Consumer complaint received 2018-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband requested an extra copy of my credit card and made purchases after I not only had had him removed from the account manually, but after a divorce had been filed and the federal government ( Social Security ) had also removed him from all accounts and all ability to be my representative in any capacity. I reported it, and Wells Fargo not only would not remove the fraud from my credit cards, but kept giving my ex the ability to change contact information on the accounts ( phone number, address ). I have gone through several different levels of trying to get the fraud redressed, and I'm now at the final one with their Executive and Fraud offices where they have requested additional, special court documents that they would not actually name to me, but had myself and local officials guess at what they needed. I went ahead and got a special letter from the federal government ( Social Security ) telling them that not only did I remove him, but they did as well. I got a judgment from small claims. I informed the district court, who as part of a Contempt of Court proceeding went out of their way to specially order all entities ( Wells Fargo ) to hold harmless and to denote that the debt in question is my ex 's sole culpability and responsibility. I submitted them. I just got a letter back from Wells Fargo saying that they don't have to obey literal court orders directed at them ( really ), that he was authorized on the account ( no he wasn't. Not only had I had him removed, but the federal government did, sent them a special letter, and invited them to call Social Security if they had questions, and they never bothered ), and they keep claiming that I'm just upset at how he spent money while he was authorized. I am. Those are in the court documents and that's dealt with elsewhere. What we are dealing with here are the things he did AFTER he wasn't authorized, that courts have ordered them to not collect from me, when he was no longer authorized and even the federal government had stepped in. By their logic, they need to give me a copy of his current credit card and let me run up whatever charges I want even though I'm sure I '' m no longer authorized on any of his accounts. Anyways, I honestly don't want to destroy my relationship here or end up not doing business with them at all, but they need to follow the law. They've been ordered not to collect this from me. They've been told in a special letter by the federal government that he was not authorized on my account ( in addition to me saying so ). They have been presented with rulings in my favor ( evidence that I went in and proved the fraud to 2 separate courts ) by 2 separate courts done just for them. They have not cooperated in securing my account this entire time. They have cooperated in telling us what other magical documents they might need ( because officials would have provided them ). They just want to collect from me because they know that I am more likely to pay because I have a steady income and good credit score instead of collecting from the correct person as ordered. So if there's anything you can do, I would like the help. This is now an official complaint. If they do not respond appropriately, I have to decide if I'm going to take them to court to enforce the order at this point, and I'd rather not. I'm not sure why they want that either. They are a big company that can probably lawyer up nicely, but it's a couple of thousand dollars that they themselves failed to secure properly in the first place, and if we go on just the bald facts, they've already been shown sufficient proof and been ordered. I can probably win, but they'd rather try to not deal with a couple of thousand in fraud, and this after it was already shown that they've done other shady things like open accounts in people 's names without their knowledge. They are just never going to be a decent business. Sorry to vent a little, but really. Please force them to obey the court if you can. If not, I'll explore other options. But they legally can not force me to pay a debt that literally, legally isn't mine, that they allowed to be fraudulently placed in my name, and to keep lying about him being authorized after the federal government even stepped in and said he wasn't.

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