Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo , Enterprise Complaints Management Office started debt collection attempts making harassing phone calls prior to the due date on a charge that is in dispute- which is the main issue, but there are some secondary issues worth mentioning. 

Main Issue : Account ending in XXXX is a credit card account in which i am both the donor and beneficiary of, and Wells Fargo is the fiduciary trustee over. There is a charge for {$25.00} that was added on to my account on ( or around ) XX/XX/2023 - this charge was not authorized by me ; there was no service, goods or products provided ; in fact, i have no idea who charged my account or what this charge is for. 

I, donor and beneficiary of said account, called to make a formal dispute and get a new card issued because I have no idea who or how my account was breached again. At this time, i settled the account balance which was valid and due. I did not receive any written correspondence from Wells Fargo showing who charged my account or what this charge was for. 

On XX/XX/2023, i received an incoming phone call from Wells Fargo by fiduciary : XXXX XXXX who started off the call with this is an attempt to collect a debt line ( screen shot from my phone bill showing the incoming call ). Take notice : this debt that is in dispute, would not be due until XX/XX/2023, but I am getting harassing phone calls in an attempt to collect a debt!!! However, since this charge is in dispute this is an attempt to collect on debt that is in dispute. In our conversation between me, beneficiary/donor of the account and fiduciary, XXXX XXXX , i voiced my concerns why i am getting debt collection calls about a debt that is not even due ( if it was valid ), said that she would provide written correspondence showing that this debt was valid, and also said that it is Wells Fargos policy to tell you this is an attempt to collect on a debt. 

On or about XX/XX/2023 i received said correspondence from fiduciary : Wells Fargo by XXXX XXXX ; however, she did not provide anything that verified or validates that this debt is true, did not show who charged my account, nor what this charge was for. In the attached documents sent through the post office the only reference about suggesting why this debt is valid states : " you gave authority to the person or business that made the transaction in question. '' Again, fiduciary : Wells Fargo 's XXXX XXXX nor their CLAIMS AND RECOVERY department provided the identity of this PERSON OR BUSINESS that i allegedly gave access to my account. 

Based on the several breaches of trust by fiduciary Wells Fargo and their partner XXXX ; i, donor of account ending in XXXX decided to close the account and settled the valid remaining balance. 

The other contributing factors as to why I closed this account, namely is because of their discrimination against me for denying me equal access to my credit in an appropriate amount no justifiable reason to infringe upon my right as donor and beneficiary. Thirdly, fiduciary : Wells Fargos partner XXXX is virtually inaccessible i spent several hours trying to get someone on the phone to talk about the account, and when I did, I was given misleading information. Fourth, in the beginning, fiduciary : Wells Fargo and XXXX allowed my account to be accessed by scammers when the account was first open, there were random charges being placed against the account before I even got the card in my hand it is questionable as to what is actually happening with my account : as such, i feel and believe that fiduciary : Wells Fargo is attempting to defraud me out of {$25.00} as some sort of retaliation for closing the account. Speaking of retaliation : right now, fiduciary : Wells Fargo is falsely reporting a balance is due on my credit report and my credit score went go down XXXX points.

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