Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Chief Executive Officer & President Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Senior EVP & General Counsel Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Complaints Management Office XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : FORMAL DEMAND FOR FULL REFUND AND REVERSAL OF RETALIATORY ADVERSE ACTION Account : Wells Fargo XXXX XXXX ( Ending in XXXX ) Disputed Amount : {$1000.00} ( as of XX/XX/XXXX, plus all subsequent interest ) Related CFPB Cases : XXXX, XXXX, et al. 
Related OCC Complaint : ( Enter your OCC Complaint Number ) To Whom It May Concern : This letter is a formal demand for the full and unconditional refund of all interest charges illegally applied to my account and the immediate reversal of the retaliatory adverse action taken against me on XX/XX/XXXX. 

I have provided irrefutable, third-party evidence that my XXXX XXXX statements from XXXX and XX/XX/XXXX were materially inaccurate, which directly led to the fraudulent interest charges. In response, Wells Fargo has : Falsified evidence in a formal letter to me ( dated XX/XX/XXXX ) to justify its errors.

Taken retaliatory adverse action by closing my account ( dated XX/XX/XXXX ) immediately after I filed good-faith complaints with federal regulators.

This is my final communication to Wells Fargo before pursuing all available remedies, including private legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

1. Wells Fargo 's Systemic Failure and Falsification of Evidence Your entire
defense, as stated in your XX/XX/XXXX letter, rests on the claim that my returned payments occurred after the statement cycle closing dates. This is a demonstrable falsehood. 

My XXXX  XXXX XXXX ( XXXX ) statements provide the indisputable, factual timeline. 

The XX/XX/XXXX Discrepancy : Wells Fargo 's Fabricated Date ( XX/XX/XXXX Letter ) : Payment returned on XX/XX/XXXX. 

The Factual Truth ( per XXXX Statement ) : Payment was returned on XX/XX/XXXX. 

Conclusion : Your statement from XX/XX/XXXX, which reported this failed payment as " successful, '' was inaccurate on the day it was printed. 

The XX/XX/XXXX Discrepancy : Wells Fargo 's Fabricated Dates ( XX/XX/XXXX Letter ) : Payments returned on XX/XX/XXXX and XX/XX/XXXX. 

The Factual Truth ( per XXXX Statement ) : Payments were returned on XX/XX/XXXX and XX/XX/XXXX. 

Conclusion : Your statement from XX/XX/XXXX, which reported these failed payments as " successful, '' was also inaccurate on the day it was printed. 

Your " research, '' which found " no evidence of fabricating ... or false returned payment dates, '' is a lie. My third-party XXXX statements are irrefutable. You built your entire defense on a foundation of falsified evidence to avoid refunding interest charges that were a direct result of your systemic error.

2. Rebuttal of All Wells Fargo Claims I categorically reject every claim made in your correspondence.

Wells Fargo Claim : " The statements... are currently reflecting your account accurately. '' REBUTTAL : False. The statements reflect a balance that is fraudulently inflated by {$1000.00} in interest. This interest only exists because your inaccurate XXXX and XXXX statements misled me.

Wells Fargo Claim : " The interest charges were applied correctly. '' REBUTTAL : False. The interest was applied to a balance that was artificially created by your system 's failure to report returned payments in a timely manner. The interest is the direct, undisputed fruit of your error.

Wells Fargo Claim : " We have addressed your concerns in full... We will not be responding to any further correspondence. '' REBUTTAL : You have not addressed the core fact that your timeline is false. Refusing to respond to irrefutable evidence is not a defense ; it is an admission of guilt.

3. Illegal Retaliatory Adverse Action ( ECOA Violation ) On XX/XX/XXXX, after I submitted my evidence-backed complaints to the CFPB, OCC, XXXX, and other regulators, I received a letter from your office stating, " as a business decision, we have closed your credit card account. '' This is a clear and punitive adverse action. This action, taken in direct response to my good-faith exercise of my rights under the Consumer Credit Protection Act ( including the FCRA and TILA ), is a prima facie violation of the Equal Credit Opportunity Act ( ECOA ) ( Regulation B, 12 C.F.R. 1002.4 ( a ) ), which prohibits creditor retaliation.

You have escalated this from a billing dispute to a serious federal civil rights matter. You are bullying me for exposing your systemic failures and deceptive practices.

FORMAL DEMAND FOR RESOLUTION I demand you take the following actions within ten ( 10 ) business days : Full and Unconditional Refund : A full refund of all interest and fees applied to my account since XX/XX/XXXX. This totaled {$1000.00} as of the XX/XX/XXXX statement and includes any subsequent charges.

Reversal of Adverse Action : Immediately reverse the retaliatory closure of my account, reinstate it in good standing, and confirm all rewards are intact.

Correct All Credit Reports : Issue a formal directive to all four credit bureaus ( XXXX, XXXX, XXXX, XXXX ) to : a. Correct the false payment history for XXXX, XXXX, and all subsequent months.

b. Delete the " Closed by Creditor '' notation.

c. Delete any and all negative marks associated with this tradeline.

Written Confirmation : Provide me with a written letter confirming all the above actions have been completed.

Failure to comply in full will leave me no choice but to pursue all available remedies, including but not limited to private legal action seeking actual and punitive damages for your violations of the FCRA and ECOA.

This matter is now fully documented and has the attention of your primary federal regulators. I expect your immediate and final compliance.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Board of Governors of the Federal Reserve System New Jersey Office of the Attorney General , Division of Consumer Affairs U.S. Senator XXXX XXXX U.S. Representative XXXX XXXX XXXX U.S. Representative XXXX XXXX U.S. Department of Justice, Civil Rights Division

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