Credit card or prepaid card -- Getting a credit card -- Complaint #5118069
Complaint Overview
Complaint ID: 5118069
Company: Wells Fargo & Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Alabama
ZIP Code: 35244
Date Received: 2022-01-17T12:00:00-05:00
Date Sent to Company: 2022-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
During a routine check of my credit report on XX/XX/XXXX, I noticed that the following credit card account had been opened in my name : XXXX 's XXXX XXXX card issued by Wells Fargo Bank Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX Account type : Credit Card Status : Charge-off Status date : XX/XX/XXXX Past due amount : {$1400.00} Balance on XX/XX/XXXX : {$1400.00} I never opened this credit card account, and someone has fraudulently opened it by stealing my identity ( at least my social security number ). On XX/XX/XXXX, I called XXXXXX/XX/XXXX XXXXXX/XX/XXXX@ XXXX. I spoke to XXXX who transferred me to Wells Fargo Bank @ XXXX. The representative then transferred me to Wells Fargo Fraud Detection @ XXXX. I spoke to XXXX who then transferred me to Wells Fargo Recovery @ XXXX. I was then transferred to XXXX XXXX XXXX XXXX Fraud Detection. I spoke to XXXX who filed a dispute on my behalf to the three credit bureaus. I was then transferred again to Wells Fargo Fraud Detection @ XXXX. I spoke to XXXX who informed me that my case was in the hands of the Wells Fargo Recovery department, and I should expect a call or email the following week with a status update ( sometime during the week of XX/XX/XXXX ). In the following days, I activated fraud alerts from the three credit bureaus. On XX/XX/XXXX, I mailed a letter to Wells Fargo Bank asking for the account to be closed, a confirmation that I will not be liable for the fraudulent account charges, and that this account would be removed from my three credit reports. On XX/XX/XXXX, I received an email from XXXX XXXX of the Wells Fargo XXXX Complaints Management Office informing me that he was researching my complaint. I subsequently froze my three credit reports and informed the IRS that I was a victim of identity theft. On XX/XX/XXXX I called the Wells Fargo XXXX Complaints Management Office requesting a status update, and I was informed that my case was had been transferred to the Wells Fargo Claims Assistance Center. They were notified of a fraudulent credit card application on XX/XX/XXXX and may require up to 45 days to investigate. The contact information that I was given is : Wells Fargo Claims Assistance Center XXXX Since first discovering the fraudulent account on my credit report, I have successfully disputed it with all three credit bureaus. XXXX removed it from my credit report on XX/XX/XXXX, XXXX removed it sometime prior to XX/XX/XXXX, and XXXX removed it on XX/XX/XXXX. I have received no further communication from Wells Fargo Bank on the matter. When I first reported the fraud to Wells Fargo Bank on XX/XX/XXXX, I spent approximately four hours being transferred to numerous departments, put on endless holds, and I was disconnected more than once. Not one representative seemed able or willing to help even though I am a victim of identity theft. I am seeking a written acknowledgement from Wells Fargo Bank that the fraudulent account will be closed, that I will never be liable for the charges on the account, and that this information will be communicated to XXXX, XXXX, and XXXX on my behalf.
Frequently Asked Questions
What is Complaint #5118069 about?
Complaint #5118069 was filed against Wells Fargo & Company regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-01-17T12:00:00-05:00.
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 (Credit card or prepaid card) 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.