Consumer complaint received 2021-11-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, I am in need of your assistance with all the pseudo information that Wells Fargo Banking has been submitting to the credit bureaus, as they have been involved with past fraudulent actions. I had requested my free credit reports, which I am due to get for free annually, since I am a Maryland resident. I want to first state during this entire COVID-19 I have not had any problems with paying my mortage on time every month and they were sent via certified mail, because back in XX/XX/XXXX they tried to say that my payment was late when actually someone had received my payment and never processed it, so when I sent an additional payment I cancelled the first check with a STOP PAYMENT and told them exactly what I was doing, but when they received the 2nd payment they tried to cash the first one and the 2nd payment. Even though they were already aware of my actions. 

They also had set me up for a bank account, which I had NEVER had with them, but when that special aired on XX/XX/XXXX show about that Whistle Blower that came forth against them, that was when I contacted them and I did not do a Refi with them, so from that time on they have always been trying to jeopardize my credit. My previous Lender/Relator had sold my loan over to them or whatever they do. I use to take my payment to their bank and pay my mortage, but when they sent me notification that I needed to have an account at their bank in order for them to accept my check, so I refused and wrote the Federal Trade Commission. They were not pleased and they had stopped sending me the envelopes in with my statements, so I purchased security envelopes and mailed them out myself, until I told what they were doing, so then they started inputting the envelopes with my statements again. 

I requested my credit reports from all the credit bureaus and to my surprise yet again they have submitted pseudo information stating that they have no record of me paying my mortgage in the months of XXXX and XXXX and they have lessened the dollar amount of what they actually received from XXXX and the years back. They submitted that I had an original amount of my account of being {$140000.00} which also is a lie, because my home purchase was only {$110000.00}, which I have never submitted any loan applications with them at all, so I want them to STOP trying to sabotage my credit and leave me alone. They are not happy that I got approved with my credit union for my loan and because I did not use them. I am also included with the Class Action Act of them freely opening me up an account and keep trying to get me to come into the bank and I do not want to have anything to do with them at all. Since they are sending false information to the credit bureaus that is to keep me from getting a new mortgage company by trying to hold me XXXX, but with the XXXX XXXX XXXX he will see that in XXXX I will not be under them as my mortgage company. 

I definitely will not be using them to pay off my mortgage and they already know this, so this is another reason why they keep submitting false information. 

I have all copies of the statements which shows when they submitted received my payments and they have NEVER been paid late and they continue to try bullying me and I am definitely going to put a stop to it. My spirit told me to get ready, because I knew before this year was over, they were going to act like they have not received my payment for this month of XXXX when my payment was mailed on XX/XX/XXXX, along with other bills, sympathy and birthday cards which were all received in the appropriate time. I am awaiting for all of the other reports, so I can submit them all at once, after I review them all. You stated not to submit my PII information, so I will not be able to attach copies of my reports. 

I am going to contact the media to report them, because I am sick and tired of their nasty tactics against me. 

Thank you,

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