Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Arbitration

Complaint:
XX/XX/XXXX To Whom it May Concern : My name is XXXX, and I have been victimized and scammed online using my credit card and bank account. I am young and new to the US, immigrating from the XXXX a few years ago. I received a credit card from Wells Fargo to help pay for my used car and make monthly payments which I have been doing successfully until this scam hit my life and account in XX/XX/XXXX. 

My plea is to have some help to resolve being scammed and helping Wells Fargo resolve the terrible act that has been committed through me. The people were dishonest they were committing fraud through me. 

What I would like help with and demand are the following : This can be resolved by XX/XX/XXXX Wells Fargo corrects my account # XXXX back to the balance of {$1400.00} @ 0 % interest minus the payments received to date, and all fees occurred during the investigation. Wells Fargo must complete t their investigation with the attached detailed statements and series of events. It took Wells Fargo nearly 6 months after their primary investigation was concluding to say I need a police report. So I am doing that with the Consumer Financial Protection Bureau. This report coincides with the scam which occurred between XX/XX/XXXX and XX/XX/XXXX ( see Wells Fargo Statement XX/XX/XXXX - XX/XX/XXXX ). 

Wells Fargo must clearly understand that a scam occurred and I was innocently victimized and WF should have and could have stopped it. Now WF must complete their investigation why Wells Fargo allowed my credit limit to be exceeded twice by nearly XXXX and then XXXX dollars and why did their protocols not stop the scam. This occurred both in their branch and online. Please refer to the XX/XX/XXXX wells fargo statement, and our voice recordings with XXXX/XXXX and XXXX from wells fargo credit card support on XX/XX/XXXX, claim # XXXX. XXXX/XXXX of Wells Fargo agreed the over-limit and fraud detection should have prevented this WF error. XXXX/XXXX could not explain why the credit limit was exceeded twice and she agreed it should have been caught by the system and stopped. 

Accept my monthly payments of {$170.00} per month for the remainder of my balance of {$1400.00} at 0 % interest rate extending 0 % 12 months or more. My balance prior to the XXXX statement was for {$1400.00} for which I stopped making payments per the investigators ( and should not impact my credit, and all fees associated must be removed and voided ). I am now paying ~ {$170.00} per month per the XX/XX/XXXX letter I received in good faith to honor the {$1400.00} balance. Anything above that balance must be removed because this was a scam for which I did not know and Wells Fargo branch employees and credit card processing have been trying to be helpful yet I am now demanding that this be fixed. 

Wells Fargo must Update and Fix my credit at the XXXX or more main credit reporting agencies immediately and put my credit back in good status. 

Wells Fargo must correct this incident and problem. Whether or not I am XXXX years old or XXXX years old, a crime has been committed and I was duped into something for which I did not know was fraud. 

If you have questions please feel free to contact me. Please leave a message because I work almost all the time during business hours and can not take calls. I need a direct contact number and name so I can call with my Uncle who can clearly listen and talk in XXXX whereas I have a difficulty. 

I will do all I can to help with the investigation. My contact information is : XXXX, XXXX, and my Uncle XXXX XXXX. All correspondence can be sent to my address on file. 

XXXX, in good faith - a good Wells Fargo Customer

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