Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo [ WF ] knowingly and intentionally made categorically false statements and fraudulent misrepresentations of facts to obfuscate actual events and conceal WF 's actions. 

WF 's actions & inactions are allowing identity theft & felony fraud while hiding the perpetrator. 

My primary objective is to identify the criminal and charge them to the fullest extent of the law. 

My identity was stolen on XX/XX/XXXX. I reported it to the FTC [ # XXXX ] & local law enforcement [ XXXX ]. Someone opened a WF credit line in my name as an Authorized User [ AU ] for $ XXXX & simultaneously charged approx. $ XXXX. It caused my credit score to drop XXXX points in 1 day & XXXX points every month as they're making min. payments. The balance has been as high as $ XXXX $ XXXX over the limit- causing my credit to plummet further. 

Worse, according to you [ CFPB ], I'm responsible for $ XXXX of charges that I didn't make. If payment isn't made, I can be taken to collections, & my assets can be seized. WF can try collecting from the Primary Credit Card Holder [ PCCH ], but they can also go after me. 

I contacted WF in XX/XX/XXXX. Initially, WF refused to provide me with any information. I opened a case with the Attorney General [ AG ] # XXXX. Finally, on XX/XX/XXXX, I spoke with a WF Fraud Representative named XXXX XXXX, who stated that it was identity theft, credit card fraud, & potentially wire fraud. She gave me her direct number ( XXXX ) XXXX XXXX, noted these are serious felonies, & she'd work hard to resolve this matter quickly. Unfortunately, I spoke with XXXX over the phone while on vacation and put nothing in writing. She agreed to provide info on 1 - 7 below [ unsure about 8 ] 1- Primary Credit Card Holder Info- name, address, phone... 
2- How was account opened- online? in person?

3- Info used about me to open account- SSN? Birth date?

4- Purchases under my name- what? where?

5- How were 'my ' purchases made? online?

6- Payments made- how? Mail?

7- IP addresses for all online banking activity under my name 8- Total credit line for PCCH [ if possible ]. Why XXXX? 

I never spoke to XXXX XXXX again & she didn't return my calls. On XX/XX/XXXX, I contacted the AG, who again contacted WF. WF finally responded on XX/XX/XXXX in writing & by phone [ case # XXXX ], & closed my case! I spoke with XXXX XXXX XXXX XXXX XXXX on WF 's Executive Team [ the highest fraud level ], who verbally advised me to report this to law enforcement and get an attorney [ omitted from their letter ]. 

WF 's letter contains 12 outright lies- ranging from made-up events of things that never happened to total distortions of facts. 

The most outrageous lie is that WF DID find the fraudulent AU account opened XX/XX/XXXX ; my credit report now states, 'previously in dispute, now resolved, reported by subscriber. ' Other WF lies in letter ; A- I never had a WF AU account on XX/XX/XXXX B- WF didn't contact credit agencies on XX/XX/XXXX C-WF didn't report to 'third agency ' XX/XX/XXXX D- XXXX XXXX still has the same phone # ( XXXX ) XXXX XXXX ( ridiculous lie! ) ( proof provided ) E- I never asked for the PCCH 's personal info. 
WF refused to provide any info.- about the PCCH [ criminal ] or 'my purchases ' - literally, zero. Their letter states that I " no longer have the right to any of my requested info as they removed me as an Authorized User, '' which indicates that I DID have a right to the information when I asked for it. 

The account opened on XX/XX/XXXX is still active & I'm still an AU. I'm asking the CFPB to make WF act with honesty & integrity. Please require WF to provide as much info. as possible in the itemized list of 1-8 above. 

Also, to provide proof of these WF claims [ false statements ] -WF AU account XX/XX/XXXX -letters to credit agencies XX/XX/XXXX -letter to 3rd agency XX/XX/XXXX Thank you, CFPB! This consumer definitely needs your help and protection. 

It's incredulous that such a 'trusted ' long-standing financial institution could behave with such dishonesty and lack of integrity.