Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX. I had an account with Wells Fargo. I asked Wells Fargo on several occasions to close the account because my ex-husband was XXXX XXXX XXXX XXXXd he was continually overdrafting the account and once I got it positive I tried to close it or remove my name from it and they would not allow me to stating that my husband had to be present. I couldnt find my husband he was missing. Ive been trying to find him in the meantime the account was overdrawn, and I had already tried to close it before it got to that point and Ive opened up a new account to ensure the safety of me and my child, which I also informed Wells Fargo about my XXXX XXXX XXXX XXXX XXXX years later I got a call from a debt collection agency, threatening to garnish my wages and take me to court and they scared me so I paid {$450.00} and asked if I should be receiving any more phone calls regarding this account. They told me that the debt was paid. I received another phone call a year ago regarding the bank account from a different collection agency to which I told them Ive already paid it. I gave them the number and it was different by XXXX digit. They tried to get me to pay it again. I told them Ive already paid it. I did not hear anything from them again. Yesterday I received a call from someone who said they were a process server who said they came to my house and tried to serve me, but I have cameras on my front door and no one came to my house. They gave me a reference number and they gave me a number to call. I called them and again they told me now that I owed {$3000.00} towards the account. The only difference is the last digit. I told them that Ive already paid this and they told me that I needed to present this to a judge in court and have him say whether or not its a different account I have already paid this debt. I keep getting harassing phone calls from multiple agencies and at this point I feel that Wells Fargo has sold my debt to multiple companies and somewhere along the way the account number was changed by the very last digit they have never presented any documentation to me regarding the debt. The only documentation Ive ever received is the release of liability document that I received from the company XXXX XXXX that I paid to settle this debt. XXXX constantly getting threats from different collection agencies regarding this debt. I feel that Wells Fargo has failed me in several different instances on situation that couldve been resolved if I had been allowed to close the account. From the last conversation I had with them regarding this account, I begged them to close it because my ex-husband was overdrafting the account after the last time I spoke with them I removed all my direct deposits and moved all my money to a different account they would not let me close this account. I tried several times I even paid.

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