Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Certainly! Here 's the revised version of your response incorporating both the FDCPA 809 ( c ) * * citation and the Action Requested section referencing * * FCRA 605B * * : -Response to Wells Fargos Claims and Fraudulent Account Dispute To : Consumer Financial Protection Bureau ( CFPB ) CC : Wells Fargo Customer Service Dear CFPB Representative and Wells Fargo , I am writing to clarify and formally respond to Wells Fargos claims regarding a credit card account that was fraudulently opened in my name. Wells Fargos statements fail to properly recognize my status as a victim of identity theft and do not adequately address the core issues in this case.

1. Fraudulent Account and Identity Theft The credit card account in question was opened without my knowledge or consent. I am a victim of identity theft, and this account was established using my personal information without authorization. Wells Fargo 's dismissive tone when referencing the definition of identity theft in communication with the CFPB is inappropriate and fails to acknowledge the seriousness of my complaint. 

By definition, identity theft is the unauthorized use of someones personal data to open or use financial accounts. I did not initiate or approve this account, nor did I authorize any purchases, transactions, or redemptions associated with it. 

2. No Agreement to Payment Plan Wells Fargo asserts that I enrolled in a payment plan. This is categorically false. I did not enter into any official agreement, nor did I sign or consent to such an arrangement. I made a general inquiry regarding options due to the impact of this issue on my ability to qualify for a mortgage loan not as an admission of responsibility or acceptance of any debt. 

Under FDCPA 809 ( c ) any inquiry or failure on my part to dispute the debt may not be construed as an admission of liability. I explicitly reject any implication that I agreed to repay a debt I did not incur.

3. Electronic Application and Consent Wells Fargo states that the account was opened through an online application that did not require a digital signature and was approved after a checkbox was clicked. This highlights a significant vulnerability in their application process and does not establish that I was the applicant. The absence of a signature or other meaningful identity verification raises further concerns about the legitimacy of the account and the banks verification practices.

4. Unauthorized Charges and Redemptions Wells Fargo has claimed that rewards were redeemed and the account was used for purchases. I had no involvement in any such activity, and I dispute all charges and transactions associated with this account. These actions were taken by an unauthorized third party and not by me.

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