Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Re : Wells Fargo Bank negative reporting & their error I DO NOT KNOW IF THIS IS EVEN REALLY MY ACCOUNT THAT THEY ARE REPORTING TO THE XXXX OR IF IT IS FRAUD, BUT WELLS FARGO CAME UP WITH A FALSE ADDRESS THAT I WAS NEVER ASSOCIATED WITH. 
IN 2013 ONE OF THEIR BANKERS GOT TO KNOW ME AS A CUSTOMER, THEN KEPT ASKING ME TO HELP HIM WITH A BUSINESS LOAN AND TOLD ME HE WAS LEAVING THE BANK. FROM WHAT I KNOW ABOUT THE LAW, THIS WAS AN IMPROPER RELATIONSHIP AND IS WHY I LEFT Recently when I opened a new Account with XXXX XXXX XXXX which I was Banking with for several years with what I believe was a record of good standing and strong balances, no issues at all with XXXX XXXX XXXX. 

After a perfect record with XXXX XXXX XXXX for several years when I opened a new account they discovered the XXXX negative record from Wells Fargo and closed " All '' my Accounts, I am now having a problem opening any Bank Account because of this XXXX incorrect record. 

It has taken me over a week just to find out what was the problem because XXXX would not tell me the reason, and I know 100 % I have handled my Banking properly. 

Through many inquiries and much research, I became aware that it was Wells Fargo Bank was reporting XXXX negative items to XXXX. In 2013 I had decided to close all my accounts at Wells Fargo, and what I did was to XXXX them out and close. Which at a branch in 2013 I did confirm that they were closed. 

First I called Wells Fargo Customer Service and checked if I owed any money, I had the Rep double check and he confirmed that I had no money owed to Wells Fargo. 

So after much research I figured out how to get a copy of my XXXX Report which I did receive & review. Although it is a bit complicated to understand when I had a XXXX representative on the phone I was told that the " only '' negative report was from Wells Fargo, and it was for two issues. 1. ) That I had " disputed a charge on my debit card '' and when they sent me a report to fill out I never returned it. 2. ) That I had deposited a " expired check ''. 

After some time, I believe I figured out what they meant by an " expired check ''. I had a number of Credit Cards that would send me checks to use to do things like transfer funds from another Credit Card, or write it as if it was from my Bank Account. So what I believed happened is that " in error '' I deposited a check that had in fine print an expiration date. But by way of my " online account '' at Wells Fargo I managed to zero the balance. 

I " never received any USPO mail or email from Wells Fargo '' concerning either issue. 

When I spoke to Wells Fargo Customer Service XXXX Dept., and when I reviewed the XXXX report I received I was told and it shows on the XXXX report that Wells Fargo has on record for me an address in " XXXX XXXX, FL ''. I have never lived or used any mailing address in XXXX XXXX, FL, and I never gave that address to Wells Fargo, my XXXX report and any other history will confirm what I am saying, I never lived in XXXX XXXX, FL, and never used a XXXX XXXX Mailing Address. 100 % for sure my record will reflect that. How Wells Fargo got that Address associated with me or my account I do not know. They do have a history of making " False Fraudulent '' Accounts Logic, if Wells Fargo made an error somehow and had the wrong address on my account of course if they were mailing the complaint form to that XXXX XXXX, FL address I would never get the complaint form they claim they sent me, so logically I could not and did not respond. I know for sure 100 % I did not ever use that address or was I ever associated with it as I previously stated. 

I know for certain you will not find me in any way associated with that address, it is Wells Fargo that caused the problem of me not receiving or completing the report that they report negative information to XXXX, I want that removed from my XXXX report

Company response to consumer: Closed with explanation