Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
State: FL
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: Problem with personal statement of dispute

Complaint:
Dear CFPB : This complaint is in response to Wells Fargo reporting my account late to credit bureaus XXXX, XXXX and XXXX  on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2019 related to a 30-day late payment. I tried settling this matter with Wells Fargo office of the president as soon as I found out about the situation and I was treated terrible and extremely disrespectful. Please be aware that this is not an acknowledgment or acceptance of a 30 Day late payment, as I have never been 30 days late on any payment now or ever in the history of my Wells Fargo account, or any other account in my life. When I received my bill in XXXX My accountant for accounting reasons recommended I start sending company checks to pay my auto loan. On XX/XX/2019 I sent my payment in a Wells Fargo envelope with Check # XXXX from my company XXXX XXXX XXXX to make my usual monthly payment not even close to a 30-Day delinquent. When Calling Wells Fargo on XX/XX/XXXX to find out the balance on my account the automated system informed me that my account was delinquent. I immediately went to a Wells Fargo Branch to find out what the situation was and I was informed that Wells Fargo had not received my payment and to check my bank account to make sure check was not cashed, when reviewing my account check was not cashed. I Immediately paid everything branch manager told me to pay and called on Monday XX/XX/XXXX to speak to a supervisor about this matter as I had not received the check back either and informing them not to damage my credit for something that is not delinquent. I non-stop called Wells Fargo trying to get to the bottom of this situation. On XX/XX/2019 I spoke to a rep that informed me Wells Fargo had received my check and that the late fee and adjustments would be made, not to worry about any negative impact on credit report, A few days later I was reported to credit bureaus, I immediately checked my bank account and check was not cashed calling Wells Fargo again, this time Rep informed me that they had made a mistake and that Wells Fargo had not received my check. To the day I have not received a returned mail from Wells Fargo and as of today have no idea what happened to my sent check. I Kindly asked Wells Fargo to remove this 30-Day late payment from my Credit Reports ( XXXX   XXXX, XXXX ) immediately as this is damaging my credit history and my family as was in the, middle of purchasing a house I am not longer able to purchase and I depend on my credit and once again have not been 30 days late now or ever on paying my account. I am aware that Wells Fargo has the ability to report a debt when in fact there is a debt to report to the credit bureaus, as they deem necessary. Furthermore, they also have the ability to change the a incorrect report since they are the information furnisher and there has been a mistake on my account. Once again, I have not been close to being 30 days late on any of my payments, I have an impeccable record with Wells Fargo and are asking the CFPB again to help me with Wells Fargo on making these adjustments as soon as possible, these companies should not be able to get away with this, Wells Fargo should know they can destroy a family like ruining someones credit for absolutely no reason, once again they have notations as there calls are monitored where there rep tells me not to worry they received my check and not to worry about my credit and not only that removed the late payment they had charged and then all of sudden they apologize after damaging my credit saying rep made a mistake and was talking about another payment and to the day months later I still have not received my check back. 

Thank You and hope you can help me. 

XXXX XXXX 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 non-monetary relief