Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : Case number XXXX XXXX Account ending in XXXX Please be advised that I am in receipt of your mailing of XX/XX/XXXX. I appreciate your continued support and understanding in this attempt to resolve chronic fraudulent intrusions on my accounts. However, It is noted that it is incomplete and inaccurate relating to Wells Fargo XXXX XXXX XXXX. I had already reviewed and highlighted the entries and find that many are fraudulent as already reported to Wells Fargo on XX/XX/XXXX. Most of the entries were from a card that was reported stolen. Please also note that a payment on XX/XX/XXXX and XX/XX/XXXX may have been suspicious and did not originate from cardholder, but from consolidator contracted to resolve account balance on Wells accounts. Instead the 3rd parties added unauthorized charges to bring the account well above previous card limits. 

Please note that the cardholder in this action had already submitted documentation in XXXX, that they were a victim of identity theft as reported to FTC, CFPB and federal authorities. An account was established with XXXX shortly thereafter to protect against future issues. 

I do not believe the entire debt is accurate nor my responsibility. Under the FAIR DEBT COLLECTION ACT, I have the right to request and receive validation of the debt including but not limited to a copy of all of the following : -An explanation of what this alleged account balance is for? 
-A calculation of this balance, including the complete payment and alleged charge history of this account. 
-Documentation that shows I agreed to pay this debt. 
-An original signed contract that allows you to collect this alleged debt. 
-A copy of notice of any re-assignment of debt form the original lender with my consent to re-assignment. 
-A copy of your state license, including license number, and your authority granted to collect said debt. 

I further demand that you cease and desist constant harassment and phone calls. 

THIS ACCOUNT REMAINS IN DISPUTE. 

While it appears as though some adjustments and credits have been applied, there are significant fraudulent charges, many from out of area, in previous statements that were reportedly made from stolen card. A thorough review of the enclosed statements resulted in shock at the apparent abuse of this account. These charges are highlighted in attached documentation. I have already notified XXXX and other vendors of fraudulent use of my accounts. Additionally, some of the alleged XXXX purchases appear to be gift cards ; due to the nonrefundable and suspicious nature of Gift Cards, it is not typical not practical for a XXXX XXXX to purchase. Please notify me via XXXX if any other documentation is needed to verify. 


wwo/ cc : MA AXXXX XXXX CFPB, encl.

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