Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX and the XXXX refuse to acknowledge my disputes and complaints. The CFPB is continuing to close my disputes or mark them as duplicates regarding XXXX XXXX. This is denying me the right to voice my complaint and I ask for investigation concerning the denial of my constitutionally protected rights on both state and federal levels. As a living free man on the land and a unenfranchised man living under common law I can not assert my rights to these corporations as I should be able to using the CFPB platform. I have the right to ask these questions and obtain the responses back as to why and how my finances are being handled and why my credit is being withheld or denied. 

Dear XXXX XXXX  XXXX Wells Fargo Home Mortgage/ and CFPB Compliance Team, I am writing to formally dispute the recent denial of my credit application, dated [ insert date ], application, issued by XXXX XXXX  XXXX The decision letter I received was vague and did not explain the specific reasons for the denial. I believe the outcome may have involved the use of automated or artificial intelligence ( AI ) -based decision-making, and I am raising concerns regarding the transparency, accuracy, and fairness of this process. 

XXXX. Lack of Explainability ( Right to Meaningful Explanation ) The notice I received does not provide a clear rationale behind your decision. If XXXX XXXX  employed any automated systems or AI models in the credit evaluation, I request a detailed, human-readable explanation of how my data was processed and what specific criteria resulted in the denial. 

Under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), I am entitled to a clear explanation of any adverse action taken against me, including decisions driven by automated systems. 

XXXX. Potential Data Inaccuracy or Misapplication I am concerned that the decision may have relied on inaccurate, incomplete, or misapplied data. I therefore request a full audit trail or breakdown of the data used, including but not limited to : Credit bureau data sources Income or employment verification tools Any third-party scoring or automation tools used Data mapping or categorization methods involved in risk assessment If vendors such as XXXX, XXXX, or other XXXX XXXX XXXX were involved, please clarify their role and the information they provided. 

XXXX. Possible Discriminatory Bias or Algorithmic Inconsistency I also request that XXXX XXXX  review whether the system may have relieddirectly or indirectlyon biased historical patterns or proxy variables ( such as ZIP code, education level, or other demographic indicators ). These practices, even if unintentional, could contribute to disparate outcomes and raise compliance issues under fair lending laws. 

In light of these concerns, I respectfully request a manual review of my application by a qualified XXXX XXXX  analyst. If unjust or flawed evaluation criteria are discovered, I ask that my application be reconsidered on a corrected and fair basis. 

Requested Actions : A detailed explanation of the credit denial decision. 

Disclosure of any automated or AI-based tools used in the review process. 

Manual reevaluation of my application. 

Rectification of any data or model-based issues that may have affected the outcome. 

I request a written response within 30 days in accordance with applicable consumer protection laws. Should I not receive an adequate explanation or resolution, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies as allowed by law. 

Sincerely, XXXX XXXX : XXXX the living man of sound mind with capacity to contract

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