Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Against Wells Fargo for Mishandling Credit Account Investigation and Misrepresenting Facts To Whom It May Concern, I am filing a formal complaint against Wells Fargo Bank, N.A., regarding the mishandling of an investigation into my credit card and their ongoing violations of the Fair Credit Reporting Act ( FCRA ). 
Summary of Issues : XXXX. Failure to Provide Requested Documentation : On or around XX/XX/scrub> 2025, I requested that Wells Fargo change the report submitted to the bureau of credit that established the ideocracy they believe I request to reopen the account. Provide a copy of the recorded voice conversation that they claim documents my request to close the account. As of today, I have not received any such documentation or evidence. 
XXXX. Misrepresentation and Fabricated Statements in Response Letters : Wells Fargo has repeatedly issued letters with misleading summaries of my complaint, including incorrect timelines and statements that do not reflect what was requested or discussed. These letters reflect poor handling by the same employees who conducted the investigation, showing a lack of competence and integrity. 
XXXX. Lack of Transparency About My Communications : Despite multiple requests, Wells Fargo has not provided any written documentation confirming the specific date I allegedly visited a branch or called to terminate my credit card services. If these interactions occurred and were recorded, they must provide proof of such. 
XXXX. Unjustified Closure of the Complaint : Instead of providing a substantive response, Wells Fargo has closed my complaint multiple times with excuses such as " needing more time, '' which is a clear stall tactic. This response is unacceptable and shows a pattern of incompetence. 
XXXX. Violation of Fair Credit Reporting Act : Wells Fargo is currently reporting to the credit bureaus that I closed the account, when in fact I did not. This is a false and damaging statement that violates my rights under the FCRA. 
XXXX. I request everything been provided on writing and no more phone calls, because they are not looking to fix the wrongdoing in their own actions. 
XXXX. I am not interested in any electronic communications, send me a physical letter by mail, this will ensure that you are taking the time to review the documents before you mailed, and please do not send me a letter requesting more time, you already have complete such investigation 2 times, and this will be your 3rd investigation, so doit right. Dont be lazy. 
XXXX. Please highlight with a yellow or orange color, the document on the credit card policy that establishes if a customer doesnt use the card, will be reported to the bureau of credit that the customer closes the account. 
XXXX. Expanding the content in the letter received the information reported to the bureau of credit is accurate ( you havent provided me with a single piece of paper that shows in this matter I had closed the account ). 
XXXX. I was also contacted by your employees, and they mentioned that I had debt, so please expand this research. 
XXXX. If you intend to investigate something and request 10 business days, please do not respond a few weeks later that the information reported back on XX/XX/XXXX of 2025 is accurate, that is XXXX in the XXXX XXXX XXXX XXXX. 
XXXX. I dont want to be your customer ; I just want you to fix your incompetence. 
XXXX. Bring your EGO down, but you still offer the worst customer service experience. 

Sincerely, XXXX XXXX XXXX XX/XX/year>2025 2025

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