Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Response to Wells Fargo Case No. XXXX CFPB XXXX XXXX. XXXX Account ending in : XXXX To Whom It May Concern, This letter serves as my formal response to Wells Fargos XX/XX/XXXX communication concerning my previous disputes regarding late payment notations and the charge-off status reported on my credit file. 

While I acknowledge receipt of their explanation, I respectfully disagree with the continued reporting and request that this matter be re-investigated under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ).

1. Pattern of Returned Payments The explanation cites multiple returned payments between XXXX and XXXX. I request further investigation into : Why these payments were returned. 

Whether adequate notice was given. 

Whether the bank took proper steps to inform me of the return before reporting delinquency. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information. If the returned payments were due to bank errors, transaction issues, or system glitches, those late marks may not be valid.

2. Electronic Delivery of Statements Wells Fargo claims I received monthly billing statements electronically. However, per 15 U.S.C. 7001 ( c ) under the E-SIGN Act, consent must be affirmative and verifiable. If I never formally opted in, or did not receive those notices due to technical or communication failures, I was not adequately informed of my due dates. 

I request Wells Fargo provide : A record of my affirmative consent to receive statements electronically. 

Server delivery logs or other proof that these emails were successfully delivered, not bounced or spam filtered. 

XXXX. Charge-Off Status While Wells Fargo confirms the account was charged off, they also assert continued collection activity. I request a complete breakdown of how the final balance of {$870.00} was calculated, especially since the account was subject to interest and fee suspension. 

If any part of this balance includes : Unauthorized fees or charges after charge-off, or Interest accrued post-delinquency in violation of their own stated policy, then the total balance may be inaccurate, triggering a violation of FCRA 1681s-2 ( b ).

4. Good Faith Resolution Request I am not disputing that payments were missed but am requesting Wells Fargo take into account : My good faith effort to repay this account over time.

Financial hardship, which may have contributed to the missed payments. 

The disproportionate damage these late marks and charge-off have caused to my credit profile, especially for relatively low balances. 

As a courtesy and in the spirit of consumer resolution, I am requesting Wells Fargo : Remove or adjust the late payment history as a one-time goodwill gesture. 

Provide clear documentation supporting the validity of every reported late mark, especially those involving returned payments. 

5. Next Steps I am formally requesting this matter be reopened for further investigation. If the current information being furnished is not 100 % accurate, complete, and verifiable, it must be corrected or removed, per the FCRA.

If no action is taken, I will pursue additional remedies under federal law, including submitting further evidence and complaint escalation to the CFPB and other regulators.

Thank you for your time and attention to this matter. Please confirm receipt of this rebuttal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : 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