Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am submitting this complaint because Wells Fargo has failed to properly resolve clear credit card fraud and identity theft on my account, has denied my fraud claim despite extensive evidence, and is reporting a fraudulent Wells Fargo Card Services account as a chargeoff to XXXX, causing serious damage to my credit. 


In late XX/XX/XXXX, two fraudulent charges of XXXX each ( total XXXX ) were posted to my Wells Fargo XXXX Visa credit card to XXXXXXXX XXXX on XX/XX/XXXX and XXXX, XXXX. At the time of these transactions, I was traveling abroad and my physical Wells Fargo card was stored securely at my home in XXXX, with no one having access to it, indicating the card information was compromised and used without my authorization. I did not make these purchases, did not authorize anyone else to make them, and did not receive any goods or services from this merchant. 


I promptly reported these charges as fraud to Wells Fargo and filed a XXXX Police Department report ( Report Number XXXX ) documenting that my Wells Fargo credit card was used for two fraudulent XXXX charges while I was out of the country. I also filed an FTC Identity Theft Report ( Report Number XXXX ) documenting that someone used my personal information, along with a different phone number and email ( XXXX and XXXX ), to apply for credit without my authorization. Wells Fargo initially treated the XXXX in charges as fraud and temporarily credited the disputed amounts, as shown in subsequent statements reflecting FRAUD DISPUTED AMOUNT credits and XXXX balance periods. 


However, Wells Fargo later denied my fraud claim and effectively reallocated or rebooked the same XXXX in fraudulent debt onto different Wells Fargo card account numbers ( including an account ending in XXXX and another ending in XXXX ), and then began requiring payment and charging interest, even though I had never authorized the underlying transactions. Throughout XXXX I repeatedly disputed these charges and Wells Fargos denials, including : A XX/XX/XXXX letter to Wells Fargo Card Services formally disputing the XXXX XXXXXXXX XXXX XXXX charges on the account ending in XXXX and requesting immediate removal and confirmation, referencing my police report XXXX. 
An XX/XX/XXXX letter to Wells Fargos Credit Card Dispute Department asking to reopen dispute XXXX on the card ending in XXXX, again clearly stating that I never made the XXXX XXXX purchase, never provided payment details to that merchant, and demanding the XXXX charge and related interest be reversed. 
A XX/XX/XXXX formal dispute letter to Wells Fargos Executive Office ( Case Number XXXX, account ending in XXXX, CFPB Case Number XXXX ) explicitly contesting Wells Fargos denial, restating that the XXXX XXXX  transactions were unauthorized, and enclosing the police report and FTC Identity Theft Report. 
Despite this documentation, Wells Fargo has continued to treat the XXXX in XXXX XXXX charges as valid, has denied my fraud claim, and has allowed this disputed debt to be reported as a chargedoff Wells Fargo Card Services account with a balance of approximately XXXX on my XXXX  credit report. I am not responsible for the Wells Fargo Card Services account that is currently being reported with an XXXX chargeoff, and I have written directly to Wells Fargo Card Services ( fax letter dated XX/XX/XXXX ) stating that the balance is fraudulent, attaching my FTC Identity Theft Report, and requesting investigation and removal from my credit reports. 


My concerns and requested relief are : Wells Fargo has failed to conduct a reasonable investigation of multiple fraud and billing error disputes, despite being provided with a police report, an FTC Identity Theft Report, and clear evidence that the transactions occurred while I was out of the country and without my physical card. 
Wells Fargo initially recognized the transactions as fraud ( reflected by FRAUD DISPUTED AMOUNT credits and XXXX balance periods ) but then reversed that determination, denied my claim, and reshuffled the fraudulent debt to different account numbers instead of permanently removing it. 
Wells Fargo is now furnishing a Wells Fargo Card Services account ( including the account ending in XXXX with a chargeoff balance of XXXX ) to XXXX  as if it were a valid obligation, despite my identity theft documentation and explicit written disputes that I did not authorize the underlying charges. 
This conduct violates Wells Fargos obligations under the Fair Credit Billing Act ( FCBA ) and the FCRA, and is causing ongoing significant harm to my credit, including a reported chargeoff and substantial pastdue balance that are the direct result of fraud. 

I am attaching : XXXX Police Department Incident Report XXXX documenting the fraudulent use of my Wells Fargo credit card. 
FTC Identity Theft Report XXXX detailing fraudulent applications and accounts, including Wells Fargo. 
Wells Fargo credit card statements showing the fraudulent XXXX XXXX charges, the temporary fraud credits, later rebooking, and subsequent interest charges. 
My dispute letters to Wells Fargo ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX fax to Wells Fargo Card Services ) disputing the transactions and the account reporting. 
The XXXX XXXXinsertion letter showing the Wells Fargo Card Services chargeoff now appearing on my XXXX credit file.

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