Debt collection -- Written notification about debt -- Complaint #14675203
Complaint Overview
Complaint ID: 14675203
Company: Wells Fargo & Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Jersey
ZIP Code: 07202
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding two credit card accounts issued by Wells Fargo, ending in XXXX and XXXX. Neither account has ever been legally validated under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). I have not received any signed contract, original agreement, or legal documentation proving that I am responsible for either account. Account ending in XXXX has already been removed from my credit reports after a previous dispute, yet it remains active within Wells Fargo 's internal system. I want to ensure that this account is permanently closed and not sold, transferred, or re-reported in the future. Account ending in XXXX is still being reported and is now over 180 days past due. I have not received any validation, proof of liability, or confirmation that it is legally linked to my identity. I request that the CFPB require Wells Fargo to : Provide full legal validation for both accounts, including signed agreements ; Prove lawful linkage to my Social Security Number ; Cease any reporting, collection, or sale of these accounts without full legal validation ; Permanently close and discharge any unvalidated debt. If Wells Fargo can not provide proper documentation, these accounts must not be collected on, reported, or sold to any third party. Failure to comply may be subject to further action under the FCRA and FDCPA
Frequently Asked Questions
What is Complaint #14675203 about?
Complaint #14675203 was filed against Wells Fargo & Company regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.