Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX, AZ Re : XXXX XXXX XXXX XXXX for XXXX XXXX Wells Fargo Bank , N.A . Account Ending XXXX Systemic Violations of the XXXX, FCRA, and UDAP/UDAAP To Whom It May Concern : I am submitting this complaint to the Arizona Attorney General, the Consumer Financial Protection Bureau XXXX XXXX Federal Trade Commission XXXX and any other regulatory body with jurisdiction over Wells Fargo Bank , N.A . I am requesting immediate investigation and enforcement action regarding XXXX XXXX unlawful handling of my credit card account ending in XXXX, including : - Failure to honor XXXX XXXX rights - Illegal collection activity during an active dispute window - Improper late fees and overlimit fees - Unlawful credit reporting during periods where reporting was prohibited - Charging off the account while simultaneously assessing interest and fees - Providing contradictory disclosures and addresses that obstruct consumer rights XXXX. Wells Fargo obstructed my XXXX XXXX rights XXXX XXXX own disclosures state : XXXX If you believe your bill is wrong we must hear from you within 60 days In order to keep your billing rights, you must write to us While you can call us doing so will not preserve your billing rights. They also require disputes to be mailed to : XXXX Wells Fargo Bank, XXXX, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX Yet in other sections of the same statements, Wells Fargo lists different dispute addresses, including : XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX > P.O. Box XXXX, XXXX, MN XXXX This contradictory information materially interferes with a consumers ability to exercise FCBA rights and constitutes unfair and deceptive practices. -- - XXXX. Wells Fargo illegally continued collection activity during the dispute window XXXX XXXX own disclosures state : XXXX We also can not report you as late or take any action to collect your suspected error amount during our investigation. Despite this, Wells Fargo : - Assessed repeated late fees ( {$40.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Continued to add interest charges ( {$83.00}, {$86.00}, {$83.00}, {$92.00} ) - Reported the account as past due and in default - Issued acceleration notices threatening immediate full balance due These actions violate XXXX XXXX. XXXX ( c ) and Regulation Z XXXX ( d ). -- - XXXX. Wells Fargo charged overlimit fees while the account was frozen in dispute Your statements show : - Overlimit amounts of {$260.00}, {$380.00}, {$510.00} Yet no new purchases occurred. The balance increased only because Wells Fargo kept adding interest and fees, which is prohibited during a dispute investigation. -- - XXXX. Wells Fargo charged off the account while still adding finance charges On XX/XX/XXXX, Wells Fargo charged off the account : XXXX CHARGE OFF ACCOUNT PRINCIPALS ( {$3100.00} ) > CHARGE OFF ACCOUNT FINANCE CHARGES ( {$850.00} ) A chargeoff is supposed to stop interest and fee accrual, yet Wells Fargo continued adding interest up to the chargeoff date, which is a deceptive and abusive practice. -- - XXXX. XXXX XXXX disclosures contradict their actions Their statements repeatedly claim : > We may not report you as late during our investigation. Yet they : - Reported the account as late - Added late fees - Added overlimit fees - Added interest - Accelerated the account - Charged it off All while the account was in dispute. This is a textbook UDAAP violation under 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