phone. I hung up an called wellsfargo myself. When I hung up i got text messages supposedly from WellsFargo asking them to call back at XXXX that fraud representative was trying to reach me. Once I called WellsFargo myself I asked if they had called me and they asked me what number was i called from and I gave them the number and i will attach a photo of the caller ID where the call came from and phone number the Wellsfargo rep even stated yes that is our number. But then she looked in my account and told me they had not called and that there were not red flags she could see or fraud stops, then this Rep also sent me a text to to my phone that came under the same text history as the hacker had just done, this text was so that I would allow her to make changes in my account. Wellsfargo now shut down my accounts and online activity and filed a real claim. So I personally nor physically did not send money to anyone. However this money was transferred out of my account. So for the purpose of the report I will say that money was sent/paid out but it was not done on purpose by me. Also 2 days later I realized my phone was not ringing since I got off the phone with the scammer. I spoke to a XXXX associate and they asked what I had pressed with the scammer and they told me my phone calls had most likely been forwarded to the number I pressed. They helped me to unforward my phone calls. The bank is telling me they won't help me unless law enforcement investigates. They have even closed my case in less than 48hrs. The name of the person the wire transfers were done was XXXX XXXX to a XXXX XXXX. Acct # : XXXX Routing # : XXXX. {$13000.00} transaction has a XXXX XXXX # XXXX {$9100.00} transaction has a XXXX XXXX # XXXX Agencies notified : WellsFargo Claim # : XXXX Reported XX/XX/2023 at XXXX ( ph : XXXX ) FTC Report # XXXX. Reported on Wed, XX/XX/2023, at XXXX PM ( via online ) XXXX XXXX Police Department Case # : XXXX, Reported on Thursday XX/XX/2023 ( ph : XXXX ) FBI XXXX XXXX Complaint Referral Form filed XX/XX/2023 at XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23. Someone stole my wallet and phone out of my car and was able to access my wells fargo debit card to make purchases and atm transactions. My social security card and debit card other identity items were in my wallet, my pin is the last XXXX of my social so they were able to guess my pin number, they also had access to my phone and was able to approve transactions and get in my wells fargo account in the app, I have a tital of XXXX charges including atm transactions totaling XXXX, I have yet to receive any credit or money back from wells fargo as of XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Identify theft with wellsfargo, wellsfargo asked for documents of the police report, for a few months, they stated multiple times they did not receive them. Send them three times. I got a different representative on the the phone the same day and they did in fact receive all the documents. This account continues to go delinquent affecting my credit. Dealing with this account with fraud from XXXX, every time I call they transfer and hang up. Not sending me any documents to let me know to status of this account. Also did not know this account was rejected for identity theft because they are not sending any documents to inform me of anything. I have a police report, identity theft report and the officer is willing to speak with them regarding this and they still continue to hang up on me and not inform me of what is going on with this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85306
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Between XXXX and XX/XX/2018, while dealing with a severe injury that limited my mobility, my roommate XXXX XXXX stole my ID, wallet, and phone. He fraudulently used my personal information as his own, including making unauthorized charges. These charges began on XX/XX/XXXX, including a {$1000.00} charge at XXXX XXXX XXXX XXXX. Other unfamiliar charges like {$6900.00} at XXXX XXXX XXXX XXXX also appeared, which I didn't authorize. I discovered these fraudulent activities by the end of XX/XX/2018, and I promptly reported them to Wells Fargo. The only legitimate charge I made during this period was for XXXX XXXX XXXX payments. I possess XXXX records of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making it implausible for me to have used the card physical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A