Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Wells Fargo Bank , N.A . 

Refutation of Debt Validation Account ending in XXXX ( Reference CFPB Complaint # XXXX ) To Whom It May Concern : I am writing in response to your recent Debt Validation letter regarding account ending in XXXX. This letter is intended as a formal dispute and refutation of your validation, and I will be submitting it as evidence to the CFPB in support of my ongoing complaint # XXXX. After careful review of the documentation provided, it is clear that Wells Fargo has not provided adequate legal validation of this alleged debt. 

1. Insufficient Documentation Your submission consists solely of a Record of Application Information derived from internal system records. This document : Does not constitute a signed contract, either physically or digitally authenticated. 

Lacks proof of lawful assignment, chain of custody, or any enforceable agreement demonstrating my consent to the alleged debt. 

Can not legally establish my obligation under federal law, as required by the FDCPA and FCRA. 


2. Electronic Application via Checkbox Wells Fargo admits that the account was opened through an online checkbox application. A simple checkbox on an electronic form does not meet the legal standards for a binding credit agreement. There is no evidence of : A digitally verifiable signature or authentication. 

My informed consent to the terms in a legally enforceable manner. 

Any acknowledgement of the debt beyond your internal system notation. 


3. Social Security Number Uncertainty Your previous responses confirmed that the account ending in XXXX was reported with an unknown SSN following my dispute. This demonstrates that Wells Fargo can not confirm proper linkage of this account to my legal identity, making any collection efforts or credit reporting legally questionable. 

4. Charge-Off Status Does Not Substitute for Validation Although account XXXX is now marked as charged-off, this does not replace the requirement for legal validation. A charge-off is an internal accounting designation and does not create a legally enforceable obligation in the absence of a signed contract and verifiable consent. 

5. Selective and Inconsistent Reporting Your letter acknowledges that account XXXX is currently not reported to any credit bureau, while account XXXX continues to be reported and subject to potential collection activity. This selective reporting and reliance on incomplete validation raise significant questions about the accuracy and legality of your practices. 

6. Summary of Deficiencies In summary, Wells Fargo has failed to provide : A signed, legally binding credit agreement. 

Proof of lawful assignment or chain of custody. 

Confirmation that the account is legally linked to my Social Security Number. 

Any documentation that meets the standards of validation required under the FDCPA and FCRA. 


Please be advised that this letter, together with your inadequate validation, will be submitted as evidence to the CFPB. Failure to properly validate this debt or correct reporting deficiencies may result in regulatory escalation to the CFPB, FTC, and the New Jersey Division of Consumer Affairs, as well as potential legal remedies. 

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 non-monetary relief