Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it concerns, This issue has not been addressed nor resolved. I have attempted on several occasions to resolve this issue with Wells Fargo, and They have either been unwilling to assist or provide false accusations. I am a victim of identity theft. Wells Fargo Opened Several Credit Cards in my name without my consent back in XXXX and XXXX. Additionally Wells Fargo opened Deposit Accounts without my consent or permission at the same time. Wells Fargo during this time was opening accounts to provide false sales tactics. The CFPB Previously fined Wells Fargo for this back in XXXX. Wells Fargo has not provided any remediation for this issue. I am a victim of identity theft. Wells Fargo did not clear the extended fraud alerts on my credit files before opening these accounts. I did not receive any credit cards or applications for these credit cards. I believe these were opened either online or in branch. Whomever opened these accounts had addresses listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have not lived at any of these addresses. I did not receive a physical card for these accounts. I did not sign up for Online Banking for these accounts. I did not sign any applications for these accounts, and I am a victim of identity Fraud. Wells Fargo confirmed the Deposit Account accounts as Identity Theft Ending in XXXX and XXXX However Wells Fargo advised that they have determined I am responsible for these credit cards or I benefitted from them. This is false. I never once received a single credit card, and I did not receive any money or proceeds from these accounts. Nor Did I sign any applications. I believe that they opened the following credit cards as Identity Theft, and I also believe it may have been conducted from a Wells Fargo employee during their sales tactic scandal. Which caused Identity Fraud and Damage to my identity which has caused my own out of pocket expenses in the amount of over {$50000.00} and Wells Fargo refuses to provide remediation for this issue or any financial assistance. Account ending in XXXX ( Visa Card ) Shows Overdraft To XXXX, and XXXX XXXX XXXX card ending in XXXX Shows Overdraft Advances and Online Advances to Account # XXXX Also Confirmed by the bank as Identity fraud. I have letters from their Identity Theft Department which states they closed Deposit Account Ending in XXXX and XXXX as confirmed Identity Theft that I did not authorize these accounts. Confirmed Fraud. However they are stating I am liable for Credit Cards that have advances to these fraudulent accounts. As I stated Previously, I did not ADVANCE anything. The only reason I got a statement was because Wells Fargo Scheduled a Mediation session with me regarding the deposit accounts so they sent me statements last week to show these credit cards as well which I had never received in the past. This is my first time ever viewing these statements and I don't know whom they sent the statements to. I do not believe I should be responsible nor liable for accounts with thousands of dollars in duplicated charges, that I did not conduct since I never received any Credit Cards from Wells Fargo. Nor should I be responsible for Online Advances, Or OverDraft Protection Advances that were conducted on these credit cards to these fraudulent bank accounts. Wells Fargo already confirmed the deposit accounts as fraud. Lastly Credit Card XXXX and XXXX Are Also fraudulent applications and they also show fraudulent Overdraft protection advances and online advances to these fraudulent checking accounts. I can take a picture of these statements that they just sent me last week and provide proof of the overdraft advances. I also never received a single credit card in the mail and Wells Fargo confirmed they mailed them to fraudulent addresses. I should not be responsible for Wells Fargo conducting and applying for fraudulent accounts without my consent. I am a victim of Fraud. I am a victim of identity Theft. Wells Fargo is not providing Redress nor Monetary Relief for these fraudulent credit cards. Instead Wells Fargo has not conducted a proper investigation. These cards should be closed as Identity Fraud Considering the overdraft and online advances that I never made. Nor did I make any purchase. Additionally all of these credit cards were fraudulent and are fraudulent. I did not conduct any transactions on these accounts nor did I receive any documentation or credit cards. I did not sign any applications. XXXX, XXXX, XXXX and XXXX and XXXX, XXXX, XXXX

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