Consumer complaint received 2023-07-30
Company: WELLS FARGO & COMPANY
State: CA
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:
I was notified by my bank Wells Fargo that My account had some charges that came off as fraudulent. I confirmed they were not authorized and from then on Had to visit a branch to restrict/Suspend all accounts, Credit cards, and Online Banking with Wells Fargo . Assuming they were all frozen-on Saturday XX/XX/XXXX I received an email stating I had enrolled in online banking, opened a new checking account, opened a new loan and did a cash advance which was transferred to the new fraudulent account. Which was then XXXX out to an XXXX XXXX Phone Number XXXX. I quickly called the bank and told them I was told everything would be frozen. They notified me that some accounts didn't have the proper restrictions on them. From there I realized Wells Fargo was irresponsible and this was spreading like wild fire. They were also able to call in and change my KYC info over the phone just because they were able to verify my social which was compromised. I installed XXXX XXXX I have a service enabled on My XXXX XXXX Mobile App called XXXX XXXX which monitors your credit. On XX/XX/XXXX I was notified that a new credit card was applied for and my credit had been pulled. I found out that someone had gone in to an XXXX store in XXXX, CA and applied for a XXXX XXXX credit card. When I called the location, they mentioned they always check ID for a credit card application. This thief had also gone to XXXX  in XXXX, CA to open a XXXX XXXX XXXX in my name and had linked my Checking accounts with them. XXXX mentioned they had my ID same DL # Same address and info. I went ahead and installed XXXX as well as XXXX XXXX to lock and freeze my credit and also alerted the Police through a police report. They have gotten in to my Bank accounts at Wells Fargo and charged almost {$3000.00} in fraudulent charges. Everything is currently being investigated. There is a fake Copy of my ID with these thieves and they also have my SSN number. Attached you will find all the documents from Wells Fargo as well as the fraud credit cards that were open in my name. I will also attach the police report. There is a possible suspect XXXX XXXX phone number XXXX or XXXX These numbers were linked to the XXXX account they transferred funds to from my Wells Fargo Account. 

Attached you will find an official police report from the XXXX XXXX with all the information as well as case number. 
With the following reports I was able to report theft and fraud on all my credit bureaus as well as the DMV where they helped me apply for A new Drivers License and put a lock on my personal information for 12 months to deter fraud. 
This Loan at Wells Fargo is not valid and was not authorized or initiated by me. It was a part of the fraud and was opened by the fraudsters using my information that was compromised. 


After all this hard work and investigation and Wells Fargo even deeming me not responsible for the credit card charges as well as the debit card transactions, they are still finding me responsible for this personal loan that was applied for with my info that I had no idea of

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