Consumer complaint received 2017-09-02
Company: WELLS FARGO & COMPANY
State: FL
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:
On XXXX XXXX, I pulled my credit report. I found that I was charged for a debt that I do not owe my Wells Fargo. Ironically it is the same amount that I was charged on my checking account when my father tried to send money to me. This was in XXXX. At the time of the incident I called and tried to get to the bottom of this matter and I was dismissed and over looked. They even called the police to my place of residency because they assumed that I stole my fathers card, when he was on the phone as well letting them know that he tried to send the money via bill pay thinking that it would still get to me. 

I have called, I have sent emails, I have written letters, and no response or correspondence has been received. 

The letter to the CEO : XXXX XXXX XXXX, Board of Directors, Customer Care, Wells Fargo Financial Services, etc. 

Good Morning, My name is XXXX XXXX and I am writing and praying that this is my final attempt. In XXXX I became a Wells Fargo customer when I started my first day of college ( XXXX XXXX, I have never had a checking account so this was definitely something new and exciting to me. As time passed I had my ups and downs but I remained loyal to Wells Fargo, even after they charged me 7 NSF fees ( {$240.00} ) because my dad accidentally sent money through bill pay instead of depositing it like a normal person. They did n't even offer to remove the fees after I immediately called and explained what was going on. I stayed with Wells Fargo after they sent the police to my place of residence because they had this notion that I stole my fathers card and was trying to send money to my account ; after my father told them that this was a misunderstanding and that he in fact thought sending it bill pay would still get the money to me since I am his bill ( lol ). 

Now I am faced with the biggest dilemma of all times. I am in the process of buying my first home for me and my finally, so I pulled my credit report. As i read line item after line item, i see Wells Fargo Card Services listed on my credit report. To my shock, I am confused as to why I owe Wells Fargo something I never had? As I think back over the 6 years of being with Wells Fargo I have never been offered a credit card ; consequently it is listed on my credit report as the same amount, that was charged on my account when my dad messed up and sent the money through bill pay. How ironic is that? 

I have sent in letters, I have called, I have emailed customer care and no one is able to answer any questions. I am at my wits end and I need to get to the bottom of this. I am asking that you please look into this and find out what is going on. If there is no proof of this matter please remove this from all credit reporting agencies. I am begging you not to over look this email and trash it simply because you think its another person trying to scheme. Please help me figure this out so that I can be great for my family. 


Thank you in advance and I look forward to hearing from you. Please feel free to email me at the address.

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