Consumer complaint received 2020-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wells Fargo card services keeps calling me and threatening to report inaccurate and fraudulent charges from XXXX XXXX XXXX who overcharged my secured credit card in XX/XX/XXXX. I had a {$300.00} secured credit card which was opened in XX/XX/XXXX and Wells Fargo card services " allowed a inaccurate charges go over the {$300.00} limit. I have disputed the charges with Wells Fargo Card services in XX/XX/XXXX " which card services denied because the amount was allegedly authorized by me. I had to use my secured credit card as a deposit for a car rental with XXXX XXXX " which was only submitted as a deposit to pick up the rental car ''. I never signed any documentation with XXXX XXXX  " when I returned the rental with agent and the agent claimed : all computer systems were down and that he will email me the paperwork when the car was successfully logged in as returned. I returned car at XXXX XXXX  within 7 days after I reserved my rental car. I also received authorization from local agent to keep the vehicle beyond the 3 days I reserved for : because my vehicle wasn't repaired yet and took longer than expected. The agent said he would handle the paperwork to keep the vehicle longer than my reservation. However, the XXXX XXXX XXXX XXXX stated they never received any authorization to keep the XXXX XXXX XXXX and the car was classified as stolen. I explained this to them in the phone call and the person I talked to said they would investigate. When the car was finally checked in as " returned '' at XXXX XXXX  there was over {$400.00} unauthorized charges on my final bill with XXXX XXXX and Wells Fargo Card services " allowed this unauthorized amount over his {$300.00} credit limit be charged without my permission with Wells Fargo Card Services and these fraudulent charges " never been charged to my {$300.00} secured credit card limit nor did I authorize Wells Fargo Card services to allow any charges over the {$300.00} credit limit which was established when I made a {$300.00} deposit to cover charges up to my limit of {$300.00} limit. After Wells Fargo Card services denied my timely dispute on unauthorized charges to my card, " they refused to close my secured credit card and kept billing me for late charges on the unauthorized charges ''. XXXX XXXX only agreed to give me a credit of {$90.00} for unauthorized charges and was credited back to my secured credit card with Wells Fargo Card services. Then when I explained to them I had lost my job and couldn't repay the amount owed, I wanted the card immediately closed and my deposit of {$300.00} be applied to what I owed. But instead, the made my account status as " paid '' and current. Wells Fargo Card Services " kept calling me and threatening to turn my account over collections " because according to " XXXX who was investigating my complaint with the XXXX XXXX XXXX and stated " my deposit of {$300.00} can't be used to settle my remaining balance and I had to pay the remaining balance in full before returning my {$300.00} cash deposit that was paid in XX/XX/XXXX when my Wells Fargo Card services was opened. XXXX kept calling me " even though I told her to quit contacting me when I told her I been requesting my secured card to be closed since XX/XX/XXXX. She finally closed my card in XX/XX/XXXX " after late fee charges and financing was charged on unauthorized amount. Wells Fargo Card services has a {$300.00} cash deposit and refuses to return my deposit or credit my account which is complete unethical way to resolve a debt.

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 monetary relief