Product: Credit card

WELLS FARGO HAS REFUSED TO ADDRESS FRAUD FOR YEARS, ON RECORDED CALLS CITING MISCONDUCT AND HOW THE REPORTS WERE LOST. THEY FINALLY LOOKED INTO FRAUD AFTER 3 YEARS AND THEN CITED I WAS LIABLE BECAUSE I PAID THE BILLS, HOWEVER SAME AS THEY ARE NOW ARE HARASSING ME DAILY WITH CALLS AND LETTERS TO MAKE PAYMENTS FOR FRAUD. 

HOW CAN THEY PENALIZE ME FOR NOT PAYING THEN CITE IM LIABLE FOR FRAUD IF I DO PAY? 

I am writing to formally document my ongoing concerns regarding Wells Fargo 's mishandling of a fraud case that I initially reported in XX/XX/year>. Despite my repeated attempts to address fraudulent charges, including those from a company named XXXX, Wells Fargo has failed to resolve the issue. These charges, which I have been reporting as fraud for years, remain unresolved, and Wells Fargo has continuously refused to take appropriate action to address them. One of the fraudulent charges in question is from a XXXX  I have never seen, for {$490.00}, along with other charges from XXXX in XXXX and other entities that I have reported as fraud. Despite my continuous reporting, Wells Fargo has mishandled my case at every turn. On recorded calls, Wells Fargo representatives acknowledged that they lost the fraud case but still continued to cite my liability because I made the payments. These payments were made under the assumption that Wells Fargo had properly addressed the fraud. They told me that I was required to make these payments to avoid penalties and damage to my credit, even though they had not resolved the fraud issue. Since then, Wells Fargo has claimed that I am now liable for the credit card bill, stating that making payments was considered an admission of liability for fraud. Despite this, the bank has continued to charge me thousands of dollars in late fees, causing further financial hardship. I am penalized for not paying bill on time, then when I pay Wells Fargo uses that to hold me liable for fraud? How many customers can Wells Fargo scam over the years? These actions are illegal and raise serious legal concerns, violating several consumer protection laws : The Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : Consumers have the right to dispute fraudulent charges and must not be held liable if proper notice is provided. Wells Fargo 's failure to address my dispute and their imposition of fees and interest violates this law. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting fraudulent information to credit bureaus without conducting a proper investigation and correction after being notified is a violation of the FCRA. Regulation E, 12 C.F.R. Part 1005 : This regulation protects consumers from unauthorized electronic fund transfers. Wells Fargo 's failure to resolve the fraud case in a timely and accurate manner violates Regulation E. The Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : Charging interest and fees on fraudulent charges constitutes an unfair and deceptive practice under TILA. Florida State Consumer Protection Laws : Under Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), businesses are prohibited from engaging in unfair or deceptive practices. Wells Fargo 's actions, including mishandling fraud reports and imposing charges on a fraudulent account, violate these protections. As a permanently XXXX individual, I am entitled to additional protections under both federal and state laws. Wells Fargo 's failure to address the fraud, their continued imposition of excessive fees, and the negative impact on my credit only exacerbate the financial and personal challenges I already face.