Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Wells Fargo regarding serious account mismanagement, billing discrepancies, improper collection practices, and resulting credit report damage. Summary of Issues My account was linked to a rent credit card issued in partnership with XXXX, which was scheduled to end on XX/XX/year>. However, Wells Fargo prematurely deactivated my card without prior notice. As a result, my XX/XX/year> rent payment failed, causing a late fee of {$28.00}. In XX/XX/year>, I contacted Wells Fargo to close my account and was informed via phone that my outstanding balance was approximately {$340.00}. I have recorded proof of this conversation. After this point, I did not receive any billing statements, email notifications, or written communication regarding additional balances. In XX/XX/year>, I was unexpectedly informed of a remaining balance due to an alleged system-related payment failure. This was the first time I was made aware of any issue. Without prior notice, Wells Fargo referred the account to a collection agency, which negatively impacted my credit report. I then contacted Wells Fargo customer service three times. During each recorded call, I was instructed that a payment of {$460.00} would fully settle the account. On XX/XX/year>, I paid {$460.00} as instructed On XX/XX/year>, I was again informed that a remaining balance still exists This directly contradicts the information provided by Wells Fargo representatives. Credit Damage As a direct result of these actions, my credit score was reduced by approximately XXXX points, causing significant financial and personal impact. Key Issues Premature card deactivation without notice Failure to provide billing statements or written notices Misrepresentation of payoff amount ( {$340.00} {$460.00} ) Improper referral to collections without proper notification Continued assertion of a balance after full payment Significant credit score damage ( XXXX points ) Requested Resolution I respectfully request the following actions : Immediate correction of my credit report and restoration of my credit score impact related to this account Removal of all negative reporting from credit bureaus Confirmation that my account is fully paid and permanently closed Refund of {$110.00} overpayment Reimbursement of {$28.00} rent late fee Removal of the account from any collection agency A written explanation of the discrepancies and account handling failures Assurance that no further collection or reporting activity will occur I have retained call recordings, payment confirmation, and supporting documentation, and I am prepared to provide them upon request. I request a prompt investigation and resolution of this matter.

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 monetary relief