Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list XXXX an attach page. I look forward to your response. Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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: Hi, I filed a dispute with wells fargo ( claim number XXXX ) and as strange as it sounds - wells fargo refused to actually process and investigate the claims. I first noticed that there has not been a provisional credit issued- so I called. and I was told the claims department would selectively process claim ( strange ), and because it is a higher amount, they might choose to delay it. My claim has been stuck for the past 3 weeks with no updates- when I called to ask, no information is given either. I am filing a complaint so that my claim can be properly investigated and taken care of. I am uploading additional information for the claim here as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I currently bank with Wells Fargo. On around XXXX on Wednesday XX/XX/XXXX I received a call from XXXX with a Wells Fargo caller ID, which is a legitimate Wells Fargo number. The representative informed me of supposed fraudulent charges. However, these were scammers who somehow spoofed the number. In a panic trying to stop the fraudulent charges the scammers tricked me into sharing personal information to verify my account ( last 4 of social, debit card number, debit PIN number, DL number, one-time-passwords ). The scammers used this information to continue submitting fraudulent charges. Looking back its hard to believe I fell for this but it was a legitimate Wells Fargo number. They then claimed to have cancelled my debit card and were working to refund the charges and would call me the next day on Thursday XX/XX/XXXX. I woke up the next morning and saw another fraudulent charge come through. Questioning how another charge could come through after my debit card was supposedly canceled I called Wells Fargo myself who informed me that the representative I spoke to did not work for Wells Fargo ( and then actually cancelled my debit card ). The scammers stole a total of {$7800.00} from me using the wire transfer services of XXXX XXXX XXXX. It was a very elaborate scam as they knew a lot of information that I thought only my bank could know including the exact amount of the fraudulent charges ( because they were making them ) and my checking account balance. After all of this I submitted a police report and filed a claim with Wells Fargo for the fraudulent charges. Wells Fargo temporarily credited my account while they investigated the claim. Today on XX/XX/XXXX Wells Fargo reversed the credit and denied my claim. When I called to ask for an explanation they would not provide one and simply stated my claim had been denied. I have ample evidence to prove this was fraud and Wells Fargo was unwilling to help in the slightest. Wells Fargo told me to take it up with XXXXXXXX XXXX XXXXXXXX who were also unwilling to help. This is clear cut fraud and Wells Fargo should be reimbursing me. If they refuse then it should be XXXXXXXX XXXX XXXX. The money was sent to people I have no connection with in different countries. I would greatly appreciate help in getting these funds returned, Im not sure who else to turn to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Wells Fargo account. Account belongs to my estranged husband. Who added my name to his account without my knowledge or consent. This I believe happened in XXXX of 2023. When I became aware of this I requested he have it removed. He called wells Fargo and made request. Today I checked my credit report on XXXX XXXX, XXXX and XXXX and i have it listed on these reports resulting in a XXXX point credit drop. I want this removed ASAP I had planned on purchasing a home and this has caused severe damage. I believe this is tantamount to fraud as I did not give permission for this either verbally or in writing. This is extremely poor practice. What would stop someone from adding XXXX XXXX name to all their accounts. Please help get this corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lost my phone. Someone used it to make purchases in the amounts totaling XXXX dollars. Someone then turned my phone into the police station. They changed my account number and replaced my bank card but only refunded XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: The lender would rescind the trustee 's sale and allow the process to continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I don't really don't remember when I called I do know it was either at the end of XXXX or beginning of XXXXThe representative told me my account was close and no way to open it backup and was still trying to make me, make a payment. i did not closed the account at all but I am currently making payments. I have been a member of Wells Fargo for over XXXX XXXX my account has always been in good standing and i just fell on hard times due to lack of hours and prices has risen. I was not getting my emails for the account or calls to let me know my account was being close or how to correct the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo did nothing to stop the fraudulent activities committed to my account and in fact charged me fees and eventually shut my account down.. they refuse to provide any account info to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Dates and amount and I can't access the account number on my pay stubs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: More than 3 months ago I requested a XXXXXXXX XXXX XXXX to my bank Welss Fargo, due a system restrictions from them that doesnt allow to send a passcode to my mobile phone number registered with them. The device never arrived and all the time that I need to do some bank procedures like a XXXX transfer the system requires the code from that device saying that I already have one. Please send the XXXXXXXX XXXX XXXX requested long time ago to be abble to use my account. Right now im fully limited, making baking with them almost impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A