Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo claims to have " thoroughly addressed " their repeated mailing of mediation request forms, in which case, there is no mention of these forms in prior replies via CFPB complaints. I've reviewed prior replies from Wells Fargo reps, there is absolutely no mention of their runaround mediation forms ... Reps at mediation program hang up call, refuse to provide mediation. These forms are sent in reply to unauthorized accounts opened by Wells Fargo reps including account ending XXXX, account ending in XXXX, a Jewelry account, XXXX XXXX XXXX.. Due to accounts opened, my credit has been impacted, credit score dropped, been denied credit. Further, I was not reimbursed for a debit card purchase in amount of {$290.00} made under account XXXXWells Fargo extent to addressing fraudulent credit account includes closing account and removing it from credit file, no reimbursement for damages to credit. It appears Wells Fargo refuses to address issue pertaining to runaround with their mediation request forms, a total of nine or more of these forms have been filled out, returned, acknowledgement letter received..Please note, last two forms filled out were in good faith, additional forms will be refused... The last tracking ID provided by mediation program is XXXX. When the number on letter is called, XXXX, I am told mediation efforts exhausted or am hung up on ... With regard to any efforts made, I believe this refers to a prior mediation from XXXX, in which case, this mediation refers to older deposit accounts from around XXXX, also unauthorized. I can assure the CFPB there were no such efforts made with regard to accounts which are unauthorized including checking account ending in XXXX, XXXX XXXX XXXX ending in XXXX. Previously, a payment in amount of {$3700.00} was offered to me by XXXX XXXX in XXXX of XXXX, sent to my old address after moving, never received. I requested proof of address verification, was provided with a letter from a XXXX XXXX agreeing to a remediation payment in amount of XXXX, nothing at all to do with payment in amount of {$3700.00}, does not show address verification .... No proof of address verification. When runaround with mediation forms is brought to Wells Fargo attention, they refer to prior replies and or ignore issue, as stated before, there is no mention of their runarounds. I've reviewed last reply from today, XX/XX/XXXX, Wells Fargo rep implies I am " dissatisfied ", with mediation program, does not address repeated runaround with mediation program. Most recently, I've received calls from Wells Fargo fraud dept as well as Wellls Fargo home mortgage line, was told they have removed XXXX XXXX XXXX as a merchant under their retail program, nothing at all to do with damage to my credit. There is mention of " mediation payments " in amounts of {$17.00}, {$50.00}, {$400.00} none of which received.. It appears Wells Fargo reps are attempting to offer these payments in leiu of their runaround with mediation forms... .They claim these payments stem from charges for products /services charged on prior deposit accounts... I can assure the CFPB this is a lie. The payments appear to have been sent each time additional CFPB complaint filed, in leiu of their mediation request forms which are a mere runaround. These payments were not mediated or agreed to, do not cover damages, will not be accepted. Prior WellsFargo rep claims check in amount of {$400.00} cashed, in which case, not by myself. As stated before, payments do not cover damages. Wells Fargo has been fined by CFPB in amount of {$3.00} billion for their handling of accounts such as ones named in this complaint, has little to no credibility, which goes to show in their runarounds.. Further, two lawsuits have been filed recently against Wells Fargo pertaining to unauthorized accounts/products and services including XXXX XXXX Wells Fargo XXXX XXXX XXXX Wells Fargo . Unless Wells Fargo is willing to offer a reasonable settlement offer to cover damages, I request CFPB fine Wells Fargo for handling of issues above, including their numerous runarounds. Any additional mediation request forms will be refused, I refer back to last tracking ID 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