Consumer complaint received 2019-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX received an alert on my personal banking app ( not Wells Fargo , do not bank with them ) that my credit score dropped almost XXXX points - immediately went and obtained my annual free credit report and saw I was listed on a default line of credit over {$10000.00} JOINTLY in my ex-husbands name - have had no cards, access to account, or knowledge of my involvement with this account in years ( only thing I knew was that my ex husband has added me as an " authorized user '' to be able to call in and make payments if he used his card for household expenses over 8 years ago and he said he had removed me since ) I disputed the report on XXXX and asked ex husband if he did indeed remove me - he said he had. 

XX/XX/XXXX - XXXX dispute came back as a verified account. 
I contacted Wells Fargo and was told by them I was JOINT in the account. I told them I was never aware of being added as a JOINT account holder and have had no access of knowledge of the account or usage for many years. I tried to dispute but they said I would require a police report to open any investigation of fraud. 

XXXX XXXX Ex husband said that he verified I was still listed on his personal line of credit and tried to remove me at a Wells Fargo branch and was told that it was impossible because the account " wasn't set up that way. '' He immediately closed the account since he then realized he was incurring debt and delinquent reporting in my name. 

I kept trying to resolve by calling Wells Fargo but kept getting nowhere. I asked for verification that I applied for this account jointly - they said they had none on file. I asked for verification that I was added jointly with my knowledge, I kept getting transferred to multiple agents that took hour and hours and were never were able to tell me anything. 

XXXX, XXXX - I received more credit alerts that my credit score dropped again ( down the XXXX now ) because the closed account was over the limit and my ex husband had stopped making payments. 

XX/XX/XXXX - Went to the police department to file a report for fraud since these were NOT my charges, not my delinquent reports, and NOT my responsibility. I was told by the officer I had to go in to the local branch and obtain a letter verifying fraudulent activity before they would pursue it. 

Went directly to the local branch and met with a banker. After hours of digging this is what they were able to tell me : Account opened solely BY my ex-husband in HIS name only : XX/XX/XXXX I was added as a " co-user '' : XX/XX/XXXX They have NO record of my acknowledgement to being added to the account or any signatures or confirmation from me. 

The banker said I should not have any responsibility with the account and should be able to be removed but somehow I was added as a " co-borrower '' which made the account read as JOINT. She called multiple representatives and we spent over an hour trying to find out how this happened - with no answer or resolution. 

I was given a CASE # XXXX and told an investigation would be started to verify what happened and remove me from the account. I was told to wait a few days and call for an update. 

CALLED : XX/XX/XXXX was told my case had still not been assigned " wait a couple more days '' - they were making departmental changes and they were still behind from a settlement ( I had NO idea of any settlement - and NOW I realize there was a class action lawsuit regarding EXACTLY what was done to me ) CALLED XX/XX/XXXX : was told it was still not assigned, they were still investigation cases from XXXX and would be in touch As of today, XX/XX/XXXX my credit score has dropped from XXXX to XXXX solely from this delinquent account that is NOT MINE and that I DID not make charges to. 

It has ruined my credit, my ability to refinance or consolidate any loans. I can not get any answers or resolution from Wells Fargo regarding what they have done. 
All of MY accounts are current and in good standing - my history speaks for itself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation