Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank N.A. filed a lawsuit against me alleging that I owe them a debt, However, they never showed me proof that I owe them the debt. In fact the last statement I received from them shows a balance of XXXX. Wells Fargo Bank N.A. improperly served me by sticking paperwork in my door handle when I was out of town for the holidays. When I filed my answer I stated that I was improperly served, and Wells Fargo Bank N.A. committed perjury. Wells Fargo Bank N.A. submitted a document to the court and signed under penalty of perjury claiming that they served me personally at a time when I was not home. They described characteristics of my appearance that were not true. I have multiple exhibits of proof to show that I was not home and I was away traveling at the time. I was deprived of a fair notice as a result of Wells Fargo Bank N.A. 's improper service. I was shocked at this because I was never ever actually served. Once I filed a response, it seems that Wells Fargo Bank N.A. or whoever is acting on the part of Wells Fargo Bank N.A. used the information on the date that I returned, to file a fraudulent proof of service to the court. I attempted to reach out to Wells Fargo Bank N.A. by sending a letter through certified mail requesting information on a complete chain of title and assignment history, disputing my owing Wells Fargo Bank N.A. {$11000.00} as they alledged I owe. This is reflected in the attached Wells Fargo Bank Statement, which reflects a XXXX balance. I was never sent the information that I requested from them in the attached letter, instead I was told by them to " admit to this debt without objection '' ( literally those were their words ). Yet they have not proven any enforceable ownership and admissible accounting evidence. I felt coerced to give up my rights as a consumer by being asked to admit to something without any objection. Under the XXXX act, stating that I was served when I was not served, constitutes deceptive practices, false representation, unlawful litigation tactics, and unfair collection conduct. Wells Fargo Bank N.A. claims in their own words " The Laws of some states require us to inform you that this communication is an attempt to collect a debt and that any information obtained will be used for that purpose ''. by stating this, they have also assumed the role of a debt collector which means they are also subject to the Fair Debt Collection Practices Act, which they have also violated. I am planning to counter claim against Wells Fargo Bank for all of these violations. Ever since I got this news It has raised my anxiety day by day. As a student it has affected my focus and ability to study in school because I feel myself stressing over this daily. I have lost so much income from having to miss work due to this case ruminating in my mind. My physical health has also suffered, I have not been able to sleep through the night. I went to the doctor and found out that my XXXX XXXX is high now, and my body has been responding to this ridiculous situation through increased stress, sickness and XXXX. In my Claims against Wells Fargo Bank N.A. I will request the following in discovery : Accurate balance computation, full chain of custody of title, date that any insurance claim was filed as a result of any alleged debt in my name, and the date any tax benefit was taken for any alleged debt in my name, the contractual basis, and admissible business records. I will seek equitable relief, statutory damages and actual damages.

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