Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I recently received a copy of my XXXX consumer FICO report and noticed a active fraudulent, inaccurate, WELLS FARGO CARD SERV account opened on XX/XX/year> under the account number XXXX reporting as OPENED in my consumer FICO credit file. I have noticed WELLS FARGO CARD SERV NOTICE and as they appear to think i owe them money, i am happy to pay, but first i need some verification before payment is made. First, there is a need to verify the debt, so please send me a bill with a human signature on it. Also, i need to see the lawful, two-party contract supporting the bill with the wet ink signatures of both parties, Yes I'm requesting validation of the debt which includes the copy of all accounting records pertaining to this account, Verification of WELLS FARGO CARD SERV claim against me which is a signed Invoice with my wet ink signature you alleged i have signed and the wet ink signature of WELLS FARGO CARD SERV, I demand a copy of the legal Contract binding both parties which is allegedly me and WELLS FARGO CARD SERV in a letter by " certified mail ' so that there is an independent witness to it having been hand delivered, this legal Contract needs to include the wet ink signature. I demand to see the Full Disclosure because i was not told that i was actually creating the CREDIT with my wet ink signature. There was no Equal Consideration because WELLS FARGO CARD SERV brought nothing of value to the table and so had nothing to lose. Lawful Terms and Conditions because mine was based on FRAUD. The wet ink signature of both parties must be signed on a legal binding contract from my understanding of the law WELLS FARGO CARD SERV corporation cant sign with a wet ink signature because they have no Right or Mind to contract since WELLS FARGO CARD SERV are soul-less legal fiction ( WELLS FARGO CARD SERV ) and furthermore, no third party can sign a contract on their behalf. I demand you send me documents of who signed this legal binding Contract with their wet ink signature, because it wasn't me. I'm not requesting a STATEMENT, let me remind you a Statement is not an INVOICE, please provide a signed ' Invoice ' as requested. Please do not send me a Loan or Credit Card application, a Loan or Credit card application does not constitute a Contract as it is only signed by one of the parties ( him/her self ), i demand a copy of the Contract signed by both parties. I'm requesting all signed documents, contracts, invoices with the wet ink signatures of both parties be sent to me within the next 14 days and if this does not happen, then i will consider the debt fully discharged and if you refuse to either supply a bill with a human signature on it and the lawful, two-party contract supporting the bill with the wet ink signatures of both parties,, then stop bothering me and delete this from my consumer FICO report.

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