WELLS FARGO & COMPANY – CFPB Complaint ID 2873073

Date Received: 2018-04-12T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn’t mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

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Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we’ll fix our mistake after making it 27 months in a row. They wouldn’t even have done that had I not filed a complaint.


State/Zip: AL 352XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2873073

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