Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In Re : Latest Wells Fargo case # XXXX XXXX XXXX XXXX acct ending # XXXX XXXX Escalation Representative : XXXX XXXX, tel # XXXX ext XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX Tel : XXXX Fax # XXXX Email : XXXX To whom it may concern, On XX/XX/XXXX, XXXX XXXX XXXX, XXXX   XXXX specialist, called to inform me that she had unsuccessfully resolved the WF defrauding issues that damaged my credit score from XXXX down to XXXX due to unpaid WF Visa Credit Card ending # XXXX issued by WF Fraud Dept on XX/XX/XXXX when I refused to have the new card and stop using WF Credit Card afterward. However, WF  XXXX XXXX transferred all the other merchant transaction remainder in conjunction with the disputed amount of $ {$2400.00} with the XXXX merchant ( which WF  disputed on XX/XX/XXXX and then paid for XXXX 45 day after dispute with XXXX on XX/XX/XXXX ) regardless of I paid off all other merchants of the old acct ending XXXX in XX/XX/XXXX of the new account which I have never used since XX/XX/XXXX. 
Starting on XX/XX/XXXX, I disputed the amount of {$2400.00} against WF agents from the Dispute Dept., Fraud Dept., Customer Service Dept., and Escalate Executive Dept. because Wells Fargo agents failed to implement my request to stop payment to XXXX merchant from the beginning, but WF agents claimed they closed my dispute and paid for the merchant 45 days after the initial dispute date. WELLS FARGO PAID TO XXXX MERCHANT AND CLOSED MY COMPLAINT AGAINST THE MERCHANT. THEREFORE, I DISPUTE THE AMOUNT {$2400.00} AGAINST WF AGENTS FAILURE TO PROPERLY MANAGE MY MONEY AND INSTRUCTED ME TO SUE XXXX WHERE XXXX IS A SERVICER WITH NO RETAIL MERCHANT AND PER CSLB ( California State License Board ) THEY HAVE NOT THING TO DO WITH MONETARY ISSUE BUT WELLS FARGO AND SERVICE ISSUE HAD ONLY 90 DAYS TO LITIGATE AGAINST XXXX. 
As per my several written complaints against Wells Fargo Banks and WF bank agents with CFPB, I declared the following solution : 1 ) I owed WF Visa {$0.00} because WF failed to stop payment to XXXX XXXX when I requested the stop payment 2 days after I found out their defrauding me. 
2 ) The amount of {$2400.00} disputed between me and the WF agent had to be set aside until the dispute was resolved. However, the WF Visa biller had intentionally transferred the disputed amount of {$2400.00} of the old account ending XXXX to the new WF Visa account ending # XXXX to defraud me since XX/XX/XXXX until present XX/XX/XXXX where the dispute has been on since XX/XX/XXXX against Wells Fargo Agents defrauding me. 
3 ) Stop mailing me the monthly billings that had been harassed and threatened me to pay WF wrongdoing ( false delinquent bill where I owned nothing and never used the WF Visa Credit ending # XXXX ). WF also falsely reported to 3 major credit bureaus against me for their fraud. They told me that I had to instruct WF to withdraw their false delinquent report against me for them to reserve my credit score. 
4 ) Stop financial elder abuse by prolonging the dispute which has never ended because WF repeated their defrauding tactic to change to the new complaint number each time WF escalator failed to give the solution after taking 1 to 2 months to research the same issues over and over. Since XX/XX/XXXX until present. They triggered XXXX XXXX by either verbally harassing me or promising to write and resolve the appropriately. My characters have been changed, I have a very limited threshold of anger and endurance of harassment for their wrongdoing, although I have been on XXXX 
5 ) Wells Fargo has to restore my credit score after damaging it. Verified with 3 major credit bureaus XXXX, XXXX, and XXXX. 
6 ) The amount of {$1800.00} was sent to me by Well Fargo Mediation to give time for WF credit repairmen and WF Executive Dept to give a final solution as per my request, and the mediation could not stop me from litigating the issues of WF for the amount of {$100000.00} compensation for their harassment, accessory after the fact, conspiracy misled and misrepresented toward a senior client. I discussed this with XXXX XXXX XXXX who promised to resolve as per my request from the time she asked to give me the above case number and 2 months for her to work on the final solution ; otherwise, she would give me the information of WF legal contact information for me to litigate the issues against WF. 
7 ) As a self-represented litigant resident of California for the unlimited civil lawsuit claimed of {$100000.00}, I need the WF contact information as ( 1 ) the name of the WF legal representative ( CA Attorney License # ) ; ( 2 ) WF Executive Office in California ; relevant telephone and fax number, and email address to serve either online or mail serve. But XXXX XXXX XXXX XXXX failed to provide me with the above request information and provided me the same reply letters as other WF agents before. 
In conclusion, I request CFPB to assist in providing the WF legal contact for me to litigate the unlimited civil complaint against WF agents defrauding, harassment, and financial elder abuse.

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