Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
In XXXX, I was in a SNF. I was XXXX and went to Wells Fargo in person on XXXX XXXX XXXX with my father regarding the false charges of over $ XXXX on my credit report. At first, the manager wasnt helpful. When I said I never opened a Wells Fargo online account with them, she said I had. When I asked the email associated with the account, it could not be located. At that point, I was taken seriously. She contacted officials at Wells Fargo about the fraud. I then received phone calls from The Executive Office from Wells Fargo, yet this was never taken off my credit report. I have enormous damages as a result. I have paid more for insurance and been rejected for credit cards, there is still considerably false information on all Credit Bureaus that Im disputing. Wells Fargo is now assessing me for income on my XXXX tax return because they can no longer place it on my credit report as it has aged out. They are calling it now loan forgiveness. All of this was disputed with Wells Fargo over the past years, I believe, from XXXX. I continued to call the XXXX number at Wells Fargo, disputing this. At one point, they stated in XXXX that this was a new dispute, which it was NOT! My father, who assisted me at the branch in XXXX when I was D/Cd from the SNF is an XXXX XXXX XXXX from the XXXXXXXX XXXX XXXX XXXX This was 100 % fraud. My identity was stolen so I began freezing my credit. At the time, prior to the fraud, my credit score was almost XXXX. I had successfully paid off XXXX car loans- one from Wells Fargo! And had successfully paid off a lease from XXXX XXXX XXXX. On the credit card in question, my limit had been {$10000.00} because my credit was so good. Wells Fargo ruined my credit for the past 7 years, refusing to remove the fraudulent account from my name, and holding me accountable. The financial cost to me because of this has been enormous. I was not even able to move to another bank because of the fraudulent credit card debt. I had my account at Wells Fargo since XX/XX/XXXX. They have permanently destroyed my credit which I am STILL having to dispute. The FTC referred me to an attorney but in the past couple of years I have had so many health problems, I have been unable to follow through on that. I would like to now but forgot how. Wells Fargo never helped me and worse, continued to make false statements regarding the account. The majority of that $ XXXX amount had started with a false charge of {$1200.00}. Then it was found that there had been made up companies that did not even exist such as a recurring charge from a cell phone and wireless carrier that didnt exist. Wells Fargo had admitted that those companies didnt exist on the phone to me back when this all started, I believe, in XXXX or so. Then, the rest of the additional charges on the credit card were late fees and interest, bringing the total when the account was sent to the credit bureaus as a closed account seven years ago, the total from the false $ XXXX amount had ballooned to over $ XXXX! Today I just found that it is still being reported on my XXXX report. PLEASE do something. And PLEASE help me recover my losses and damages from this bank, who the FTC said on the phone to me, that they cant even keep up with the amount of reports like mine about this bank stealing and ruining peoples credit and lives.

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 non-monetary relief