Product: Checking or savings account

The Account ending in XXXX : 1 ) Froze/Closed legitimate Wells Fargo Checking Account : Freezing ( XXXX XX/XX/XXXX ) and closing ( XXXX XX/XX/XXXX ) my Wells Fargo account without reason or notice. 

2 ) Wells Fargo Entered Three Late Payments For a Now Paid Off Car Loan : Between XX/XX/XXXX through XX/XX/XXXX Wells Fargo lodged three 30 days late payments on my credit reports which were not late. 

Other : 3 ) Wells Fargo Opened Two Fraud Accounts In My Name : This was discovered on XXXX XX/XX/XXXX at XXXXXXXX XXXX  when a man by the name of XXXX XXXX ( XXXX ) called me and demanded I pay {$860.00} for a Wells Fargo account or I was going to be served the same day. 

1 ) Wells Fargo Froze Closed My Legitimate Wells Fargo Account Ending in XXXX : XXXX XXXX of XXXX : My Wells Fargo account ending in XXXX was frozen without notice. I found out while driving on the way back from Texas when I tried to get gas at a gas station. I called Wells Fargo and I was told that my account was frozen and to unfreeze it I had to go to my branch in XXXX XXXX, AL and present ID. I was told that I could not solve the issue over the phone. I advised Wells Fargo that freezing my account left me stranded because I could not buy enough gas to get home. They did not care. 

I am a rated XXXX veteran and I was left stranded in the middle of nowhere and had to borrow money from strangers at two different gas stations because I had only {$50.00} cash on hand to get home to Alabama when Wells Fargo froze my account without reason and would not fix the issue over the phone. This left me EXTREMELY vulnerable as a XXXX female begging for cash at two gas stations along the XXXX for two days. I could not even get anyone to send me money because when they froze my account I had no banking account to send the money to. There are several people I called asking for help that day and they are witnesses. 

Once I finally made it home two days later, my friend took me down to the Wells Fargo branch in XXXX XXXX, AL and brought my ID. No one at Wells Fargo could tell me why my account was frozen and it took 6 hours in person at the bank to unfreeze it. 

XXXX XXXX of XXXX : Wells Fargo closed my account without reason. I found out when I went to make a purchase but it was declined. Again, I had to have someone take me down to the Wells Fargo bank in person in XXXX XXXX, AL and fight for SEVEN HOURS to get my money out of the bank. I was never given a reason for why they shut the account down. While Wells says I shut the account down, in fact Wells Fargo refused access to the account and I spent 7 hours at the XXXX XXXX, Al office trying to get my money back. 

XXXX XX/XX/XXXX : I called Wells Fargo at XXXX to file a claim for the CFPB settlement dated XXXX XX/XX/XXXX against Wells Fargo because they froze and closed accounts with no reason given to this day. I asked for the reason my account was frozen in XXXX of XXXX and closed in XXXX of XXXX. Wells Fargo still can not tell me why, but they told me to go get a lawyer if I wanted to file a claim. 

The CFPB is clear about how to file a claim against Wells Fargo for frozen/closed accounts. I called the XXXX given by the CFPB and asked to file a claim against the CFPB settlement for Wells Fargo frozen/closed accounts. I do not need a lawyer. 

2 ) Wells Fargo Incorrectly Entered Three Late Payments On My Credit Reports. 

Between XX/XX/XXXX through XX/XX/XXXX Wells Fargo lodged three 30 days late payments for a car loan which were not late : 1 x 30 days late each in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

These incorrect late payment reports were disputed on XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX with Wells Fargo and credit agencies which negatively impacted my credit score. 

Wells Fargo deliberately applied the payments late. This is ACTUALLY why the CFPB has taken the consent decree against Wells Fargo ... for applying payments late and charging late fees. 

I have NO other late payments ever on my credit report except Wells Fargo Car Loan. It makes no sense other than Wells Fargo did exactly what the CFPB Consent Decree states : Wells Fargo deliberately applied the payments late and charges fraudulent late fees. 

Because Wells Fargo refused to respond and remove the incorrect information on my credit reports, I ended up paying 3.5 % instead of a lower 3.0 % interest rate on my home loan with XXXXXXXX XXXX in XX/XX/XXXX. Over the thirty year life of the loan the difference in interest rates will needlessly cost me approximately {$12000.00} more. 

While these late payments eventually dropped off my credit report in XX/XX/XXXX, I have the copies of the disputes I filed which were never addressed by Wells Fargo and resulted in a higher interest rate on my home loan. 

3 ) Wells Fargo Opened Two Fraud Accounts In My Name : This was discovered on XXXX XX/XX/XXXX at XXXXXXXX XXXX when a man by the name of XXXX XXXX ( XXXX ) called me and demanded I pay {$860.00} for a Wells Fargo account or I was going to be served the same day. After an entire year of providing documents to Wells Fargo, it was discovered there were in fact two fraud accounts in my name I did not know about as admitted by Wells Fargo. These have been settled with Wells Fargo. SO YES WELLS FARGO HAD TWO FRAUD ACCOUNTS IN MY NAME. 

Enclosed you will find the cashier check stub from Wells Fargo that was FINALLY settled on XXXXXXXX XXXX XXXX, 15 months after the call came from Wells Fargo threatening to sue me if I did not pay {$860.00} for the fraud account Wells Fargo opened in my name. 

You can refer to Wells Fargo Mediation Tracking Number XXXX, Case Number XXXX. 

How is it that you have no idea this happened and claimed you could not find any unauthorized open account when Wells already admitted it and paid them out? 

What is going on there? 


CONCLUSION : Wells Fargo continues to violate laws and CFPB court decree settlement dated XXXX XX/XX/XXXX that has severely negatively impacted customers through no fault of their own. Wells Fargo has no idea what is going on at Wells Fargo. 

I am asking that : 1 ) Wells Fargo stop trying to stop legitimate CFPB claims from being filed and incorrectly telling customers to get a lawyer. 

2 ) Wells Fargo addresses and compensates for my Frozen/Closed checking account ending in XXXX I am asking for {$2000.00} given the fact Wells Fargo put me in such a dangerous situation and stranded on the road when they froze my account and then closed my account without warning or reason and made it extremely difficult to access my money. 

4 ) I am compensated for the difference I now pay on my home loan because Wells Fargo would not remove the incorrect late payment information about my car loan which is {$12000.00}. 

I have all the phone numbers, dates, times and people who I have spoken with at Wells Fargo to date about these issues. If you would like these details, please contact me as I have documents and call logs to support this letter if needed. 

I have witnesses to all of the activities and events if you need sworn statements. I have many documents as well.