Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Today on XX/XX/XXXX, I got a call at about XXXX XXXX saying that I had a civil case pending on a recorded message from a place called XXXX XXXX XXXX XXXX. I was obviously concerned so I took the call and talked to the " case XXXX '' as they identified themselves.They told me that I was about to have my case sent to civil court and sued and that they were going to make it so that I could t get another bank account at any bank, including XXXX and XXXX XXXX, for the next XXXX years if I don't decide to accept their payment arrangement by tomorrow at XXXX. I thought the charges might be fraudulent because I didn't make them so I asked for the statements to see what the charges were for and they refused to give me that information. I remember XXXX years ago or whatever it was they said that I tried to log into that bank account app to use it at XXXX point and they had closed the account and denied me access to online banking. At that point I just decided to get a different bank. I didn't leave the balance negative and I didn't like their monthly fees. So I stopped thinking about it. They said they have tried to contact me over the last XXXX years but I haven't gotten a single letter or anything saying I owe Wells Fargo over {$1000.00} for reasons I don't know, or I would have called angry to figure it out. Finally the lady I spoke to said that there was a ghost charge or something that opened the account again and that I signed paperwork agreeing to these terms when I signed up for the account. They continued to charge me over a XXXX dollars off of what would have been a small ghost charge for a subscription fee or something that probably wasn't even over {$20.00} over the course of XXXX years. So basically a few bucks turned into over a XXXX... but I don't know what it was for because they refused to give me any information about what the charge was for saying they didn't have access to the information and that I would have to hire a lawyer that I can't afford to get that information. I told them that I was unemployed the last year and that I don't have any money and they said my XXXX options were to either pay half of the money owed in a lump sum today... so {$500.00} something bucks .. or I have to pay them over {$100.00} a month until the debt is paid off. She refused to give me any information. She said that she had no control over these terms and that attorneys have already put these things into place. And that if I don't accept XXXX of her XXXX offers by XXXX tomorrow that I will never be able to get a bank account at literally any bank anywhere for the next XXXX years. And threatening me with extra charges from legal fees that she said " would definitely be put on to my bill if I don't pay ''. Wells Fargo permitted an unauthorized residual charge to reopen a closed account and then allowed automated systems to stack predatory fees totaling over {$1000.00}. This is exactly the type of illegal activity addressed in the XX/XX/XXXX CFPB consent order against Wells Fargo ( XXXX XXXX. XXXX ) according to my research. I demand that Wells Fargo recall this debt from XXXX XXXX XXXX XXXX and clear my record. ''

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