Consumer complaint received 2025-09-09 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 XXXXXXXX XXXX XXXX Email XXXX XXXX Phone : XXXX Date : XX/XX/2025 To : Wells Fargo Bank , N.A . 
Office of Executive Complaints [ Insert Address from Letter ] CC : Consumer Financial Protection Bureau ( CFPB ) CC : Credit Reporting Agencies Re : Formal Rebuttal & Continued Dispute Wells Fargo Credit Card Account To Whom It May Concern, This letter serves as my formal rebuttal to your most recent correspondence in which you stated that this matter is considered " closed. '' I dispute that determination and demand a full and fair reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA, where applicable ). 

Your letter references the following points, each of which I challenge : Signed Application / Account Opening You allege I opened this account in-branch and signed a credit card application and agreement. Despite my repeated requests, you have failed to provide a verifiable, original signed contract containing my signature. Generic forms, copies, or examples of applications do not meet the standard of proof required.

Returned Payments / Delinquency Reporting You claim payments were returned for insufficient funds from my financial institution, yet you have not provided documentation from the originating bank, such as NSF notices, returned payment codes, or bank confirmations. Without these records, your assertion is unsubstantiated. 

Proprietary Processes Your refusal to disclose essential verification on the grounds of proprietary processes is unacceptable. While I understand certain systems may be internal, that does not exempt Wells Fargo from its obligation under federal law to provide sufficient evidence to substantiate the accuracy of the account and tradeline reporting.

Benefit of Use You allege that I benefitted from the use of this account based on the statements provided. Receipt of billing statements does not prove liability. Only a legally binding, verifiable contract and full payment history from both institutions can establish that I am lawfully responsible.

Closure of the Matter You do not have the authority to unilaterally consider the matter closed. As a consumer, I retain my legal rights to dispute incomplete, inaccurate, or unverifiable information being furnished to the credit reporting agencies. Unless you provide the complete documentation requested, including proof of account opening, original signed application, and detailed payment records from the financial institutions involved, you are obligated to remove this tradeline. 

Formal Demand Provide a complete copy of the original signed credit card application/contract. 

Provide all payment records, including bank return notices, confirming your claims. 

If you can not verify with proper documentation, delete the account and all related derogatory reporting from XXXX XXXX XXXX XXXX immediately. 

If Wells Fargo fails to comply, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, and the XXXX  Attorney General, and I will consider pursuing legal remedies for violations of my rights under federal law. 

This letter is written in good faith with the intent to resolve this dispute. Please respond in writing within 15 days of receipt. 

Sincerely, 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