Consumer complaint received 2023-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
GOOD MORNING, MY NAME IS XXXX. I HAVE BEEN A VICTIM OF IDENTITY THIEFT FOR OVER SEVERAL YEARS. SO WHEN WE GO BACK AND LOOK AT THE AGE OF THESE ACCOUNTS, JUST KNOW ON EACH ONE I HAVE FOUND OUT ABOUT THEM A YEAR OR LESS, MOST LIKELY.INTEGRETY AND CREDIBILITY, LETS SEE THE THREE MAJOR THORS HAS BEEN WELLS FARGO, XXXX XXXX, AND THIS XXXX XXXX  BUT ITS ALSO MORE BUT THESE GUYS HAVE BEEN FINED BY THE FTC FOR STEALING ( ACTUALLY TRUE IDENTITY THIEVES THATS HOLDING MY GOOD NAME AND CREDIT UNDER A HOSTILE BLOCK FROM RECIEVING PRIME CREDIT, BECAUSE MORE MONEY CAN BE MADE WITH ME UNDER SUBPRIME CREDIT. NOW LETS JUDGE ME. BESIDES OF THE FRAUDULENT ACCOUNTS THAT IM CLAIMING, MY CREDIT REPORTS ARE ALMOST CLEAN AS A WHISTLE. I HAVE A ERROR WITH A CREDITOR ON A LATE BUT 34 POSITIVE ACCOUNTS THAT ARE OPEN AS WE SPEAK AND CLOSE TO 20 CLOSED POSITIVE ACCOUNTS THAT ARE IN GOOD STANDING. SO ITS ME CREDIT ON EVERY CATERGORY OF THE FICO FIVE SELECTIONS GOES FROM GOOD TO EXCEPTIONAL AND WELLS FARGO, TWO TIMES IN THREE YEARS GOT FINE BY THE FTC AND CFPB FOR STEALING AND DOING IDENITY THEFT BY OPENING FRAUD ACCOUNTS IN PEOPLE NAMES. SO I DISPUTED IN XXXX, XXXX, I WAS SO BUSY WITH WORK I TOOK OF BREAK OF FIGHTING FOR MY NAME IN XXXX. I STARTED BACK IN XXXX OF XXXX, I ALSO FILE 8 COMPLAINTS WITH THE FTC LETTING THEM KNOW THAT THEY HAVE NOT SENT ME MY DISCLOSURES THAT I HAVE A RIGHT TOO AS A FRAUD VICTIM. NO APPLICATION, NO NOTIFICATION OF WAS THE APP A PAPER APP, PHONE APP, WEBSITE AND IF WEBSITE, WHAT IS THE XXXX ADDRESS. I REQUESTED THE CREDIT BUREAUS AND WELLS FARGO TO VERIFY AND VALIDATE THAT MY CREDIT REPORT WAS ACCURATE AS CAN BE UNDER MAXIMUM ACCURACY PER THE FAIR CREDIT REPORTING ACT AND THE FACT ACT. THEY HAVE DONE NIETHER AND WONT DO NEITHER. ON THE LAST COMPLAINT WITH THE CFPB I SHOW THEM NOT ONLY THE INCOMPLETE CREDIT ERRORS THAT WAS ON MY CREDIT REPORT BUT I SHOW THEM HOW THEY HAD ME LOSING POINTS TWICE, I CANT SAY, ALL YOU HAVE TO DO IS LOOK, BECAUSE THATS MY CIVIL SUIT BIGGEST ADVANTAGE IF I TAKE THEM TO COURT AND IT LOOKS LIKE I WILL BE TAKING THEM TO COURT. LASTLY THESE COMPANIES KEEP SAYING I MADE PAYMENTS AS IF A PERSON THAT COMMITTS FRAUD CANT GO AND MAKE PAYMENTS, IF YOU HAVE PRIME CREDIT, YOU KNOW A FRAUDSTER IS NOT GON NA BLOW YOUR CREDIT ON 1 ACCOUNT, THEY GON NA TRY TO GET AS MANY AS THEY CAN UNTIL ITS TOO LATE. AND THESE SAME COMPANIES KEPT PUTTING INTERNAL BLOCKS ON MY CREDIT REPORTS ACCORDING TO THE CREDIT BUREAUS SO WHEN NEW ACCOUNTS WAS COMING, I WOULDNT FIND OUT ANYWAY AND IF I THINK I HAVE GOOD CREDIT, I NOT LOOKING AT MY CREDIT REPORT EVERY MONTH.I WILL BE FILING COMPLAINTS WITH 4 TEXAS COMPANIES THAT ENFORCES BANKS AND CREDIT BUREAUS AND XXXX FEDERAL, US POSTAL INSPECTORS, FTC, CFPB, XXXX AND MORE. ITS SAD THAT THIS COMPANY HAVE NOT ONLY SAY OH THEY KNOW ITS ME, BECAUSE I GUESS THEY HAVE XXXX POWERS, ALL KNOWING, BUT THEY NEVER TRY TO NEGOIATE OR ANYTHING.I LOST MY BUSINES AND ALMOST A XXXX XXXX DOLLAR LOAN FROM THE XXXX DURING THE PANDEMIC BECAUSE OF THEM, AND A LOT MORE. IM ON MEDICATIONS NOW BECAUSE OF THEM I HAVEXXXX, XXXX AND PANIC ATTACKS.ONCE AGAIN REMOVE THE ACCOUNTS BECAUSE OF FRAUD LAST WARNING. REMOVE THE ITEMS OFF MY CREDIT REPORT ASAP NO MATTER WHAT BECAUSE YOU FAIL TO VERIFY MY ACCOUNTSAND VALIDATE THEM.. TUESDAY THE XXXX OF XXXX, I WILL SEND OUT A CERTIFIED DEMAND LETTER, I HAVE YOU ON PAPER AND AUDIO RECORD FOR OVER XXXX VILOATIONS OF STATE AND FEDERAL LAWS IN VIOLATIONS.

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 non-monetary relief