Debt collection -- Attempts to collect debt not owed -- Complaint #18434196
Complaint Overview
Complaint ID: 18434196
Company: Wells Fargo & Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2026-01-02T12:00:00-05:00
Date Sent to Company: 2026-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX directly refused to comply with the original contract. Because they refused to comply with the original contract they were not entitled to any money until a new agreement was created and signed by both parties. At the time when XXXX XXXX made the request of Wells Fargo to obtain the balance of {$3800.00}, they did not have my signature on the document. XXXX XXXX voided the original contract and had no legal authority to request money from Wells Fargo at that time and provided false statements that the job was completed. Therefore, Wells Fargo should not have extended this payment to XXXX XXXX because there was no new agreement. XXXX XXXX refused to install the fourth window and refused to comply with the building code as required by law. Since the original contract signed on XX/XX/year> was breached by XXXX XXXX, and their second contract was unsigned by either party, XXXX XXXX committed fraud by submitting the second unsigned contract for payment when they breached ; and thus Wells Fargo was not authorized to approve payment. I wrote Wells Fargo concerning the breach well before the payment and was told by phone that no payment would be authorized without my signature. Sincerely, XXXX XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #18434196 about?
Complaint #18434196 was filed against Wells Fargo & Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-02T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". 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.