Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is my second major complaint regarding Wells Fargo. 
My previous CFPB complaint ( case number XXXX, filed in XX/XX/XXXX ) described the same issues I am experiencing now : Wells Fargo restricted my accounts, returned my payments, demanded unsafe communication methods, and then reported me delinquent after refusing to accept on-time payments.

In that first case, Wells Fargo did nothing to resolve the core problem.

They did not restore proper access, did not provide a workable payment method, and did not prevent the same harm from happening again. As a result, the situation has repeated and significantly worsened. 

I am a XXXX citizen temporarily in XXXX because I am the sole caregiver for my mother, who has advanced Parkinsons XXXX and is completely dependent. This stay is not voluntary, and Wells Fargo has known this. I must remain here until her U.S. visa is approved.

Despite my situation, I made all payments on time using my U.S. XXXX XXXX checking account. These payments were legitimate, originated entirely from inside the United States, and were properly scheduled. 

In XXXX and XX/XX/XXXX, Wells Fargo again returned all my on-time payments, including both the personal loan ( ending XXXX ) and credit card ( ending XXXX ). They mailed all returned checks to my U.S. address. After returning these legitimate payments, Wells Fargo reported me delinquent, causing a XXXX drop in my credit score and additional fees ( late payment fees!! ). 

This is the second time they have returned payments and then reported me late the exact same issue from my first CFPB case. 

Wells Fargo then informed me ( in writing ) that my accounts are restricted and that payments are only allowed in person at a Wells Fargo branch. They know I can not appear in person because of my mothers medical condition and my required stay abroad the same situation that existed during my first complaint. 

Wells Fargo continued insisting that I must communicate by phone, even though : Phone calls from XXXX put me, as a U.S. citizen, at personal risk. 

Telecommunications in XXXX are not safe and are monitored. 

My U.S. phone does not reliably connect from XXXX. 

I clearly explained this in my first complaint and again this year. 

They ignored all of this, again. 

I still made several unsafe attempts to call, and their phone agents were unable to solve the issue. 

Because Wells Fargo refused to accept legitimate payments and refused to provide any lawful or realistic method of paying, they caused : -repeated inaccurate credit reporting -multiple returned payments ( I attached the pictures of returned payments-all on time- to my address in the USA ) -a major credit score drop ( first time from CLOSE too XXXX to less than XXXX!! and this time a similar decrease!!! ) -growing financial penalties -emotional distress -worsening consequences despite my full compliance -ongoing harm to me while caring for a critically ill parent abroad XXXX XXXX behavior is now XXXX documented pattern, not a misunderstanding. 
They were already aware of the problem from my first CFPB case, yet they allowed the same harm to occur again. 

I am fully willing to provide any documentation the CFPB or Wells Fargo needs and can send everything electronically. Email is the only safe communication method while I remain in 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