Consumer complaint received 2020-05-16
Company: WELLS FARGO & COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was divorced XX/XX/XXXX. My ex-wife lives at XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. I moved to XXXX XXXX  years ago and am a full-time resident here in XXXX, XXXX. I have not returned to Wisconsin since moving here even for a visit. My daughter, XXXX XXXX XXXX, is my contact person in the US for banking, investment and mail forwarding information. On XX/XX/XXXX, my ex-wife received correspondence from Wells Fargo Card Services addressed to XXXX XXXX at her address welcoming me to their credit card family. A copy of the letter is attached. Included in the envelope was a credit card stating to call to open the account for use. My ex-wife gave the material to my daughter who emailed me in XXXX asking what it was all about. I told her that I did not open any account with Wells Fargo and for her to shred the credit card which she did ( email attached ). My Social Security number was on the documentation but the name was not the name I use for ANY purposes. I use XXXX XXXX XXXX or my full name XXXX XXXX XXXX - NEVER simply XXXX XXXX. I called Wells Fargo and was directed to the XXXX XXXX to a research and remediation analyst and explained this fraudulent issue. After some weeks, Wells Fargo sent me a letter ( copy attached ) stating they found no fraud had occurred and that the credit card was activated ( which it was not - it was shredded ). Further correspondence from Wells Fargo was very confusing in that they referred to TWO different accounts - one ending in XXXX and another ending in XXXX. They have failed to explain the two different accounts. One refers to a balance of {$5000.00} ( even though I was told that the card had a {$4500.00} limit ). By the end of XXXX, XXXX, I received a resolution letter from Wells Fargo, picture attached, stating that it was authorized by me and the case is closed! An identity Theft Report was filed with the Federal Trade Commission on XX/XX/XXXX. I followed all their list of things to do including letters to parties involved, contact credit bureaus, ordered a XXXX report. On my credit report from XXXX, on the third page, I noticed someone has been paying the monthly balance. I have never sent any payment to Wells Fargo. A copy of the pages from XXXX  are attached. In addition to the fraudulent Wells Fargo credit card ( s ), my ex-wife received correspondence from XXXX XXXX XXXX XXXX which was an IRS Form 1099-INT statement in my name ( XXXX XXXX ) sent to the XXXX XXXX, WI address. I included this information in the FTC report and called XXXX XXXX. They researched this investment account and promptly closed it and froze the information included. They apologized for this and realized it was fraud - but not Wells Fargo who insists it is MY account that I took out which is physically impossible with me living in XXXX! And it is not even my full name that I always use.

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