Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo Bank negligently reported business income as my personal income for 6 separate business bank accounts to the credit reporting agency, XXXX XXXX XXXX ( " XXXX  '' ). As a result of this negligent reporting, which I did not give them permission to do, the Department of Health and Human Services, XXXX XXXX XXXX XXXX XXXX XXXX charged me with an Intentional Program Policy Violation on or around XX/XX/XXXX. I explained to DHHS-DWSS that the information they were relying on was false and misleading, but they took the reporting of Wells Fargo Bank to XXXX as true, correct, and not misleading. 

I was found guilty and denied food and medical benefits for myself and my XXXX children for 12 months. This prevented me from receiving $ XXXX in XXXX and over $ XXXX in medical insurance. This sentencing expanded the time of the worldwide COVID-19 pandemic, which made Wells Fargo Bank XXXX negligent error that more damaging with a loss of work and income, and the need for medical attention when ill. 

On or around XX/XX/XXXX, Wells Fargo Bank sent me a letter admitting that they made the error, and instructed me to contact them to make a claim for damages. ( See attached XXXX letter ) I did contact them on XX/XX/XXXX, and made a claim for damages. I was give XXXX # XXXX and told that an executive or case manager would contact me within 48 hours. To-date, no representative of Wells Fargo Bank has contacted me to settle this matter. 

On XX/XX/XXXX, I send a notice and demand for restitution due to damages that included an invoice and affidavit. ( See attached Notice and Demand XX/XX/XXXX ) I sent an Opportunity to Cure Wells Fargo Bank 's failure or refusal to respond on XX/XX/XXXX. To-date, Wells Fargo Bank has not responded to my notice and demand or opportunity to cure. 

On XX/XX/XXXX, I received a " customer appreciation '' cashier 's check dated XX/XX/XXXX in the amount of {$500.00} from Wells Fargo Bank. Prior to negotiating it, I contacted Wells Fargo Bank and spoke with their customer service representative who assured me that the " customer appreciation '' cashier 's check was not a settlement offer for my damages due to Wells Fargo Bank 's negligence in credit reporting to XXXX. The representative did tell me that Wells Fargo Bank had closed my case on XX/XX/XXXX, and sent me a letter requesting information about my claims. I asked the customer service representative to mail the letter again because I had not yet received it. He said he would. To-date, I have never received a letter dated XX/XX/XXXX in regards to settling this matter from Wells Fargo Bank XXXX 

As a result of Wells Fargo Bank 's negligent reporting to XXXX, and without my permission, the DHHS-XXXX garnished my XXXX federal tax return in XX/XX/XXXX to cover the costs of fees I was assessed for the " Intentional Program Policy Violation '' I was found guilty of due to Wells Fargo Bank 's negligent reporting of incorrect information to XXXX, who they didn't have my permission to report to in the first place. 

Prior to filing this complaint, I sent my Second Notice and Demand to the registered agent in Nevada for Wells Fargo Bank.

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