Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXXFailure to Provide Validation & Violations of Law  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNOTICE OF MATERIAL DEFAULT, DEMAND FOR CESSATION, AND CLAIM OF VIOLATIONS\nWells Fargo was provided with a formal written request through the CFPB on XXXX and previously by certified mail in XXXX XXXX, with follow-ups requiring documentary proof of lawful ownership, contractual authority, and accounting records concerning the above-referenced accounts. Despite certified mailing and reasonable opportunity to cure, Wells Fargo has failed and refused to provide the requested evidence. Your failure constitutes tacit acquiescence and agreement by silence, establishing that Wells Fargo has no lawful claim, perfected security interest, or enforceable ownership of these accounts.\nYour continued attempts to assert claims or report balances without proof constitutes fraudulent representation and bad faith dealings under state and federal law.\nViolations Committed by Wells Fargo\n    1. Violation of UCC 9-210  Failure to provide requested accounting and proof of security interest upon demand.\n    2. Violation of UCC 1-308 & 1-103  By refusing to rebut, Wells Fargo stands in default, confirming no meeting of the minds or lawful consideration.\n    3. Violation of Truth in Lending Act (15 U.S.C.  1601 et seq.)  Failure to provide accurate disclosures and material loan terms.\n    4. Violation of Fair Debt Collection Practices Act (15 U.S.C.  1692 et seq.)  Continuing to pursue collection without authentic validation.\n 5. Violation of Florida Statutes 673.5011 & 673.5021 Failure to produce the original instrument, assignments, and proof of negotiation.\n    6. Mail Fraud (18 U.S.C.  1341)  Mailing billing statements and demands absent lawful ownership constitutes fraudulent use of mail.\n    7. Fraudulent Concealment & Breach of Fiduciary Duty  Withholding material evidence of ownership, assignments, securitization, and accounting.\n    8. Florida Deceptive and Unfair Trade Practices Act ( 501.201 et seq.)  Unjust enrichment and conversion through misrepresentation of ownership and amounts owed.\n\nDEMANDS\n    1. Cease and Desist immediately from any and all collection activities, threats of charge-off, or adverse reporting concerning the above accounts.\n    2. Correct all credit reports to reflect that both accounts are settled, discharged, or otherwise uncollectible.\n    3. Provide written confirmation within 10 days that Wells Fargo has no lawful claim against XXXX XXXX    4. Refund all payments collected on the above accounts due to lack of valid contract and consideration.\nFailure to comply will result in the following actions without further notice:\n     Filing of a civil claim in state and/or federal court for fraud, unjust enrichment, conversion, and violations of FDCPA, TILA, and Florida law.\n     Referral of this matter to the Office of the Comptroller of the Currency (OCC), FTC, and State Attorney General for investigation of fraudulent lending and collection practices.\n     Public filing of a Notice of Fault & Opportunity to Cure and subsequent Notice of Default & Dishonor, enforceable under UCC and applicable common law.\nYou are now on legal notice. Continued silence will be deemed final admission and permanent bar against Wells Fargo from asserting any lawful ownership of the alleged debtsXXXX 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