WELLS FARGO & COMPANY – CFPB Complaint

By on February 13, 2018

Date Received: 2018-01-18T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Initial XXXX XXXX XXXX, an employee of XXXX XXXX ed me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued.
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful.
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning.
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this ‘debt ‘, and no written letter from them to collect this debt.

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Company: WELLS FARGO & COMPANY

State/Zip: CA 921XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2786643

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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