Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding four private student loans that Wells Fargo XXXX XXXX XXXX ( XXXX ) claims were issued to me while I attended XXXX XXXX XXXX in XXXX. One of these loans appears in Wells Fargos records as a XXXX private consolidation loan, which I do not recognize or recall authorizing. All four loans are private loans. On XX/XX/XXXX, I submitted a written request to Wells Fargo for the complete loan file for one of the loans. Wells Fargo has not provided any documentation in response. The only information I have received came from XXXX XXXX, who forwarded partial loan files they previously received from Wells Fargo. These files are incomplete and do not include the original applications, signed promissory notes, full disbursement records, or documentation showing authorization for any of the loans, including the loan Wells Fargo identifies as the XXXX consolidation loan. I attempted to follow up with Wells Fargo by email from my primary email address, but the messages were returned as undeliverable. Today, I used a different email account to submit written requests for the remaining three private loans, and that message was successfully delivered. Wells Fargo has still not provided any of the required documentation. The limited documentation provided by XXXX also contains inconsistencies and missing verification information. Several borrower verification fields appear incomplete or missing, and no drivers license number or identification verification information was included. Additionally, the records reflect conflicting loan periods for what appears to be the same loan ( XXXX in one set of records and XXXX in another ), with no explanation for the discrepancy. I also contacted XXXX XXXX regarding the alleged XXXX consolidation loan. In written correspondence dated XX/XX/XXXX, XXXX XXXX stated that it was unable to locate any loan under my Social Security number matching the information in Wells Fargos records and suggested that records might instead reside with XXXX. This is concerning because Wells Fargos documentation indicates that funds were sent to XXXX XXXX as part of the alleged consolidation, yet XXXX XXXX has no record of such a loan. At the time these loans were allegedly originated, I was approximately 20 years old, attending school in another state, and later entered the XXXX. I did not have the knowledge or experience to evaluate the loan history or servicing records at that time. Years later, when my parents and I reviewed the accounts because they were listed as cosigners, questions arose regarding the number of loans, the alleged XXXX consolidation loan, and the absence of supporting origination and authorization documentation. This led me to request the complete loan files from Wells Fargo and related entities. To date, Wells Fargo has not produced any signed promissory note or signed authorization documentation for any of the four private loans. Their failure to provide the requested loan documentation has prevented me from verifying the legitimacy, ownership, and servicing history of these alleged debts. Because Wells Fargo has not provided complete origination and authorization documentation despite multiple written requests, I dispute the validity, enforceability, and accuracy of these alleged debts pending production of such documentation. I request that Wells Fargo preserve all records related to these accounts, including origination records, underwriting records, communications, servicing transfers, payment histories, disbursement records, consolidation records, and any identity verification materials. I am requesting that Wells Fargo provide the complete loan files for all four private student loans, including the original applications, signed promissory notes, disbursement records, servicing histories, and any documentation showing authorization for these loans or for the alleged XXXX consolidation loan. I also request a formal investigation into the validity, authorization, ownership, and servicing history of these loans, as Wells Fargo has not provided the requested loan origination or authorization documentation despite my written request and followup attempts.

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