Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I noticed inquires on my Credit bureaus that I did not do. I noticed there was a credit card opened in XX/XX/XXXX with XXXX XXXX, an inquiry with XXXX XXXX in an inquiry with Wells Fargo. I do not have accounts or credit cards with any of these three bureaus. When I noticed on XX/XX/XXXX, I started with XXXX XXXX where they said this card was opened with XXXXXXXX XXXX. I had the credit card shut down. Next with XXXX XXXX where I was told that this individual attempted to open XXXX credit cards with my name, date of birth, and Social Security number. They stated that the address and phone number did not match. They would not disclose what the address and phone number were. They shut down the applications and no further action was needed with XXXXXXXX XXXX. Next was Wells Fargo where I was informed that there was two credit cards opened under my name, date of birth, and social. Wells Fargo reported the same thing as XXXX XXXX that the address, email and phone number did not match mine. That day I froze all three credit bureaus with XXXX XXXX XXXX XXXX XXXX. I received letters in the mail XXXXXXXX XXXX and XXXX XXXX claiming fraud was detected and accounts were closed down. XX/XX/XXXX I got a letter from Wells Fargo saying no fraud was detected but letter was not received until XX/XX/XXXX. I called in a reconsideration with Wells Fargo as a transaction went through on one card for {$2500.00}. The representative told me that they see this person bought " points '' and that after the card was closed on XX/XX/XXXX that the person attempted to run it again on the XXXX XXXX XXXX. They told me the transaction happened on XX/XX/XXXX but did not post until days after. After XX/XX/XXXX I went into a Wells Fargo branch to change account information as I was having difficulty obtaining information from Wells Fargo since the information did not match my own therefore they could not verify my identity. The gentleman at Wells Fargo stated the account had an old address used at XXXXXXXX XXXX XXXX XXXX  but no unit number. My parents sold this condo back in XX/XX/XXXX. The phone number used to open Wells Fargo account was XXXX which I found was connected with XXXX XXXX XXXX XXXX and they said the number did not have my name on it but could not tell me whose name it was under. They said the phone number was also shut down. XX/XX/XXXX I got a letter from Wells Fargo again stating no fraud was detected. I called Wells Fargo at XXXX and spoke to XXXX who stated it was declined due to address and phone number being the same as the account. I tried to tell XXXX that I was forced to change the information on the account to have updates on the case. XXXX disregarded and said that I was not allowed to re-open a consideration unless a letter was faxed into their department stating why it needed to be reconsidered.

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 monetary relief