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I reacently filed a complaint with the attorney general office. I receive a letter from a executive who tried to minimize wells Fargo role. The facts are clear as to how this account became negative. And that it continues to be reported on my credit report as negative. All the evidence related information demonstrating that wells Fargo is the reason it became negative. "Note" is a well Fargo employee applying several payments made by myself to a account that appears to not have been associated with my account. This is the beginning of the misunderstanding that's not been resolved.
This claim begins in 2015 on or around April 01 2015 wells Fargo open a account for an employee of mine without my permission, this would was a Revolving Loan that I didn't authorize, this individual was very close with the vise president at the time. And although I did have discussions with this individual about cosigning for monies to repair her vehicle, I never authorize or signed any documents that would have me as a cosigner on the loan that was opened that way for this individual this happened at some point mouths before I on April 012015 was informed that I was late on my loan/mortgage I learned of this around June or July I believe at the teller window at the local branch where I used the drive through regularly to make cash payments or deposits what ever the reason. To my surprise the most recent payments I had made on this loan weren't being applied to my account at all. It would be on the phone with customer service when I started really understanding what had happened and what I was in store for had already been taken place. First I believe it's important to understand the loan/Mortgage that was treated as a mortgage after the exseleration and late fees and mortgage insurance that wells Fargo said was not in place and numerous other false statements along with charges kelp adding up. Please understand this loan open in 2008 with Wachovia bank that transferred to wells Fargo had never been late not one time and was always paid over the amount due sometimes $50 $75$upto $150 over fast forward to April 2015 it becomes late according to wells Fargo in return wellsfago excellerates the Mortgage and take on as many charges that one can possibly imagine. Furthermore they exhausted my checking account of all my available funds $2,700 dollars one would believe this would correct everything or bring the supposedly missed payment back to its original standing not in this case .this is when I got on the phone as I was out of town at the time and I began to understand thar the payments I was making at the teller window was not being applied to the correct account instead it was being applied to the loan I learned I was a cosigner on. Furthermore I had credit cards open in my name I knew nothing about nor did I authorize its important to understand also my credit score was 850 at this time I work 37 years to achieve and utilize this privilege that for the record I no longer have as a result of this quagmire of an institution to get to the point I was forced into and by threats of foreclosure and not understanding everything that happened at this time and to my surprise my soon to be wife at the time borrowed the money and settled the account that I believe was premature now looking at all the facts. But by anymeans should let wells Fargo off the hook for ruining my credit and stating false narratives along with a host of misleading information. Identity theft and opening of fraudulent accounts. My contract was originally opened with Wachovia bank and I believe that is the contract that should be used to determine whether wells Fargo has over step its boundaries and If federal or state laws were violated along with any other remedies to resolve the turmoil that this has created in my and my family's lives. There are numerous other facts of these claims that for the sake of time and space was left out. Thanks for your help with these matters.
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