Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am an XXXX XXXX XXXXXXXX XXXX on a XXXX XXXX  and it is extremely stressful trying to deal with a retaliatory action by Wells Fargo. On XX/XX/XXXX my wife XXXX XXXX. I notified the two financial institutions ( Wells Fargo being one of them ) of my XXXX XXXX XXXX. One financial institution advised me that " you are not responsible for your XXXX XXXX XXXX '' and to contact them if I have questions. Wells Fargo insisted that I pay for my XXXX XXXX XXXX XXXX XXXXt. I called on several occasions and they said because we have a home mortgage ( joint ) with them ( " never missed a payment '' ) and a checking account ( joint ) with them, I am still responsible for the individual credit card debt. I told the representative send me the original application for the credit card. If my name is on the application I will assume the debt and pay the amount. After several phone calls I sent the below to Wells Fargo. 
From : XXXX XXXX XXXX To : Wells Fargo Re : Credit Card Account Ending in XXXX To Whom This May Concern, I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
Please forward to me a copy of the original signed application for the credit card ending in XXXX. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware. 
Furthermore, I am aware of the request for payment by Wells Fargo and I request that you cease and desist any future telephone communication, through my residential or other numbers. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX XXXX On XX/XX/XXXX I received a response from Wells Fargo that they had " received my request '' and it is being " processed '' and the material would be " mailed to the address on file ''. I have not received any materials from Wells Fargo. 

On XX/XX/XXXX I had to get my home air conditioning system replaced. The company was offering financing for the $ XXXX cost. Sitting at my dining room table the A/C representative input my information to XXXX for financing to my horror it was " declined because of an individual credit card collection ''. I immediately went to XXXX and saw that a " WFBNA card : Responsibility Individual : Status {$5000.00} Past Due Charged off XX/XX/XXXX. Remain on File until XX/XX/XXXX ''. ( XXXX does not have this " past due '' from WFBNA and when the A/C company looked at XXXX theXXXX XXXX because of " Significant difference in the XXXX scores '' : between XXXX and XXXX! 

I know Wells Fargo is no stranger to dubious customer practices and I believe this was in retaliation by Well Fargo. 
Please. People my age - our credit is precious to us. Even through mountainous health care costs we proudly went through it all. Depleting savings and all, but we paid our bills. 
I am XXXX XXXX XXXX I beseech you to act and have this illegal and retaliatory collection from my credit bureau. 
Respectfully submitted : 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