Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Formal Dispute of Alleged Account Case Numbers XXXX, XXXX, XXXX Account Ending in : XXXX CFPB Case Numbers : XXXX XXXX XXXX To Whom It May Concern, I am formally disputing, again, the alleged Wells Fargo account referenced above. Your XX/XX/year> letter is insufficient, fails to satisfy your obligations under federal law, and does not constitute proper validation of the alleged debt. 

XXXX. Failure to Provide Proper Validation Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to provide competent, verifiable evidence that this alleged account is mine and that you have the legal right to report or collect it. 

Sending me a copy of an application and generic account statements does not establish liability or authenticity. 

You have not provided a full chain of title, accounting records, or proof of my wet-ink signature acknowledging responsibility for the alleged debt. 

XXXX. Disputed Accuracy of Records Your claim that this account was used for purchases and that payments were made is irrelevant without a full accounting that ties every transaction to me directly. A few selected statements do not prove that I am contractually liable. I demand a complete accounting history from the opening date through the alleged charge-off. 

Furthermore, you allege that automatic payments were returned due to insufficient funds, yet you refuse to provide documentary proof from the financial institution where such payments were supposedly drawn. That omission alone renders your reporting incomplete, unverifiable, and inaccurate. 

XXXX. Statutory Violations By continuing to report this disputed account without proper investigation and proof, Wells Fargo is in violation of FCRA, 15 U.S.C. 1681s-2 ( b ). If you can not provide indisputable validation, you must delete all references to this account from my credit reports immediately.

Additionally, your repeated boilerplate responses stating that my concerns were previously addressed demonstrates a willful failure to conduct a reasonable reinvestigation as required by law. 

XXXX. Formal Demands I demand the following within 15 days of receipt of this letter : Complete validation of the alleged debt, including : Original application with my wet-ink signature Full accounting of all charges, payments, and interest from inception to closure Documentation proving Wells Fargo has the present right to collect and report the debt Removal of this account from all consumer credit reporting agencies if validation can not be provided. 

Written confirmation that you have ceased reporting and collecting until proper validation is supplied. 

XXXX. Notice of Escalation Failure to comply will result in immediate escalation, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and Florida Attorney General. 

Seeking remedies under federal and state consumer protection laws for damages, attorneys fees, and injunctive relief. 

This letter is not a requestit is a formal demand. I will hold Wells Fargo fully accountable for any continued violations of my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB )

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