Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

I complained against Wells Fargo Agents, especially WF executive resolution specialists for the past 3 years from XX/XX/XXXX until XX/XX/XXXX when they failed to address Wells Fargo Bank 's issues in mismanagement of I requested stop payment to XXXX, a company who provided the connection of the XXXX  product with no retail license to sale XXXX  product. But they fraudulently charged my Wells Fargo Visa Card for the service of connection of XXXX camera plus the retail price of the product with a promise to perform on XX/XX/XXXX. I requested WF stop payments in time, but WF disputed agents took 45 days to investigate and paid for them without my agreement. I complained about XXXX XXXX XXXX to the CSLB ( California State License Board ) about their fraud and failure to resolve the issues but XXXX managers ignored the complaint. CSLB informed me that XXXX XXXX  is only a service, not a retailer, if they charged for the product and WF paid for them that was a WF agent 's problem. For the labor service, the time limitation was 90 days to litigate the issue. I disputed the money that WF agents paid for XXXX because WF agents found no fraud in XXXX XXXX and made me pay for a WF Visa Card when I requested not to pay XXXX. I complained against WF agents and WF Bank for fraud starting on XX/XX/XXXX for mismanagement of my Visa Credit Card money. No longer the XXXX XXXX issues. However, the WF agents used the same strategy from 1 to another taking time to research and concealing with no wrongdoing of WF agents. I always paid my WF Visa monthly balance on the second day of the following month in contrast WF failed to keep the XXXX XXXX dispute amount of {$2400.00} but commingling with the monthly balance. On XX/XX/XXXX, the WF solution specialist assured me to take the new card ending XXXX because I had a $ XXXX  monthly balance on the old card, but they lied with their billing error to transfer the disputed amount on the new card plus the interest rate putting on the card that I never used and never requested to have it. WF mediator paid me {$1800.00} for WF Visa card fraud with the written statement that this is non-binding because the disputed amount of XXXX XXXX  was resolved by WF Executive Dept that was separate from WF Visa Card issuance fraud, and the damage of credit score had to contact the report to XXXX major bureau Credits for my Visa Card delinquency that knocked down my credit score from XXXX to XXXX when 3 Credit Bureaus Confirm that from WF Visa Billing Report. They suggested contacting the WF Credit Department to have it fixed, but the WF Credit Dept did not respond to my mail with a USPS return receipt in XXXX. 
WF agent 's fraudulent acts are as follows : 1 ) financial elder abuse and harassment by calling and mailing a monthly statement at their fabricating record for the card that I never used.

2 ) failure to clear their wrong payment t
o XXXX, but the WF executive specialists suggest I sue XXXX XXXX for the product sales in XXXX 3 ) taking time to research, denying to resolve the issue, suggesting to make a new complaint if disagreement with their solution. Circulating back to the loop for 3 years, making me sick and draining my emotion and strength to fight for their wrongdoing 4 ) I sent WF a notice of intent to litigate on XX/XX/XXXX and requested them to provide their Legal Contact information to serve the summon, but they kept postponing with the promise that WF Legal Agent would contact me ( WHEN ) or threatening to hire a lawyer to contact their Legal Dept where I'm a self-representative. 
5 ) WF Agents refused to fix the damage to my credit score for 2 years. 
I have complained to CFPB a total of XXXX complaints but WF never addressed the complaint but took time to research and fabricate the materials to match their alternate facts. I need CFPB to provide me the WF Legal Contact Information so that I can serve them the summon when I litigate the issues. If WF refuses to provide their Legal Contact information for clients in California, I request CFPB provide it to me because it should be open to the public.