Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Full Social Security Number : XXXX REMOVE ALL THAT DO NOT BELONG TO ME I REPEAT IDENTITY IS STOLEN!!!! FRAUDULENT ACTIVITY OCCURRED!!!! 


Subject : Urgent Complaint Regarding Fraudulent Activity and Denied Applications Dear Sir/Madam, I am writing to formally lodge a complaint regarding multiple rejections of my applications for banking services with your institution, including Wells Fargo XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The reason for my continued denial stems from fraudulent activity that occurred in XXXX  which has affected my ability to open accounts despite my best efforts to resolve the situation. 

My name is XXXX XXXX XXXX, and I am the victim of identity theft that has caused significant harm and distress. Since XXXX criminals have fraudulently used my identity without my consent, opening accounts and committing financial crimes in my name. These fraudulent actions have severely damaged my banking history and have led to continuous rejections of my applications for basic services like checking and savings accounts. 

I have reported the fraud to the Federal Trade Commission ( FTC ) and filed a Fraud Alert with the Consumer Financial Protection Bureau ( CFPB ), but despite my efforts to clear my name, I continue to face unjust denials from multiple banks. I am frustrated and appalled that your institution is holding me accountable for fraudulent actions that I had no part in, and it is unacceptable that this situation has continued for so long without resolution. 

Fraudulent XXXX XXXX : In XXXX, I became aware that my identity was stolen, and fraudulent accounts were opened in my name without my consent. 
Despite my continuous efforts to address and rectify this, these fraudulent accounts and activity continue to appear on my reports, damaging my ability to access financial services. 
This fraudulent activity has been verified by the FTC, and I have filed a formal Identity Theft Report, but ba

nks like yours continue to use this fraudulent information to block my ability to open legitimate accounts. Immediate Actions Requested : 1. Immediate Review of Denial : I demand that you immediately review the denial of my application. The fraudulent activity associated with my identity theft is the sole reason for these
rejections, and it is unjust that I am being penalized for crimes I did not commit.

2. Clear Explanation of Denial : Provide a detailed explanation of why my application was denied and the specific fraud-related issues that are being used against me. I want to know how the fraudulent activity has impacted my application and what steps you are taking to correct it.

3. Remove Fraudulent Data : Take immediate action to ensure that any fraudulent accounts and information tied to my identity are removed from your records and are not used to deny me access to banking services.

4. Compliance with Legal Standards : I expect your institution to adhere to all legal standards, including those outlined by the FTC, CFPB, and other regulatory bodies, regarding identity theft, fraud protection, and customer service. The Fair Credit Reporting Act ( FCRA ) and other consumer protection laws must be followed to ensure that this matter is handled appropriately.

5. Immediate Correction : If any incorrect or misleading information regarding my identity theft has been used to deny my applications, I demand that it be corrected immediately.

Supporting Documentation : I have filed an FTC Identity Theft Report that can be provided upon request, detailing the fraudulent activity in my name. 
I have obtained and can share my XXXX and XXXX XXXX XXXX reports, which contain fraudulent data that has led to these repeated denials. 
I am also providing documentation of the fraudulent accounts opened in my name, as well as a XXXX XXXX that has been placed on my credit files. 

Urgency of this XXXX : This issue has been ongoing for over XXXX years, and the continued denial of my account applications is unjust. XXXX is a crime, and I should not be held accountable for the actions of criminals who have stolen my identity. It is extremely frustrating that I am still being penalized due to fraud that occurred through no fault of my own. The fact that this has continued for this long, despite my efforts to clear my name, is unacceptable. 

I respectfully demand that your institution take immediate action to resolve this matter. I expect timely responses and actions within 30 days. If this issue is not addressed promptly, I will take further steps to escalate the matter, including filing additional complaints with the CFPB, FTC, and pursuing legal action if necessary. 

Thank you for your attention to this urgent matter. I look forward to your prompt and positive resolution. 

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 non-monetary relief