Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Cease and Desist Unauthorized Debt Collection Activities and Privacy Breach Dear Wells Fargo, I am writing to express my deep concern and dissatisfaction regarding the recent actions taken by your debt collection department in relation to an alleged debt. It has come to my attention that Wells Fargo has accessed my non-personal information in an attempt to coerce me into paying a debt for which I am not obligated. This blatant breach of privacy is not only unacceptable but may also constitute identity fraud.

First and foremost, the unauthorized access to my personal information without my explicit consent is a violation of my privacy rights. Such actions raise serious concerns about the security of my confidential information and may have severe implications for identity theft. I insist that Wells Fargo immediately cease and desist from any further attempts to access my information without proper authorization. 

Moreover, I have discovered that Wells Fargo has added an account to my credit report without my authorization. Even if there were a permissible purpose for such an action, it is imperative to note that the consent of the consumer is still required. I want to emphasize that I do not grant consent for Wells Fargo to include any information related to this alleged debt on my credit report. This unauthorized addition is not only damaging to my creditworthiness but also a clear violation of my rights. 

I request, in accordance with Texas state laws and federal regulations, that Wells Fargo rectify this breach of privacy immediately. I would appreciate your prompt attention to this matter by removing any and all references to this alleged debt from my credit report. Failure to comply with this request will compel me to pursue legal actions to protect my rights and seek damages for the violation of my privacy. 

Furthermore, I am deeply disturbed that Wells Fargo has contacted me without obtaining the necessary consent to do so. I want to make it explicitly clear that I do not wish to engage in any business transactions with Wells Fargo regarding this matter or any other. I reserve the right to control communication with your organization, and I demand that you cease all contact with me immediately. 

To assist you in understanding the severity of these issues, I would like to reference specific Texas state law codes and federal law codes that are relevant to the information provided in this letter : - Texas Privacy Laws : [ Insert relevant Texas law codes ] - Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 et seq.

- Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 et seq. 

I expect Wells Fargo to take swift and appropriate action to address these concerns. Please confirm in writing that you have taken the necessary steps to rectify the unauthorized access to my information, remove the account from my credit report, and cease all communication immediately. 

Thank you for your prompt attention to this matter. I trust that you will handle this situation with the seriousness it deserves. 

Sincerely, XXXX XXXX

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