Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Identity Theft Reconsideration Statement Date : XX/XX/XXXX To : Wells Fargo Credit Card Fraud Claims ATTN : Reconsiderations XXXX XXXX XXXX XXXX, NC XXXX Fax : XXXX Re : Reconsideration Request Identity Theft Account ending in : XXXX Consumer : XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX XXXX SSN : XXXX XXXX XXXXXXXX Statement of Reconsideration I am submitting this letter as a formal written statement for reconsideration regarding the identity theft determination for the Wells Fargo credit card account ending in XXXX, as requested. 

I want to clearly and accurately state the following : 1. I did not apply for, authorize, or knowingly open the Wells Fargo credit card account ending in XXXX. 
2. I did not sign any application, whether by direct mail or otherwise, for this account.

3. I did not knowingly use or benefit from this account.

4. Any payments made on this account were not made by me, and I do not recognize the individual ( s ) who made payments or managed this account. 
5. The presence of account activity or a XXXX balance does not indicate authorization by me and does not negate identity theft. 



Clarification of Authorized vs. Unauthorized Accounts I understand Wells Fargo has determined that certain other accounts were authorized by me. I am not disputing accounts that have been verified as mine. 

However, I am specifically disputing only the following as identity theft : Credit card account ending in XXXX This distinction is important. My request is limited, specific, and factual. 



Name Variations and Identity Concerns My legal name is XXXX XXXX XXXX. 
Over the years, my name has appeared in records with variations ( including abbreviated or altered versions ). I am concerned that a name variation or abbreviation may have been used improperly in connection with the unauthorized account. 

I am requesting that Wells Fargo ensure : My full legal identity is accurately reflected No abbreviated or incorrect name variants remain associated with accounts I did not open Supporting Documentation I have provided documentation to verify my identity, including : Government-issued identification Social Security documentation Proof of address history Additional supporting records as requested I am willing to provide any further documentation necessary to assist with a fair and complete review. 



Request I respectfully request : 1. A full reconsideration of the identity theft claim for account ending in XXXX 2. Removal of any association between this account and my credit profile 3. Written confirmation of the final determination I appreciate your time and attention to this matter. I am cooperating fully and in good faith to ensure accuracy and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : 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