Debt collection -- Written notification about debt -- Complaint #5023972
Complaint Overview
Complaint ID: 5023972
Company: Wells Fargo & Company
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 77004
Date Received: 2021-12-19T12:00:00-05:00
Date Sent to Company: 2021-12-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have disputed this Wells Fargo account multiple times with the original creditor directly as well the credit bureaus. There are multiple inaccuracies reporting and all 3 bureaus continue to report the account even though there are blatant inaccuracies. The account is charged off but continues to report activity after the account was charged off by applying multiple charge offs month after month in the payment history damaging my credit score. There high balance amounts vary between the bureaus. The open dates are different between the bureaus. There are multiple dates for the date last active which prolongs how long the account will stay on my report. It also proves the account was re-aged. There are multiple dates listed for the date of last payment. There is no payment history reporting for one of the bureaus about this account. the account number is incomplete between the 3 bureaus. They original creditor has failed to enter a notice of dispute.
Frequently Asked Questions
What is Complaint #5023972 about?
Complaint #5023972 was filed against Wells Fargo & Company regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-12-19T12:00:00-05:00.
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.