Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been contacting Wells Fargo for quite some time regarding an account/line of credit that I do not recognize. My most recent attempt to resolve this matter began on XX/XX/XXXX, when I escalated my concerns via email to the Wells Fargo Board of Directors and other executives. Shortly thereafter, I began receiving calls from Wells Fargo executive office representatives. Since then, I have spoken with multiple representatives and managers, but my requests for debt validation have been ignored or deliberately mishandled. 

Specifically, I have made repeated requests under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, for the following items : A copy of the original signed agreement bearing my identification and signature. 

A complete and itemized payment history from account inception to present, including all interest, fees, and adjustments. 

A documented chain of custody showing ownership of the debt from origination to present, including all assignments, transfers, and sales. 

Despite the clear requirements of federal law, Wells Fargo has refused to provide these documents. Instead, representatives have repeatedly stated that Wells Fargo will only provide the documentation it deems appropriate. 

Most recently : XXXX XXXX told me I may or may not receive the documentation required under federal law and further claimed that Wells Fargo is entitled to interpret the law the way [ it ] sees fit. 

XXXX XXXX XXXX, identified as XXXX XXXX supervisor, stated that Wells Fargo has provided the documents it sees fit to validate the debt. When I asked him directly what was or was not included in the so-called packet of documents, he admitted that he had no identification on file and did not even know what a chain of custody was. He repeatedly said those items were not included in my packet, suggesting they existed but were being withheld. 

I am also very concerned that XXXX XXXX XXXX stated that once a case reaches the supervisor/manager level, Wells Fargo no longer records phone calls. This lack of transparency is alarming. I did, however, lawfully record my most recent call with XXXX XXXX. As I confirmed, both XXXX  ( my location ) and XXXX  ( the location identified from XXXX XXXX XXXX phone number ) are one-party consent states, making my recording fully legal. I am happy to provide this evidence. 

The account in question is reported as a {$2000.00} charge-off on my credit report, allegedly opened on XX/XX/XXXX. I do not recognize this account. On XX/XX/XXXX, I reminded XXXX XXXX XXXX that under FCRA 611 ( 15 U.S.C. 1681i ) Wells Fargo had until XX/XX/XXXX to either validate the debt by providing the requested documentation or delete the account as inaccurate or unverifiable. Instead, XXXX XXXX XXXX confirmed that Wells Fargo is done investigating and told me I could escalate outside of Wells Fargo if I so choose. 

Wells Fargos refusal to provide debt validation, its misrepresentations regarding federal law, and its internal practices ( including ceasing call recordings at the management level ) demonstrate willful noncompliance with the FDCPA and FCRA. The companys actions are harming my ability to secure safe housing and damaging my creditworthiness.

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