Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX senior whose sole income is protected XXXX. I am filing this complaint against Wells Fargo regarding my Personal Credit Card ( XXXX ) and the subsequent {$8100.00} judgment ( Case # XXXX ). The bank and its legal agents engaged in predatory lending, bad faith mediation, severe FDCPA violations, and caused documented medical harm by weaponizing local police. 1. PREDATORY LENDING AFTER A CEASE & DESIST ( XXXX ) : I issued a verbal Cease and Desist on XX/XX/XXXX ( formally acknowledged in a bank letter dated XX/XX/XXXX ). Despite having this C & D on file and knowing my vulnerable XXXX state, Wells Fargo proactively raised my credit limit from {$4000.00} to {$6000.00} without my request. They allowed the balance to balloon over {$7300.00}, charging me {$170.00} in interest and over-limit fees in a single month ( XX/XX/XXXX ). They maliciously extended credit to a XXXX, judgment-proof senior. 2. ARMED POLICE INTIMIDATION & SKIP-TRACING ( XX/XX/XXXX ) : Rather than respecting federal law, the bank attempted to " prove me wrong '' regarding my homelessness. In early XX/XX/XXXX, just before serving a lawsuit summons, Wells Fargo utilized the XXXX Police Department to conduct multiple deceptive " welfare checks '' to investigate my living situation and pinpoint my RV. During one visit, armed officers confronted my brother-in-law with hands on their weapons. I personally went to the police department to report this grave misuse of their officers. Wells Fargo used local police as private investigators to terrorize my family over a civil debt. 3. ACTUAL MEDICAL DAMAGES ( XX/XX/XXXX ) : Once Wells Fargo successfully used the police to uncover my exact location, they sent an agent to serve me a lawsuit summons on XX/XX/XXXX, at XXXX XXXX The extreme terror of this targeted campaign caused immediate physical harm. Timestamped photos of my blood pressure monitor prove that just two hours after service ( XXXX XXXX ), my blood pressure spiked to life-threatening levels. This acute medical crisis continued for days and was later diagnosed as a series of XXXX XXXX XXXX XXXX XXXX XXXX 4. BAD FAITH MEDIATION & ACCELERATED JUDGMENT ( Mid-Late XXXX ) : My XXXX was officially approved on XX/XX/XXXX, making me legally judgment-proof. In a good faith attempt to resolve this, I submitted a formal Mediation Proposal on XX/XX/XXXX. Wells Fargo completely ignored my proposal. Instead, they deflected my claims and rushed to quietly record an Abstract of Judgment on XX/XX/XXXX. 5. ONGOING HARASSMENT, IMPERSONATION & POLICE CALLS ( XXXX ) : Even after obtaining the noncollectable judgment, the severe federal violations continued. On or around XX/XX/XXXX, I received a masked phone call where a representative from Wells Fargo 's legal agent ( XXXX XXXX XXXXXXXX XXXX XXXX ) deliberately impersonated a county official to intimidate mea severe FDCPA violation ( 15 U.S.C. 1692e ( 1 ) ). Shortly after this illegal impersonation, on XX/XX/XXXX, I received a call from an actual XXXX Police officer ( XXXX XXXX, whose identity I verified with the department ), proving Wells Fargo is STILL involving local law enforcement to harass a XXXX senior. 6. FAILURE TO FOLLOW INDUSTRY STANDARDS : I informed XXXX XXXX XXXXXXXX and others of my exact same medical and financial hardship. Every other institution followed federal guidelines, accommodated my XXXX, and charged off the debts. Wells Fargo is the sole outlier, choosing to risk my life and my family 's safety.

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