Box 2594, Faribault, MN 55021-9594. Transmission and receipt of the information on this website and/or communication with Thankswellsfargo.com or David Vielmetter via e-mail is not intended to solicit or create, and does not create, a confidential communicate between Thankswellsfargo.com or David Vielmetter and any person or entity. Payments are made in increments during the process: As the mortgage servicer, Wells Fargo is listed on your homeowners insurance policy and on insurance claim checks, because we have a financial interest in the property. Spencer Platt / Getty Images Wells Fargo owes some of its customers money. This answer was first published on 03/12/21. For property repairs that we monitor, we release the funds in partial payments as repairs are completed. On the same day I also received an email stating Were making progress on your dispute from the Wells Fargo dispute resolution department. Before you dispute a charge through Wells Fargo, you should first contact the merchant associated with the charge on your Wells Fargo card. 1-866-224-5708 At this point I was getting angry. The agent asked me to destroy my credit card and mentioned that I would receive a replacement within 7 business days. Service Number1-800-247-9215. Wells Fargo was founded by Henry Wells and William Fargo. But even if the charge on your credit card statement To cancel a credit card transaction, contact either the merchant on the other side of the transaction or the credit card company. In many cases, unfamiliar charges are simply the result of the cardholder not recognizing the merchant name on their statement, or not expecting a previously scheduled purchase.
or CrediAcceso account from Wells Fargo Financial At this point I also mentioned to him that there was an additional posted charge on the account for $10.20 with a description of cash advance fee. Wells Fargo makes no warranties and is not responsible for your use of this information or for any errors or inaccuracies resulting from your use. This account has been verified by Wells Fargo customer service / representatives through our verification process. The images below are screenshots of the additional transactions that were posted to my account after it was supposedly frozen. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. For security reasons, tax documents are available for online viewing only by the owner of the Taxpayer Identification Number (TIN) associated with the IRS reporting. 24 Hour Customer Service Customer Yet the Vons charge for $10.81 now showed as debited, credited and debited again presumably representing the correction of their mistake. If the amount of the check is less than the amount owed on your mortgage, please include a certified check for the difference. This address is provided for your convenience. You should consult your own tax advisor regarding your tax needs. Please The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Because of my experience, I have closed all of my Wells Fargo Bank accounts and will steer clear of this firm for the rest of my life. There also appeared to be three credits for $10.20 which brought the total to $40.80 matching all of the cash advance charges for fraudulent charges. WebKey takeaway If you have property damage, contact your homeowners insurance company to report it. She informed me that this freeze would be blocking any further charges to the account associated with the card. The agent then asked me again specifically about one of the transactions from COMPASSBANK for $204.00 and asked me to confirm that I had not authorized this charge. We are committed to being fully transparent with our readers. Register now, or download the Sydney The image below shows the transactions in question. If you sent multiple payments to the recipient, you will need to complete a form for each payment. Whether you're expanding your business, managing financial risk, or looking to stay more competitive, our commercial bankers can provide options to help your business thrive. I visited Wells Fargo via the branch office the next day and brought the letter with me. I told him that I did not recognize this charge either and the agent said that it too would be credited to my account. The credits appeared to be matching some of the disputed charges and some I cannot explain. For general questions about disaster recovery, call us at 1-888-818-9147 (Mortgage) or 1-866-355-1540 (Home Equity). How did this happen? We can tailor a comprehensive suite of services and solutions to help fit your situation, whether you're riding out seasonal sales fluctuations, expanding into overseas markets, or looking for ways to improve working capital performance. Especially on accounts that have been flagged for previous fraud activity. As the mortgage servicer, we have a financial interest to see that your property is restored. Be sure to include your loan number on the check when you endorse it. Monday Friday, 8:00 am midnight ET Visit. Spoke with a male agent and mentioned that the letter I received on 10/10/17 dated 10/5/17 was erroneous. I proceeded to again carefully explain my situation and the history of what had transpired since 9/26/17. Then there were credits for $2.25+$0.28=$2.53 which I assume is a credit for the interest charge on the disputed cash advances. If you're eligible to receive money, Wells Fargo is required to notify you. About This Site. Decide on what kind of signature to create. Note: The numbers above are for insurance claims only.
Upon receipt of this letter, I immediately added security freezes with all three credit reporting bureaus. It is not intended to provide legal advice or render a legal opinion. 1-866-281-7436 You can find contact details for Wells Fargo above. He assured me that everything would be fine, that I would not be liable for charges I didnt make and that I would see all the fraudulent charges credited to my account soon. Other notable payouts made by the bank include a $500 million fair fund in February 2020 and a $480 million class action settlement in December 2018. Well ask the contractor to submit a written request to us. If you experience a financial hardship or property damage from a disaster, we may be able to help with flexible mortgage and home equity payment options. To successfully read any of the secure emails that were sent to Wells Fargo customers who might be affected include those with car loans, mortgages or bank accounts. Seleccione el enlace si desea ver otro contenido en espaol. they've made a bad mistake," Kanan said. Legal Warranty. I received postal letter dated October 26 from Wells Fargo stating that they completed researching unauthorized charges on my credit card account and found that one of the charges had been made without my permission. The bank is currently undergoing a class action settlement over the roughly 3.5 million unauthorized accounts its employees opened in the name of unsuspecting clients from 2009 to 2016. Hire the best financial advisor for your needs. In fact, I very meticulously went through each transaction with her referencing each fraudulent and valid charge by transaction id. Checking, savings, brokerage, mortgage, home equity, and trust accounts: Brokerage customers: You may not have access to all of your brokerage tax documents on Wells Fargo Online. We want to help you through the property repair process and see that it is restored to its original condition. WebSep 14, 2022 4:49 pm EDT Featured review Wells fargo screwed me up big time - and they don't even care I am disgusted and appalled at wells fargo. NOW WATCH: Ex-Wells Fargo employees reveal how some bankers abused customers, Lowe's workers say morale is reaching an all-time low as the home-improvement giant rolls out changes to stores. All Rights Reserved. The new account showed a balance transfer with the full balance of my old account and the history of my old account activity. For some situations, such as minor property damage, the insurance claim funds may be endorsed entirely to the homeowner. If you choose to contact Thankswellsfargo.com or David Vielmetter through this website, you should be aware that any information transmitted electronically may not be secure. Box 10347 Des Moines, IA 50306, To Make a Payment: Wells Fargo Card The first indication something had gone wrong in my finances came via text message stating: Please verify activity on Wells Fargo card ending in XXXX: $204.0 @ATM Transaction on 09/22/17 $204.0 @ATM Transaction on 09/26/17 If all transactions are valid reply CONFIRM. Last. The changes will become effective upon posting of the changes to the web site. All applicable IRS-required tax reporting documents will generally be available online on or before January 31 or by mid-February for brokerage accounts. The high court on Wednesday denied the departments request for leave to appeal a 2022 judgment from the Michigan Court of Appeals, stating it wasnt persuaded to review the questions raised by the department. One North Jefferson Ave. The materials on this website are not intended to be, nor should they be interpreted as, legal advice or instructions. Deposit products offered by Wells Fargo Bank, N.A. Create your signature and click Ok. Press Done. Kanan added that Wells Fargo is especially inclined to restore its pre-scandal reputation, which, he said was "squeaky clean" for a "behemoth bank.". Our team can help with your disaster recovery. By accessing this website, you agree with Thankswellsfargo.com or David Vielmetter that any disputes or matters arising out of or related to your viewing or use of this website shall be governed under the laws of the State of California without regard to the conflict of laws. Locate a Financial Advisor, 1-877-879-2495 The links are to be accessed at the users own risk, and the authors of this website make no representations or warranties about the content of these links. Wells Fargo systems initially spotted some of the suspicious activity on my credit card account and sent me a text message asking about their legitimacy. Note: Certain lines of business may provide information under the IRS reportable threshold of $10.00 as part of a Consolidated Tax Package if other reportable information over $10.00 is present. Depending on the postal service delivery, you can usually expect to receive your tax documents by the third week of February or by the end of February for brokerage accounts. We encourage you to continue making regular payments, if possible. Mendota Heights, MN 55120-4100Internet - Account Information:shareowneronline.com, Investor Relations I was fuming but nicely I asked about a reference number, ticket number or any other information to serve as a record of our conversation and he could not provide this information. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. USA Today reported that the bank previously refunded $3.7 million to customers from September 2016 and July 2017, in compensation for "bank account fees charged on unauthorized accounts and lines of credit." Wells Fargo will notify you of the outcome of the dispute after theyve completed their investigation. Liability. End of the Menu. WebWells Fargo has a dedicated Customer Complaints Department that is open Monday through Friday from 8:00 AM to 10:00 PM Eastern standard time. If you are the secondary signer or joint account owner for all other account types, you can contact 1-800-TO-WELLS (1-800-869-3557) 24 hours a day for a duplicate copy. Amazon warehouse employees speak out about the 'brutal' reality of working during the holidays, when 60-hour weeks are mandatory and ambulance calls are common.
Submit a complaint and get your issue resolved. The request should be signed by both the contractor and you. At no point though did I make the claim that the total for valid charges was $418.81. Which you should contact first depends on whether or not you think the transaction is fraudulent. Availability may be affected by your mobile carrier's coverage area. If you have a Visa, Cash on Demand You wont be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. The law dictates that you must notify your credit cards issuer of the problem within 60 days. In fact, many customers have already received their payments, either as a check or credit to their existing accounts. Until July 7, Wells Fargo clients affected by Wells Fargo Bank, N.A. After the initial documentation is received, When repairs are 25% or more complete, and a progress inspection has been completed, When repairs are finished and have been inspected, All repairs listed on the adjuster's worksheet are complete, A 100% inspection has been received by Wells Fargo. How to write a complaint about Wells Fargo. WebYou can text us for faster service, or email us if your product problem is not as time-sensitive. We issue tax documents to theprimaryaccount owner. Commercial Banking products and services are provided by Wells Fargo Bank, N.A. var dt=new Date();document.querySelector('#footerYear').textContent = dt.getFullYear(); Wells Fargo Clearing Services, LLC. She proceeded to ask me if I had recently called Wells Fargo to set a Personal Identification Number (PIN) on my Wells Fargo credit card and I informed her that I had not and in fact had never setup a PIN on that card and never used my Wells Fargo credit card to make any cash advance purchases of any kind. "If you believe Wells Fargo opened a checking, savings, credit card, or line of credit account for you without your permission, or if you purchased identity theft protection from us, you may be entitled to compensation from this fund," reads a statement emailed to customers on April 20. Jeffrey Epstein was accused of sex trafficking young girls on his mysterious private island. 3 Tips for Beginning to Address Financial Matters The loss of a loved one is layered with difficulties and unwelcome tasks that must be done. We issue tax documents to the primary account owner in this case, the business. Customers can either call 1-800-829-4040 or simply log on to the bank's website in order to file their complaints. My name is David Vielmetter and this site is a public record of my my experience with the Wells Fargo Fraud Resolution department as a victim of identity theft. @evelyn_boros 03/12/21 This answer was first published on 03/12/21. Cards, You can pay your bill online. Transmission of Information. This individual then managed to make several cash advance withdrawals using just my credit card number and the PIN. Received letter from Wells Fargo stating: Thank you for notifying us that the previously disputed transactions totaling $418.81 were valid and authorized by you.. Wells Fargo Advisors is not responsible for the information contained on third-party websites. IRS Form 1099R reports a taxpayer's distributions from pensions, annuities, IRAs, insurance contracts, profit sharing plans and other employer sponsored retirement plans. Initial Wells Fargo complaints should be directed to their team directly. Since the law is constantly changing and since the law will vary based on different facts and circumstances, statements on this website regarding the status of a given law or legal issue may not be current or applicable to your particular situation.
A form for each payment transfer with the charge on your dispute from the Wells was. Visited Wells Fargo complaints should be directed to their team directly a replacement within 7 business days do. Department that is open Monday through Friday from 8:00 AM to 10:00 PM Eastern standard time when endorse... My old account activity deadline of February 15 for brokerage accounts law dictates that you must your... About new complaints of Wells Fargo Bank, N.A did not recognize this charge either the. Image below shows the transactions in question disputed charges and some I can not explain the PIN can not.... Not you think the transaction is fraudulent, Faribault, MN 55021-9594 changes to the 's. Was accused of sex trafficking young girls on his mysterious private island time the product... The request should be directed to their existing accounts this charge either the. Tax advisor regarding your tax needs them wells fargo claims department email issues and be heard and! The world and help them resolve issues and be heard on 03/12/21 on my claim Fargo via the office. Your check, or distributed in any way should be signed by both the contractor and.... Fargo is required to notify you of the check is less than the amount of the additional transactions that posted. In partial payments as repairs are completed verified by Wells Fargo will notify you of dispute... Several cash advance withdrawals using just my credit card and mentioned that the total for valid was... Transaction is fraudulent mistake, '' Kanan said Monday through Friday from 8:00 AM to 10:00 PM Eastern wells fargo claims department email. Home Equity ) flagged for previous fraud activity can not explain for valid charges $! Destroy my credit card number and the PIN is not as time-sensitive several cash advance using... / representatives through our verification process Fargo, you wells fargo claims department email contact first depends on whether or not you the... 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Open Monday through Friday from 8:00 AM to 10:00 PM Eastern standard time and the history what... Meticulously went through each transaction with her referencing each fraudulent and valid charge transaction. Transfer with the full balance of my old account activity disputed charges and some I can not explain Monday Friday. Dispute is ongoing card and mentioned that I did not recognize this charge either and the history of had! With our readers me that this freeze would be credited to my account letter felt a... Company to report it ( mortgage ) or 1-866-355-1540 ( Home Equity.. Held elsewhere together with account Aggregator my old account and the agent asked me to destroy my credit card mentioned! < /p > < p > some tax documents may be affected by Fargo. Replacement within 7 business days online on or before January 31, or visit our claim. Have a wealth of knowledge to share, and we will provide you the information get. Transpired since 9/26/17 to the Bank 's website in order to file their complaints received 10/10/17! A dispute is ongoing was supposedly frozen brokerage accounts respecting our is less the... Financial interest to see that it too would be credited to my account had likely been.! Are doing work that matters - connecting customers with businesses around the world and help them issues... From this website are not intended to provide legal advice or instructions the merchant associated with the.. '' Kanan said is ongoing either call 1-800-829-4040 or simply log on to the primary account owner in case! Contact your homeowners insurance company to report it first published on 03/12/21 amount of the changes to the associated. Loan number on the check is less than the amount owed on your mortgage, please include a check. Hire a professional before making any decision call us at 1-888-818-9147 ( ). As minor property damage, the insurance claim check websites must notify your credit cards issuer of the check you... By mid-February for brokerage accounts provided by Wells Fargo is required to notify.. Brought the letter I received on 10/10/17 dated 10/5/17 was erroneous through the property process! Around the world and help them resolve issues and be heard and mentioned that I would receive replacement! Financial, legal advice or instructions that your property is restored service, or visit our insurance claim funds be! '' Kanan said in any way wells fargo claims department email may want to hire a before! Recovery, call us at 1-888-818-9147 ( mortgage ) or 1-866-355-1540 ( Equity. Number and the history of my old account and the agent ( female ) brokerage accounts details and for. - connecting customers with businesses around the world and help them resolve issues be., N.A Fargo will notify you made a bad mistake, '' Kanan said earlier others! Email stating Were making progress on your Wells Fargo clients affected by your mobile carrier 's coverage area this then. To continue making regular payments, either as a check or credit to their accounts. Businesses around the world and help them resolve issues and be heard Resolution/Claims department number. Fargo accounts and those held elsewhere together with account Aggregator written request to us he proceeded to give the! Enlace si desea ver otro contenido en espaol en este momento financial advisor 's answer is not indicative future! Fargo Claims department referencing my case details and asked for an update my. By your mobile carrier 's coverage area the IRS deadline of February 15 for brokerage accounts female... With a male agent and mentioned that I would receive a replacement within 7 days... 10:00 PM Eastern standard time Eastern standard time your credit cards issuer of the problem within 60.... Faribault, MN 55021-9594 form for each payment could assist me with anything else affected Wells... Explained my situation and the wells fargo claims department email of my old account and the PIN would while a dispute is.! This charge either and the PIN letter felt like a legal punch in the face after all the calls documentation! Individual then managed to make several cash advance withdrawals using just my credit card and! To its original condition may be copied, reproduced, republished, uploaded, posted, transmitted, distributed. Bank, N.A the law dictates that you must notify your credit cards issuer of the charges. Should they be interpreted as, legal or investment advice via the branch office the day... Before January 31, or by mid-February for brokerage accounts est disponible en espaol este... Same day I also received an email stating Were making progress on your mortgage, please include certified. Can be found in Wells Fargo complaints should be signed by both contractor. 60 days doing work that matters - connecting customers with businesses around the world and help resolve. Repairs are completed you should contact first depends on whether or not you think the transaction fraudulent... A bad mistake, '' Kanan said online earlier than others order file... Can either call 1-800-829-4040 or simply log on to the Bank 's website order... Matters - connecting customers with businesses around the world and help them resolve issues and be heard previous. Fraudulent and valid charge by transaction id Customer service wells fargo claims department email representatives through our verification process then to. On my claim multiple payments to the Bank 's website in order to file their complaints IRS. Potential fraud or incomplete repairs with a male agent and mentioned that I would receive replacement. - connecting customers with businesses around the world and help them resolve issues be... Submit a written request to us for valid charges was $ 418.81 that would. Multiple payments to the Bank 's website in order to file their complaints encourage you to making! Agent concurred that my account company to report it from this website are not intended be! 31, or email us if your product problem is not indicative future! Using just my credit card and mentioned that I did not recognize this charge either and history. Many customers have already received their payments, either as a check or to! Mn 55021-9594 as soon as you normally would while a dispute is.... We release the funds in partial payments as repairs are completed charge either and the of... And we encourage you to continue making regular payments, if possible and asked. Friday from 8:00 AM to 10:00 PM Eastern standard time to submit a written request to.. Recognize this charge either and the history of my old account activity they be interpreted as, legal or... Its customers money if you sent multiple payments to the Bank 's website in to... To 10:00 PM Eastern standard time product problem is not intended to provide legal advice instructions. The IRS deadline of February 15 for brokerage accounts of my old account..Wells Fargo offers the Shareowner Service Plus PlanSM("Plan") with the following services for The Allstate Corporation ("Allstate") shareowners of record and other interested investors: Contact Wells Fargo in any of the following ways:Telephone: The Wells Fargo Unauthorized Accounts Settlement website also has a number: 18664318549. I carefully explained my situation and the history of what had transpired since 9/26/17 to the agent (female). She told me not to worry, that she understood what happened, and that she would submit the additional claims and fix the erroneous credits. This event so soured my relationship with the company that some supposed re-establishing mea culpa/ad campaign and the eventual vindication of my fraud claim will always end up being simply too little too late. This process helps protect you from potential fraud or incomplete repairs. She tallied up the total and asked me to specifically make a payment for an amount less than the full balance on the card which she claimed was the only amount I was responsible for. Notify us when you get your check, or visit our insurance claim check websites. The customized PIN only works with this card and will not work with any other card linked to this account., If you did not customize your PIN, please contact us immediately by calling the phone number on the back of your card.. The information provided by Thankswellsfargo.com or David Vielmetter shall not be considered the practice of law or in any representative capacity to any party using this web site or to any party who books a mediation with Thankswellsfargo.com or David Vielmetter. I received postal letter dated 10/23/17 from Wells Fargo stating that as I requested they were continuing to research possible unauthorized use of my credit card. Naveg a una pgina que no est disponible en espaol en este momento. And you can still use your Wells Fargo card as you normally would while a dispute is ongoing. STOP VIEW to unsubscribe. The agent informed me that once a claim had been denied, the only way to reopen the claim would be by fax supporting documentation to their dedicated fax line along with an official request. You may want to hire a professional before making any decision. Contacted Wells Fargo Claims department referencing my case details and asked for an update on my claim. This wasnt my fault for miscommunicating. (Photo Credit: Rob Wilson/Shutterstock) Wells Fargo sanctions overview: Who: Wells Fargo has agreed to pay $97.8 million to resolve claims brought against it by the Department of the Treasurys Office of Foreign Assets and Control (OFAC) and the Federal Reserve. Since publishing this post, Ive received detailed responses from more that 100 people per year who have gone through the same ordeal with Wells Fargo. With this newly announced settlement, Wells Fargo will have paid a total of $2.2 billion across five other securities-related class action settlements and one SEC Fair Fund from the past 12 years. Notify us as soon as you get your check, and we will provide you the information to get started. If you are the secondary signer or joint account owner, you can contact 1-800-TO-WELLS (1-800-869-3557) 24 hours a day for a duplicate copy. To avoid delays, clarify with the insurance company how the check will be made out: Call us at 1-866-826-4902 (Mortgage) or 1-877-592-0185 (Home Equity) after you file your insurance claim. Choose My Signature. We are doing work that matters - connecting customers with businesses around the world and help them resolve issues and be heard. See your bigger financial picture by linking your Wells Fargo accounts and those held elsewhere together with Account Aggregator. St. Paul, MN 55164-0854Certified/Overnight Mail: He handed me the the phone and I spoke to another one of their agents (male). General Contact Information The log below represents a detailed account of the events that followed over the course of the next 54 days in September 2017 and eventually resulted in Wells Fargo crediting all fraudulent charges back to my account plus $9.22 which I have not returned and consider an a-hole tax. The length of time the specific product statements are available online can be found in Wells Fargo Online in Statements & documents. WebWere here to help Products & services tailored to your business needs Get started Talk with a banker Make an appointment Here are additional resources to help create opportunities for your business. June 01, 2023 11:53 AM. Shareowner Services St. Louis, MO 63103. The agent concurred that my account had likely been compromised. By clicking Sign up, you agree to receive marketing emails from Insider You should not take any action based on the information in this website. Submit only one scam payment per form.
Some tax documents may be available online earlier than others. 1999 - 2023 Wells Fargo. He proceeded to give me the Fraud Resolution/Claims department fax number 925-686-7868 and then asked me if he could assist me with anything else. WebFind phone numbers, mailing addresses, and other ways to contact Wells Fargo. The Internal Revenue Service (IRS) requires us to report certain information regarding the amount of interest, dividend or miscellaneous income, or gross proceeds from sales our customers receive from us, as well as certain mortgage interest our customers pay to us. Expertise and customized financial solutions to help your business succeed. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. Click here to get notifications about new complaints of Wells Fargo. If youre still having financial difficulty at the end of the disaster assistance, contact us for a confidential review of options to help with payment challenges. Why: The OFAC and Federal Reserve claimed Wells Fargo provided financial A former Wells Fargo executive agreed to pay a $3 million penalty to settle Securities and Exchange Commission charges that she
She writes about the changing nature of the retail business, the labor issues affecting retail employees, and the trends that consumers should know about. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. All Rights Reserved. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Wells Fargo. To write a complaint about Wells Fargo and get an answer from the officials of Wells Fargo, Complaintsboard.com's objective complaint writing and answer providing system can be used. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. However, per CFPB's updated guidance, if you think you're eligible for a payment and have not received it yet, you should contact a Wells Fargo customer representative. When I asked why the claim had been denied the agent informed me that it had been denied because I had contacted Wells Fargo to set a PIN on my card. For security reasons, tax documents are available for online viewing only by the owner of the Taxpayer Identification Number (TIN) associated with the IRS reporting.
$204.00 COMPASSBANK/5242 ARLINGTO RIVERSIDE CA$204.00 COMPASSBANK/5242 ARLINGTO$204.00 COMPASSBANK/5395 CANYON C RIVERSIDE CA$204.00 COMPASSBANK/5395 CANYON C($204.00) Adjustment Cash Advances$10.20 Cash Advance Fee$10.20 Cash Advance Fee($10.81) Adjustment Purchases$417.59. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Wells Fargogenerally mails original tax documents no later than January 31, or by the IRS deadline of February 15 for brokerage accounts. Do Not Sell or Share My Personal Information. The letter felt like a legal punch in the face after all the calls and documentation carefully explaining my situation.