Consumer complaint received 2019-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Small Business account with Wells Fargo CLOSED on XX/XX/XXXX Credit Card was " frozen '' in XX/XX/XXXX to prevent any charges to be authorized during close down of business. All vendors/final payments were made by check. 

XX/XX/XXXX received call from former partner that was removed from all accounts with the business and wells fargo that he had received a collection letter for a debt in the amount of {$940.00}. 

We and the former partner contacted wells fargo and they stated a charge had been placed on the account. 
We also received the same letter the following Monday. 

Went to branch on XX/XX/XXXX met with representative. He stated to me that 1. The former partner was never properly removed from business accounts and that's why he was still getting letters. 
2. Stated to me that the account still showed " frozen '' /Authorization prohibited 3.  Checking account was closed for business, however bank did not close credit card account. 

XX/XX/XXXX Case sent to resolution department XX/XX/XXXX Received call from resolution team representative stating the account had been properly closed and none of the parties were responsible for debt. 
A letter would be sent out stating all discussed XX/XX/XXXX Called resolution team representative due to the fact I had not yet received any letter confirming above information. 
Rep stated they had just received all final approval that we are not liable for the business debt. 

XX/XX/XXXX All parties received collection letter stating debt was now {$1000.00} XX/XX/XXXX Finally reached representative that was handling our account stated to disregard the collections letters ; that it had been sent before resolution team could get with collection department stating parties not liable for fraudulent debt. 

XX/XX/XXXX Letters received stating above information. 

XX/XX/XXXX Received phone call from Wells Fargo debt collector stating debt was still being collected and the amount was {$1300.00} XX/XX/XXXX,XX/XX/XXXX Spoke to representative in the resolution department. I was inquiring to speak with the Loan Administration Manager that had signed the letter to determine why we were still in collections and being contacted by collections department. 
I was told the manager ONLY SIGNS LETTERS. Will not look at case or speak to customers. 

XX/XX/XXXX Spoke to different representative. 
She stated that even though the debt would not be the responsibility of the individual but would be that of the business. 
We explained AGAIN that the business was closed over 10 mths ago. There is NO MORE BUSINESS. The accounts were closed. The charge was made fraudulently because the accounts were CLOSED. 

This concludes notes to this point. Please contact me for full report with names, locations and real documentation of everything mentioned above. 
***I have a full 3 page report with names, location of branch, case numbers, etc.

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