Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need your help immediately. I am an XXXX XXXX and took out a student loan around XXXX for XXXX school. I paid everything on time, and got a good travel XXXX contract and decided to call in XXXX to increase my monthly payments to $ XXXX per month. Instead of increasing it, Wells Fargo DELETED all of it, then reported me to the credit bureaus with fraudulent documents. I was harassed while working in the XXXX, and told I was worthless by the debt collectors. The harassment was very intense. Wells Fargo refused to talk to me, and refused/blocked my ability to log into my account. Due to nepotism, I begged someone in my family who used to work for Wells Fargo and eventually was able to get them to talk to me. Creditors bullied & harassed me until, under severe distress I was manipulated into signing to reconsolidate the loan. They withheld information and gaslit me when I told them this was illegal and the contract was broken by them and it is null and void. I did not want to sign it and I made it clear to them that I did not want to, but I needed the phone calls to stop and I needed my credit score repaired. That is black mail I believe, correct me if I am wrong, Im not a lawyer. ( They had me resign with them saying they would give me a " good deal '' which is trash ) Then they messed up my payments for about 6 months after that as well, and then I still could not log into my account consistently in XXXX. There had been times years ago, I could log in briefly to view my account, yet I could not adjust my payments or how they were applied. Currently I still have no access to my account, despite calling IT and being put on hold or in circles extensively & speaking with the " executive branch '' of Wells Fargo. Over the years I call them or pop into a branch wanting someone to deal with it, and nothing ever changes. They have wasted weeks of my time and energy dealing with them. In XXXX, when I had more time to try to tackle this again, I went into my local branch frequently with no outcome. Finally someone gave me a card with a number to call, and they made it sound like it was their clean up team for Wells Fargo. That was mostly a dead end & the worker there never called me like she was supposed to then I found out that they were transferring my loan to a different corporation. I refused the transfer and demanded they give me back all my money from the incident to now. I demanded it get escalated which took me having a phone tantrum to get it escalated to their managers there. They said they would help and resolve the issue and they reported to me it is DOCUMENTED that they had DELETED my payment history before and was send off to the credit bureaus incorrectly. I also have emails from then. I ask them for copies of my notes which they refused unless I have a subpoena. It is my information and my financial livelihood, there needs to be a change in laws around that. They have broken so many laws. I have been trying to talk with them for years and they ignore me. I still am unable to log in to my account. I tried to enter into the class action lawsuit and the email link never worked and when I called they would put my on hold and put me in phone circles. They have broken the Rosenthal Fair Debt Collection Practice Act, they have committed fraud, turned in fraud documents to the debt collections agencies, and the Federal Fair Debt Collection Practice Act and the Fair Credit Reporting Act. They still to this date XXXX/XXXX/XXXX do not allow me to log into my account, I just got off the phone with them again this AM and I was put into a holding pattern by them. I have been unable to pay more than the minimum or ensure it is being applied to the principle how I want, because I have been locked out of my account, I would have had this loan paid off already if I could have accessed my account. Instead, they are bleeding me dry and making gains off my compacted interest and inability to access my account online. Most importantly, the ENTIRE LOAN IS FRAUD and they need to give me my money back. They have also consistently had my incorrect address and phone number even though I have had the same phone number since cell phones came out and I have corrected them countless times about this information. I called WF again this XXXX XX/XX/XXXX to get them to fix my account so I can log in, yet I was put in a holding loop. I want to know what your office do for me today. They may try to transfer the loan on XX/XX/XXXX or shortly after. Best Regards & please respond quickly. Im really stressed and scared. XXXX XXXXXXXX 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 explanation