Date Received: 2024-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX is fraudulently charging me {$2400.00} for a hotel reservation that On the XXXXXXXX has no record of. XXXX lied and told Wells Fargo that I cancelled the reservation, and told me that I used the reservation, however neither is true because On the XXXX had no record that I had a reservation to begin with. It is in fact a duplicate fraudulent charge for a XXXX bill already paid to XXXX XXXX Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my actual stay. On XX/XX/XXXX XXXX XXXX refused to give me the room type I booked, a suite with two separate beds for me and my adult son in XXXX XXXX ( XXXX XXXX ). They overcharged me for a suite but gave me a much smaller room with one bed only and no bed for my adult son. I immediately submitted an on-line request ( which is allowed according to their policy as stated on their website ) for them to fix their error which they denied receiving but admitted through XXXX chat. I contacted On the XXXX on XX/XX/XXXX ( to fix the reservation ) and they told me on XX/XX/XXXX that there was no reservation from XXXX so I made a reservation for the same hotel and dates with XXXX ( which I paid ) otherwise I would have had to cancel my 14 day trip ( I had already booked plane tickets for XXXX leaving from XXXX on XX/XX/XXXX and we would have had no place to stay in XXXX ) XXXX I filed a dispute with Wells Fargo and XXXX told Wells Fargo that I cancelled the reservation and then they contradicted themselves and told me I used the reservation, neither of which is true, as XXXX XXXX XXXX told me I had no reservation to begin with. Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my stay. To add insult to injury Wells Fargo instead of helping me is charging me finance fees on this fraudulent charge which I have not paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Due to egregiously reckless misconduct, Wells Fargo simply lost XXXX I properly sent to XXXX XXXX. He did not receive the funds- so where did it go - and how can Wells Fargo simply just lose XXXX dollars of peoples money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. The experience was so distressing that I had to take anxiety medication afterward. I even reached out to my white colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as TD Bank. I had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly. I was informed that this bank address is wells fargo bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: " XXXX THE XXXX REP '' Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. The experience was so distressing that I had to take XXXX XXXX afterward. I even reached out to my XXXX colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as XXXX XXXX XXXX had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: YOUR COMPLAINT On XX/XX/ I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XX/XX/ and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/2023. The XXXX transfers were credited back the next day after receiving Wells Fargos response they had listed that the wire transfer case was started on XX/XX/ this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on Wells Fargos part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I Requested information used to investigate my case and was denied. I am requesting the information again due to the date being wrong on my case and the obvious mishandling of the case which had it been handled when the case was opened on XX/XX/2023 when I was given a case number the fraudulent wire transfer could have been stopped as it was not scheduled to go out until XX/XX/2023. Instead they are claiming it was opened on XX/XX/2023 which is false. I am not even being provided with the receiving financial institution which prohibits my ability to have the scammer who presented themselves as a Wells Fargo employee from being criminally charged. The response from my latest complaint has two different responses with two different dates proving that the person taking the claim on XX/XX/2023 did not handle the claim correctly. The response also stated that the claim are handled within XXXX business days but on XX/XX/2023 the fraudulent XXXX transfers were credited back to my account. If the XXXX transfers were credited back on XX/XX/2023 how is it possible that they were credited back the same day as Wells Fargo is stating the claim was open. It was opened on XX/XX/2023 this is proof as to why the XXXX transfers were credited back on XX/XX/2023. The wire transfer also reported on XX/XX/2023 was not handled properly because if it had been handled properly it was not scheduled to transfer until XX/XX/2023. It could have been stopped as well considering the claim was opened on XX/XX/2023. I provided the call log proving I made all three claims on XX/XX/2023. Wells Fargos response also suggested I contact law enforcement however I can not even provide law enforcement with the information of the receiving financial institution and the identity of the individual who obtained the funds. Wells Fargos response also stated that I did receive an alert regarding these transactions and that is absolutely not true. Had I received an alert on XX/XX/2023 I would have recognized that these were people posing as Wells Fargo employees and that this was not legitimate. I feel there was a breach of my information because I had been experiencing frequent fraudulent transactions on my account throughout the month of XXXX, which each time I received an alert. I had frequent contact with the fraud department of Wells Fargo because of all of the fraudulent activity. Because of all the fraudulent activity I had been experiencing and the communications with Wells Fargo employees the people posing as Wells Fargo employees communicated exactly the way all other employees had on other activity. This along with the refusal to release the information used to investigate my claim appears now as if they were actually Wells Fargo employees either accessing my account information for fraudulent activity or releasing my information to someone. The refusal to disclose the information and the two conflicting dates of the opening of the claim appears very suspicious. This is either an employee or incompetence in handling the claim. I have reported this to the FBI cybercrime division and the FTC and I will continue until I am compensated. It is the responsibility of a financial institution to protect the information and funds of a customer and Wells Fargo did not protect my information and my funds. This is a Small Business account and my small business has suffered because of this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: IVE APPLIED NUMEROUS TIMES AT WELLS FARGO BANK TO OPEN AN ACCOUNT, TO GET TOLD I CANT, THEY ARE A SECOND CHANCE BANK, IVE NEVER HAD AN ACCOUNT WITH THEM, NOR DO I OWE THEM ANYTHING. I WOULD LIKE TO OPEN AN ACCOUNT WITH THEM, PLEASE HELP. THE INFORMATION I TRYED TO OPEN THE ACCOUNT IN IS AS FOLLOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recieved a letter from Wells Fargo saying I was enrolled in a credit defense program and I may not have authorized it. I called the number saying that Id never sign up for anything like that and they offered a refund of the amount I had paid each month and asked if that was ok. I responded saying Im not sure because it was so long ago and wasnt sure exactly what the impact was. They immediately offered a higher number of {$250.00} which I agreed to. They told me Id receive the check in the mail within 30 days and if I didnt to call the number back. That was XX/XX/XXXX. I called last week because I had not recieved anything and they told me it should be in within the week, if not call back. I called today and they told me it has not been processed and when I asked how long they said they didnt know, nor could they give me a time frame in which to follow up again. They told me Id have that money by today and now I cant even plan a later date because they cant give it to me. Since this was promised by a bank I thought Id be able to trust it and now its set me back on my finances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was buying a product from an online seller. I was scammed out of it and have not gotten the product. The shipping company and the person combined cost me XXXX XXXX I filed a claim with wells fargo and they denied it. Im XXXX and this money is what im using to pay college. I was scammed out of it. I feel I was wrongfully denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55423
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Welll Fargo has wrongly accused me of fraud and scam and went a closed my personal checking accounts seized my money that have in the account and has told me that I have to wait until XX/XX/XXXX to get a check in the mail while I have family to feed .That has caused me a lot of damages emotionally physically and financially.I have keep calling them multiple time until I went to the branche in XXXX MD and the manager help me to overdraft my money..They illegally closed my personal checking account and my savings also my business account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part 1 ). On XXXX XXXX XXXXXXXX said that there was insufficient funds and the money would be returned, see Part 7 attachment ( However there was plenty of funds in the account so not sure what that was about. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/ ( ticket # XXXX, see attachment Part 6 ) ). On my XXXX account it showed a + {$30000.00} on XX/XX/XXXX, see part 2 attachment and then a - {$30000.00} on XX/XX/XXXX ( See part 3 attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account I filed dispute/complaints/went into the branch/spoke to several supervisors. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part 4 attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part 5 attachment ). The original {$30000.00} is still missing and on my XXXX account I have two separate - {$30000.00} transactions from wells fargo ( Part 3 and 5 attachment ). Each bank blames the other and says I have to contact the other bank even though I contacted both banks multiple times. Please help as this is causing severe stress and hours and hours of my time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A