Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXWells FargoXXXX XXXX XXXX XXXXXXXX XXXX SD XXXX Subject : Formal Rebuttal and Demand for Immediate Resolution Case Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/XXXX, concerning the fraudulent accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. While I acknowledge your investigation, I find your conclusions wholly unacceptable and unsupported by the evidence I have provided. As a victim of identity theft, I demand that Wells Fargo immediately rectify this matter by closing these accounts, absolving me of any liability, and ensuring no adverse impact on my credit or financial standing. The evidence I present below unequivocally demonstrates my non-involvement in these accounts and transactions, and I expect a prompt resolution without further delay. 
XXXX XXXX XXXX XXXX a Widespread Fraudulent XXXX  have obtained and reviewed a detailed statement of the accounts in question, which reveals that all XXXX payments were made to unrelated individuals across various area codes. I have no connection to any of these recipients, and none of the payments were directed to my family members or known associates. This pattern clearly indicates a broader fraudulent scheme orchestrated by the perpetrator who opened these accounts, with the intent to defraud users via XXXX. Wells Fargos failure to recognize this as evidence of my non-involvement is unacceptable and requires immediate reconsideration. 
XXXX Fraudulent Loan Account Confirmation InYour letter references a loan payment associated with XXXX of the accounts. I have confirmed with the loan company that this account was fraudulently opened in my name without my knowledge or consent. I possess documentation from the company verifying this fraud, which I am prepared to provide upon request. This further substantiates my claim of identity theft, and I expect Wells Fargo to acknowledge this evidence and act accordingly. 
XXXX In-Branch Transactions Can not Be Attributed to Me inYour investigation notes in-branch transactions but admits that these can not be verified due to the absence of surveillance camera footage identifying the perpetrator. It is entirely unjust to hold me accountable for transactions that can not be substantiated. This lack of evidence should compel Wells Fargo to further investigate the true perpetrator rather than attributing these actions to me, a confirmed victim of identity theft. 
XXXX XXXX XXXX XXXX and Identity Theft Verification\nI have submitted documentation from XXXX  confirming that I was a victim of their XXXX data breach, which directly resulted in the theft of my identity. Furthermore, XXXX issued a formal letter stating that I am not responsible for accounts linked to the phone numbers XXXX and XXXX, which were used in the fraudulent Wells Fargo account applications. These phone numbers were independently investigated by the FCC at my request and confirmed to be fraudulent. Following a three-month investigation, XXXX determined that I am not liable for an account with a {$19000.00} balance tied to these numbers. I strongly urge Wells Fargo to verify this with XXXX immediately to confirm my non-liability and cease attributing these accounts to me. 
XXXX Police Report and Arrest of a Suspect\nI have provided a police report from the XXXX XXXX XXXX XXXX XXXX ) XXXX Police Station , delivered to me via certified mail, which confirms that a suspect has been arrested and charged in connection with this crime. This irrefutable evidence validates my status as a victim of identity theft and directly contradicts any implication of my involvement in these accounts. Wells Fargos failure to acknowledge this critical piece of evidence is deeply concerning and must be addressed without further delay. 
The evidence I have presentedincluding the XXXX transaction patterns, the fraudulent loan account documentation, the lack of in-branch verification, XXXX confirmation of my identity theft, the FCCs findings on the fraudulent phone numbers, and the police report with an arrested suspectleaves no room for doubt : I am not responsible for these accounts, nor did I authorize or benefit from any associated transactions. XXXX XXXX continued attribution of these accounts to me is unjust, and I demand immediate action to resolve this matter. 
I insist that Wells Fargo take the following actions effective immediately : Close all accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Absolve me of any liability associated with these accounts. 
Ensure that this matter does not negatively impact my credit or financial standing. 
I am prepared to provide additional documentation, including the XXXX letter, FCC findings XXXX and loan company confirmation, should Wells Fargo require further evidence to expedite this resolution. However, given the overwhelming evidence already provided, I expect this matter to be resolved without further delay. Failure to act promptly will leave me no choice but to escalate this matter through legal channels and regulatory authorities I await your immediate response and confirmation of the actions taken to resolve this issue. You may contact me at XXXX if further clarification or documentation is required. 
Sincerely, XXXX 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