Credit card or prepaid card -- Getting a credit card -- Complaint #7133989
Complaint Overview
Complaint ID: 7133989
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: Colorado
ZIP Code: 80205
Date Received: 2023-06-18T12:00:00-05:00
Date Sent to Company: 2023-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a XXXXXXXX XXXX XXXX in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They gave me Case # XXXX for the investigation and told me I would hear back in ten days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and was maxed out with a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case ( Case # XXXX ) and that I would receive a call from her supervisor in 48 hours, but I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a telephone number, even though I was given one from a representative that was used on the application and the application shows a different email address than was given to me by the representative as well. The letter from Wells Fargo said that this was for XXXX # XXXX, which is a case number I never received. The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I have disputed the charges, frozen my credit, and placed fraud alerts with all three credit bureaus. A police identity theft report was made on XX/XX/XXXX. I sent a letter to Wells Fargo on XX/XX/XXXX restating the identity theft problems and included a copy of the police identity theft report, a copy of the credit report showing the fraudulent account, and a copy of CFPBs Notice to Furnishers of Information. I am waiting for Wells Fargo to abide by the law and do what is right.
Frequently Asked Questions
What is Complaint #7133989 about?
Complaint #7133989 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 2023-06-18T12:00:00-05:00.
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.