Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This complaint is directly related to the Wells Fargo case # XXXX lines # XXXX My late husband XXXX XXXX was a branch manager for Wells Fargo and past away in XX/XX/XXXX. At the time we had out checking account and Mortgage with Wells Fargo. He had his business/work separate and I had no knowledge of those accounts. I was forced to short sale the home and close out the accounts after his death at the direction of Wells Fargo and they made no offers of compensation or settlements of any accounts. Then since then I have been wondering why I have had to pay such high interest in all of my credit accounts and car loans. 

Then fast forward to XX/XX/XXXX I was remarried to XXXX XXXX and we wanted to buy a home and we were advised that Wells Fargo has a credit card that was charged off which we had no knowledge of the account and did the normal dispute. But over the months we have tried to contact Wells Fargo and have been disputing with the credit bureaus over and over again and they continue coming back saying it is been verified as valid. Then out of frustration on XX/XX/XXXX I wrote a complaint letter to Wells Fargo in reference to Account # XXXX then I received a response letter from " XXXX XXXX at Wells Fargo '' to contact her as they are researching our complaint. We called over and over again and left messages. Then they Wells Fargo came back with a letter on XX/XX/XXXX that is so false it is shocking with statements. 

My name was never authorized to be on the credit card account. Wells Fargo closed the credit card with a XXXX  balance on XX/XX/XXXX shortly after they got the confirmation of my late husbands death in XX/XX/XXXX of which I have copies of the statements that Wells Fargo sent me. Then on XX/XX/XXXX Wells Fargo apparently used my personal Information from the previous Mortgage to reopen the credit card ( 26 months later ) in my name without my authorization an account I had no liability or knowledge of. The recent letter of XX/XX/XXXX Wells Fargo writes numerous lies and claims that because I had a joint checking account they assume I was liable for the credit card balance too after 2 years. Now Wells Fargo is trying to cover their tracks. I never knew nothing of this account until XX/XX/XXXX and now know why I have been suffering since XXXX. 

Wells Fargo has been posting this on my credit reports for years and has cost me an estimated {$10000.00} in extra fees and interest which I hold Wells Fargo directly responsible for. Wells Fargo had taken monies from my accounts when my late husband past away and tried to justify it that it belonged to the bank and I have learned that is not true either. 

Right now, My new XXXX husband and our XXXX year old XX/XX/XXXX son and I are being held XXXX  by Wells Fargo for posting this fraud account on my credit files and we are unable to get a mortgage until this is removed from my credit files.

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