Consumer complaint received 2020-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am filing a complaint on Wells Fargo for the way my payment was handled and reported on for XX/XX/2020 and XXXX, XXXX  and XXXX  for continuing to report the inaccuracy. Details are in the cover page attached, with all supporting documents. 10 pages plus 1 Fax confirmation page to was to Wells Fargo on XX/XX/2020. 
I made my Wells Fargo payment with ACH over the phone, Wells Fargo rep confirmed payment was successful. Payment was returned for an unknown reason over a week later, Wells Fargo didnt give me a reason why. The day I noticed the return, I called to pay again, was told payment was successful by Wells Fargo rep. Later that night I noticed the payment returned again for an unknown reason. I had more than enough in the account to cover the payment. The following day, I mailed a check made to Wells Fargo in the amount of {$300.00}. Check was cashed 5 days later, around that time I received a letter from Wells Fargo confirming my second ACH payment was successful, which led me to believe they tried processing it again and it went through. This all started 2 days after my XX/XX/2020 payment was due. That payment would be 30+ days past due is paid on or after XX/XX/2020. Wells Fargo confirmation letter was dated XX/XX/2020 and my check was cashed XX/XX/2020. All done before the 30 day mark. Unfortunately, it turns out, the 2nd ACH payment wasnt successful and the check I mailed to Wells Fargo wasnt cashed by Wells Fargo, it was lost/stolen during delivery. I put more than a reasonable effort to make that payment and reporting a 30 day late on my credit is an inaccurate representation of my financial responsibility and credit worthiness. I dont think Wells Fargo even looked at what I sent them because they refused to stop reporting the late payment, stating that they are federal law requires them to report accurately, 15 U.S. Code Sec 1681s-2 ( a ) ( 7 ) ( E ) Responsibilities of furnishers of information " No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the consumer to a consumer reporting agency, I also included several links from XXXX that state neither the Credit Bureaus nor any federal or state law requires data furnishers to report information. Not only are they reporting inaccurate information, they are trying to justify it by providing me inaccurate information. On the same letter they say " If you believe that information as been reported inaccurately, you can send us a letter describing the specific information you are disputing and why you are disputing it. In your letter include ... .as well as any supporting documentation you may have. '' They are responding to that exact letter I sent them and telling me to send them a letter. Its obvious neither my letter or my supporting documents were looked at and this was done by an automated verification process. No reasonable person who read my letter and considered all the supporting documents would argue that this late payment was my fault. I made a reasonable request and received an unreasonable response back. I prefer to handle this matter without getting the court involved but if Wells Fargos willful negligence continues, I wouldn't hesitate to seek legal action against Wells Fargo and 3 major credit bureaus, ENCLOSURES : Fax Confirmation page, cover letter sent to Wells Fargo, Wells Fargo Confirmation of payment, Front of check XXXX before sending, Back of check XXXX before sending, Page 1 XXXX  XXXX XXXX Business Checking ending XXXX, Page 7 XXXX  XXXX XXXX Business Checking Checks section, Page 8 XXXX XXXX XXXX Business Checking Checks continued, Page 11 XXXX XXXX XXXX Business Checking Check images.

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