Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Debt Validation Request Letter ( Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Wells Fargo Bank , N.A . 
Attn : XXXX XXXX Department / XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX Subject : Request for Validation of Debt Account No. XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt associated with the above-referenced account, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Please provide the following documentation to verify this debt : 1. Verification that I am the individual legally obligated to pay this debt ; 2. The name and address of the original creditor ; 3. A complete itemized statement of the alleged balance, including interest, fees, and other charges ; 4. A copy of any original signed agreement or contract creating this obligation ; and 5. Proof that Wells Fargo ( or its assigned agent ) has the legal right to collect this debt.

Until this validation is provided, I request that all collection activity, including reporting to credit bureaus and any form of contact, cease immediately. 

If this account has been sold or transferred to another party, please identify that entity and forward this request accordingly. 

Failure to provide the requested validation within the time required by law will be considered a violation of federal collection statutes. If such occurs, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office for enforcement. 

Please communicate with me only in writing at the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX To Whom It May Concern, I am writing regarding a billing dispute I submitted to your company on XX/XX/year>, concerning an error on my credit card account. 



Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), a creditor is required to acknowledge receipt of a billing dispute within 30 days of receiving written notice and to complete an investigation within two billing cycles, not to exceed 90 days. 



As of XX/XX/year>, a total of 58 days had elapsed from the date my dispute was submitted, and I had not received a timely acknowledgment or resolution. This delay exceeds the statutory 30-day acknowledgment requirement and constitutes a violation of the Fair Credit Billing Act. 



Please be advised that during a valid dispute investigation period, I am not required to pay the disputed amount, nor may adverse action, interest, fees, or negative credit reporting be applied.

I am requesting the following actions be taken immediately : Written confirmation acknowledging receipt of my dispute Immediate completion of the investigation Removal of any interest, fees, or penalties associated with the disputed amount Correction of any negative credit reporting related to this matter Failure to resolve this matter promptly may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the State Attorney Generals Office. 



Please respond in writing within 10 business days of receipt of this notice. 



Sincerely, 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