Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
NOTICE TO : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WELLS FARGO IS DISREGARDING THE E-SIGN ACT Contact only via CFPB website and mail WELLS FARGO is knowingly disregarding the requirements of the Electronic Signatures in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 15 U.S.C. 7001 ) by accepting and processing agreements that were fraudulently signed using my electronic signature without my knowledge or consent. 
Despite my clear disputes, WELLS FARGO continues to : Ignore the legal requirement for informed and explicit consent before applying an electronic signature to any financial agreement. 
Accept fraudulently modified contracts without verifying that I personally reviewed and authorized each change. 
Dismiss my claims of unauthorized e-signature use simply because I have the merchandise, which is irrelevant to the legal validity of the contracts. 
The E-SIGN Act requires : Affirmative consent for every electronically signed document.

A clear demonstration of the signers intent to enter into a legally binding agreement.

Transparency and disclosure regarding the use of electronic signatures.

WELLS FARGO has failed on all counts. They have shown a reckless disregard for federal law and basic consumer rights, choosing to prioritize profit over legal compliance and ethical business practices.

I urge the CFPB to : Investigate WELLS FARGOs violations of the E-SIGN Act.

Hold them accountable for processing fraudulent contracts.

Protect consumers from systemic abuse by financial institutions that believe they are above the law.

This is not just about my caseits about a pattern of misconduct that threatens the integrity of electronic financial transactions nationwide. 
Respondents : Wells Fargo Bank , N.A . ( Financial Services Provider ) ends with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Use of E-Signature, Fraudulent Contract Modifications, and Failure to Address Consumer Dispute Summary of Complaint I am submitting this complaint against Wells Fargo and XXXXXXXX XXXX XXXXXXXX for engaging in deceptive and fraudulent practices involving unauthorized reuse of my electronic signature, post-signature contract modifications, and improper handling of my consumer dispute. 
On XX/XX/year>, I applied for financing through Wells Fargo for a purchase at XXXX XXXX XXXX. However, I later discovered that my electronic signature was reused without my consent to finalize additional agreements that I was not aware of, had not reviewed, and did not approve. 
Despite my multiple attempts to dispute the unauthorized agreements, Wells Fargo and XXXX XXXX XXXX refused to acknowledge the fraudulent use of my e-signature and continued to hold me financially responsible for agreements that I never signed. 
________________________________________ Detailed Allegations XXXX. Unauthorized Reuse of My E-Signature ( Violating XXXX & XXXX ) XXXX XXXX XXXXXXXX  and Wells Fargo reused my stored e-signature from the original XX/XX/year> transaction signature to finalize modified financing agreements and additional charges without obtaining my informed consent. 
XXXX XXXX trails show additional signatures attributed to me that I never provided, violating the Electronic Signatures in Global and National Commerce Act ( ESIGN Act, 15 U.S.C. 7001 ) and Uniform Electronic Transactions Act ( UETA ).

2. Fraudulent Contract Modifications Without My Approval XXXX XXXX XXXX  altered financing terms, delivery schedules, and charges without notifying me or obtaining my consent. 
Wells Fargo accepted and processed financing based on these altered documents, despite no proof that I had actually reviewed and signed them. 
3. Wells Fargos Failure to Investigate My Fraud Claim ( CFPA & TILA Violations ) After I disputed these transactions, Wells Fargos Retail Credit Card Fraud Department refused to conduct a legitimate fraud investigation, merely stating that I have the merchandise. 
This ignores the legal requirement that financing agreements must be valid, and that possession of merchandise does not override the right to dispute fraudulently obtained contracts. 
Wells Fargos refusal to correct these fraudulent charges violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 - UDAAP ) and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

4. Failure to Provide Clear and Conspicuous Disclosures ( Violating ESIGN Act ) The E-SIGN Act requires financial institutions to provide clear disclosures regarding electronic signatures and to ensure consumer consent is knowingly and explicitly given for each transaction. 
Wells Fargo and XXXX XXXX XXXX failed to present the agreements for review before applying my e-signature to them, violating federal consumer protection laws. 
________________________________________ Requested Resolution I request the CFPB to take the following actions against Wells Fargo and XXXX XXXX XXXX : XXXX. Investigate Wells Fargos acceptance of fraudulently altered financing agreements and XXXX XXXX Furnitures unauthorized e-signature reuse. 
2. Require Wells Fargo to provide all documents they claim I signed, along with full DocuSign audit trails, timestamps, and authentication logs.

3. Order the cancellation of any unauthorized financing obligations created without my informed consent and remove them from my credit records. 
XXXX. Impose penalties on Wells Fargo and XXXX XXXX XXXX for their violations of federal consumer protection laws, including the ESIGN Act, UETA, CFPA, and TILA.

5. Compensate me for any financial damages and emotional distress caused by their fraudulent actions.

6. Removal of all credit agencies I have provide additional supporting evidence, including DocuSign audit trails, email communications, and contract discrepancies demonstrating the fraudulent practices conducted by Wells Fargo and XXXX XXXX XXXX. 
________________________________________ Personal Impact Statement Since discovering the unauthorized use of my e-signature by Wells Fargo and XXXX XXXX XXXX, I have faced significant emotional distress, XXXX, and reputational harm. Ive been held responsible for debt tied to agreements I never consented to, causing : Severe stress impacting my work performance and personal life. 
Sleepless nights worrying about my financial security.

Fear of damage to my credit score, which affects my ability to secure future loans. 
The indifference shown by Wells Fargo and XXXX XXXX XXXX, despite my repeated attempts to dispute these fraudulent charges, has left me feeling powerless and frustrated. Their dismissal of my concerns, based solely on the fact that I have the merchandise, completely ignores the legal necessity of valid consent for financing agreements. 
The following fraudulent reuse of e-signatures came from these IP addresses... which is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief