Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Formal Complaint Regarding Account Ending in XXXX I am submitting this complaint due to XXXX XXXX repeated failure to properly validate an alleged credit card debt, as well as their continued furnishing of inaccurate and derogatory information to all three credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a certified dispute and validation request to Wells Fargos Recovery Department in XXXX, Oregon. This packet included : A formal debt validation letter ( dated XX/XX/XXXX ) Copies of my XXXX, XXXX, and XXXX credit reports showing Wells Fargo continuing to report the disputed account with derogatory remarks, charge-off status, and balance USPS certified mail receipt and tracking report confirming delivery A clear demand for full validation in accordance with 15 USC 1692g , including itemized charges, signed agreement, and proof of legal authority to collect or report Wells Fargo failed to respond properly. Instead, on XX/XX/XXXX, I received a generic Information Needed for Your Inquiry letter, requesting personal identifying information such as my full name, last four digits of my Social Security number, and current address. Despite the invasive nature of this requestand my discomfort in providing identifying information to a party refusing to validate a debtI complied. On XX/XX/XXXX, I mailed a formal Final Demand and Dispute Packet to the address listed on that letter : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN. 

That second certified mailing included : The signed Wells Fargo Information Needed for Your Inquiry form ( with my identifying details provided solely for dispute verification purposes ) My Final Demand and Legal Dispute letter ( dated XX/XX/XXXX ), which again demanded legally sufficient validation or immediate deletion of the account Full credit report screenshots again confirming continued derogatory reporting as of XX/XX/year> on XXXX  and XXXX, with remarks such as charge-off, account closed by credit grantor, and dispute resolved, reported by grantor Certified USPS receipt confirming delivery to the XXXX address As of todays date, Wells Fargo has failed to respond at all. They have neither provided proper documentation nor acknowledged my repeated certified disputes. This raises serious concern that my identifying informationincluding the last four digits of my SSNwas used solely to stall the dispute and potentially to fabricate records retroactively. I find this delay and silence deeply suspicious and unacceptable.

I am now formally requesting : Immediate deletion of the account from XXXX, XXXX, and XXXX  Written confirmation from Wells Fargo that this alleged account will not be re-sold, re-reported, or transferred to any third party now or in the future Legal Action Warning : Let me be clear : I am not confused. I am not disorganized. I am not bluffing.

I have kept meticulous records of every letter, screenshot, and certified mail receipt. I have documented Wells Fargos failures, evasions, and clear violations of federal law. 

If this account is not removed in full, I will move forward without hesitation by : Filing a formal complaint with the California Attorney General Filing with the Office of the Comptroller of the Currency ( OCC ) Initiating legal proceedings, either through Small Claims Court or binding arbitration Seeking damages under the FDCPA and FCRA Wells Fargo is officially on notice.

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