Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wells Fargo is again abusing their actions and creating additional fraud to my name. Wells Fargo Illegally opened a Checking, Savings and Brokerage account in my name. Following that Wells Fargo also  illegally opened a Secured Credit card. Per their response on XX/XX/XXXX Wells Fargo Advised me they released me from all liabilities associated with these accounts. They also had ITO which means Identity Theft Operations verify that these accounts were identity theft and i did not authorize these ONLINE Accounts to be opened. I have a letter from their Online Fraud department from XX/XX/XXXX which verifies this claim was resolved and closed in my favor. 

Secondly Wells Fargo in their latest response stated they notified XXXX   = XXXX XXXX XXXX promptly to remove these accounts associated to me from my names and XXXX Report. However Wells Fargo did not remove these and i have been in contact with XXXX   which stated Wells Fargo keeps attempting to notify them these are my accounts. 

Additionally Wells Fargo had a representative contact me yesterday. I advised them that the Direct Deposits posted to this checking account was not mine and that i had never worked for this employer. She stated she would give me a call back and never did. Instead provided these False Accusations today. Additionally the Secured Card account they stated that they falsely accuse me of applying for never had any payments made from me previously. The only reason why any payments were made was because i had to actually call after they lied and said this was my account. I had to call Wells Fargo card services and have a card issued to me. I never had received the previous card. I NEVER BENEFITTED From it. It was enrolled in online statements to a Wells Fargo online profile that i never had access to. That i did not know existed. I had to visit a Wells Fargo Branch At the end of XXXX to have the branch manager create a Wells Fargo online profile for me, they had to contact online fraud and i confirmed to online fraud what had happened. Online Fraud created a new username. I never received online statements ever for this checking account because i never had access to the profile you mentioned. My Email address and US Postal Address were both hacked and forwarded as previously stated. You concluded your investigation. You stated you removed my liability. Providing account statements proves nothing. I never opened a Checking account with you. I never opened any accounts Period. This has nothing to do with " Re Establishing a deposit relationship '' I never established one to begin with. The only reason payments were made at the end of XXXX to the Secured Card was because i was being forced to and these only were paid after i was able to obtain a new online profile. I had to actually go in bank for this. You can call your Branch Manager at the XXXX XXXX and confirm this. 

Additionally the payments that did occur at the end of XXXX were all held by Wells Fargo. I have call logs and chat scripts of this. I have recorded and documented everything Wells Fargo has provided. I have every copy of everything that was sent. This checking and savings and brokerage and secured credit card account were all opened online fraudulently by a member of your bank it's obvious. You are now trying to take back your previous response and continue to abuse the FCRA and report information to XXXX that is false. I will continue to submit affidavits to have this blocked from my XXXX report as this was Identity Theft. 

I will now begin to forward all corrospondence to my attorney as it appears Wells Fargo after several attempts continues to lie response after response. They advise something then do not follow through, not only is that false information that is illegal because it is documented on company letter head. This was sent to me FROM WELLS FARGO Bank. Both responses will be attached to the case along with the FTC Report. 

I have not ever established any accounts with your bank and as you previously stated this checking and savings account were opened on XX/XX/XXXX and enrolled in ONLINE STATEMENTS. <<<< Thats the key message there. As stated my email address was also hacked which i informed Wells Fargo of. Additionally i have never attempted to use this checking account i did not benefit from it, nor from the savings account as i verified with your Agent yesterday. FCRA Requirements require you to report accurate credit information. The Secured account never arrived to my address and i did not have access to the online profile that was enrolled in it. The only reason payments were able to be made at the end of XXXX was because your Online Fraud department created a new Online Profile for me along with a new password. I don't have any access to the old profile and never did. 

It's a shame at how Wells Fargo treats customers and how they treat victims of identity theft.

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