Debt collection -- Attempts to collect debt not owed -- Complaint #5358144
Complaint Overview
Complaint ID: 5358144
Company: Wells Fargo & Company
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Florida
ZIP Code: 33169
Date Received: 2022-03-23T12:00:00-05:00
Date Sent to Company: 2022-03-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, consumer and natural person am writing to notify you to stop all illegal and/or negative activities in association with but not limited to : my credit card, my name, and my vehicle. It has come to my attention that WELLS FARGO has violated me the consumer who is protected by federal and state law, by using my credit card without authorization illegally and producing a false promissory note with a forged signature. I WAS NEVER PRESENT AT XXXX XXXX ON XX/XX/XXXX TO SIGN THE CONTRACT THAT WELLS FARGO PROVIDED TO ME, NOR DID I GIVE CONSENT TO ENTER INTO THAT CONTRACT, AND THE SIGNATURE ON THE CONTRACT THAT WELLS FARGO SENT TO ME BY EMAIL IS AN ELECTRONICALLY FORGED SIGNATURE THAT WAS PLACED BY THE FINANCING MANAGER OR AN AGENT OF XXXX XXXX. I am disputing this alleged debt. I entered into a consumer credit transaction on XX/XX/XXXX for the purchase of a XXXX XXXX XXXX it was paid for and I owe no debt. However, on XX/XX/XXXX, WELLS FARGO violated my consumer rights by engaging in an unauthorized use of my credit card to obtain financing for a vehicle that I had already purchased when I entered into a consumer credit transaction on XX/XX/XXXX. I was not aware, nor given any notification of this transaction beforehand. 15 U.S. Code 1644 ( p ) defines The term unauthorized use, as a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. WELLS FARGO fraudulently used my credit card to produce a promissory note on XX/XX/XXXX, without authorization, which is evidenced by a statement that I received from Wells Fargo and the contract that I was sent via email of an alleged debt that is owed which is unequitable to me as a consumer. As a result, WELLS FARGO has violated 15 U.S. Code 1644 ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce 15 U.S. Code 1644 ( c ) Use of interstate commerce to sell or transport card. 15 U.S. Code 1644 ( f ) Furnishing of money, etc., through use of card I, XXXX XXXX, a consumer am also protected by Florida state laws which were violated by Wells Fargo XXXX. WELLS FARGO originated a loan under my name on XX/XX/XXXX without my authorization which is violation of 817.54, Fla. Stat. ( 2016 ) by obtaining a promissory note by false representation 817.645, Fla. Stat. ( 2018 ) Alteration of credit card invoice, when WELLS FARGO furnished a new contract ( please see attachment )
Frequently Asked Questions
What is Complaint #5358144 about?
Complaint #5358144 was filed against Wells Fargo & Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-03-23T12:00:00-05:00.
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.