Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Complaint Regarding Overpayment and Incorrect Charges on Wells Fargo Credit Card Account Dear Sir or Madam : Consumer Financial Protection Bureau , I am writing to seek your assistance in resolving an overpayment issue and incorrect charges on my Wells Fargo credit card account . 
In approximately XXXX through XXXX, I made several attempts to resolve an overpayment issue for a refund of several overpayments made by me to Wells Fargo Bank, and involving XXXX XXXX, and XXXX XXXX. An overpayment was confirmed by a Wells Fargo bank assistant during a walk-in visit to their branch in XXXX, XXXX, XXXX. During the visit, the assistant confirmed that my account had been overpaid and that the credit card in the amount of {$1600.00} was paid for in full. 
Despite Wells Fargo and the other Banks mentioned above ignoring my dispute of the fraudulent activity. I called the Banks 4 to 5 times a week attempting to get the issues resolved. Despite them ignoring my plea for help. I was turned away and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was getting the run around. I was devastated tin finding out there was an oversite in payments I had made to the Bank. With that being said, I have learned in finding out Wells Fargo Bank had been overpaid throughout the years by me and the fact that the Bank charged me for the credit card repeatedly throughout the years as well. Attached is Proof of the years : XXXX, XXXX, and XXXX Proving the {$1600.00} was added on at different times when in fact that credit card account was paid to Wells Fargo Bank. Attached are Bank statements you will see the Proof yourself. I am separating each of the three attachments by category to help make it easy for you to see. 

Moreover, a Bank Transfer going into XXXX XXXX Credit Card in the amount of {$1500.00} coming from Wells Fargo Credit card {$1500.00}. At this point in the statement the new balance stating {$1600.00} when I take the payment, I made of {$75.00} from {$1600.00} it equals {$1500.00} the exact amount added back to me again. Wells Fargo has been lying to me throughout the years creating me to struggle with severe hardship, mental anguish, XXXX XXXXXXXX. Not to mention having a lean against my home and judgement against me by another creditor, XXXX XXXX. Despite the fact of the matter, Wells Fargo Bank was not being honest with me prior to destroying my credit report. 

I contacted the Credit Bureaus in XXXX XXXX, XXXX, and XXXX to find out that the amount of {$1600.00} was now on my credit report as delinquent. At this point I know something is wrong! ( Attached is the Proof ) you will find below ( 3 ) attachments proving I am telling you the Truth. After contacting the management of Wells Fargo by phone at the time I also submitted a dispute letter to the credit bureaus in also being denied for what Wells Fargo added on as nonpayment. 

Once again, In reading about the Wells Fargo scam of Fraudulent activity and skimming scheme of customers. I emailed the Wells Fargo site to request a form to submit a claim and was denied again by their Bank. This is the third time and is why I am contacting you. My hands are tied with a lean on my house and my credit score being below fair. I am constantly denied everywhere I can not get approved for anything. XXXX XXXX XXXX XXXX XXXX XXXX I am asking you for your HELP! Im below poverty level and I cant find help from anyone. 
This is unfair and unjust Wells Fargo Bank proved themselves to be fraudsters. How am I supposed to take care of myself. I am a victim of their fraudulent financial mental abuse, and fraudulent schemes to steal peoples money. They are ruining my life. 
( Please see attached proof. ) In the bank credit card statement, I made a walk-in visit to Wells Fargo XXXX XXXX XXXX CA. At this time, the representative confirmed while with no one sitting with her at her desk. I do not remember her name. She stated that she found {$500.00} dollars over payment by me. Despite the fact no one would help me or look at the material I brought to their attention, over time I have been turned away with no one acknowledging the repayment owed to me. Wells Fargo has not refunded the {$500.00} overpayment and more. Instead has now marked the account as delinquent with the credit bureau and has negatively impacted my credit report. 
Much more, Wells Fargo has been involved in financial fraud, criminal and civil investigations into sales practices involving millions of accounts without customer authorization. This included using existing customers identities without their consent to open checking and savings, debit card, credit card, bill pay and global remittance accounts. Moreover, Well Fargo opening Accounts without authorization, creating Pins to activate unauthorized debit cards, moving money from millions of customer accounts to unauthorized accounts. And altering the customers contact information so they would not find out. Wells Fargos fraudulent practices also included forging customer signatures to open fraudulent accounts thus resulting in a {$3.00} XXXX payment as part of a deferred prosecution agreement in a criminal matter, settlement of civil claims under FIRREA, and resolution of SEC proceedings as stated in the article from the Press Release and dated XX/XX/XXXX. ( I XXXX XXXX sited this page from XXXX internet and the Press Release. ) I have made numerous attempts to resolve this matter directly with Wells Fargo, in learning from the Article mentioned above I sent an email to request an application form for repayment, in which I was denied. I am seeking your help to recover the {$500.00} overpayment and for Wells Fargo to correct the incorrect charges the delinquency on my credit report and rectify the incorrect credit card charges. 
I have attached copies of all relevant documents, including bank statements, correspondence with Wells Fargo, and proof of the overpayment confirmation by the bank assistant. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. Thank you for your time and help. 
Sincerely, XXXX 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