Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: ID # XXXX Based on correspondence received, I have spoken with Wells Fargo 's Product Remediation Group on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and told I should received their check for {$68.00} to settle this class action in XXXX business days. I am now been told on the XX/XX/XXXX & XX/XX/XXXX follow-up calls that the check is being processed but has been delayed due to the holidays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/23, {$25000.00} was fraudently wired from my account, wells fargo will not submit a letter of indemnity to the receiving bank. wells fargo has reviewed three times saying that this was an approved transaction when it was not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Wells Fargo BankXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received two letters indicated that WF fraudulently obtained and then used my personal information to set up I requested accounts. I spoke with WF and was told I would receive two checks : {$240.00} {$3400.00} Said checks would be received within twenty days, XX/XX/XXXX or XX/XX/XXXX. Then on XX/XX/XXXX, I received a THIRD letter outlining WF fraudulent conduct involving additional actions. I contacted WF again and was told, I would receive a THIRD check in the amount of ; {$2600.00} AS OF TODAY XX/XX/XXXX I HAVE NOT RECEIVED ANY CHECKS WHATSOEVER. What I have received is a royal run around with incorrect, duplicitous, information. I filed a complaint with WF, and discovered that the first two checks were not approved until XXXX respectively and the third check, subject of the XX/XX/XXXX co tact has still not been approved. I have been sent back and forth between various departments at WF. The last contact was today, XX/XX/XXXX where I was told the matter is being handled by XXXX XXXX, but my request for XXXX contact info was refused. I filed a complaint on XX/XX/XXXX COMPLAINT # XXXX There is absolutely no oversight, respondents give patently incorrect information, refuse to provide particularized information as to who can resolve the matter and send me to myriad departments, which engage in conduct which obfuscates and withholds. BASTE!!!!!! I want all three checks ASAP, without further delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had exhausted all my other options so I only proceeded in the mobile deposit because it said {$250.00} would be released immediately and on the XXXX the remainder of the {$1000.00} check would be released. Only to find out that no they put a hold on the check and a woman from my bank called and tried to verify but was not helped. This has put me in an emergency situation and I don't feel this is quite right. I know that it's up to the banks discretion and I truly need this to happen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 725XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run orchestrated by XXXX XXXX ( the Fraudster ) which involved me making deposits for a total amount of XXXX XXXX from my Wells Fargo account to a fraudulent investment firm ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened Wells Fargo credit card in XXXX XXXX XXXX to pay for repairs on my mothers home to replace the HVAC and upgrade the power panel. The charge amount was {$11000.00}. The first statement automatically set a minimum monthly payment amount at {$400.00} and stated the balance must be XXXX at the end of XXXX months to avoid deferred interest. I assumed that Wells Fargo had set the monthly payment amount of {$400.00} to ensure my balance would be XXXX by XXXX XX/XX/XXXX. I followed the banks recommendation for paperless reporting. At this point, I didnt see a need to frequently log in and monitor my accounts status. In XXXX XXXX XXXX I had to replace the HVAC in a house utilizing XXXX in XXXX, Va. The salesman suggested I utilize the same Wells Fargo Card with full payment due in XXXX months. I agreed. An amount of {$7200.00} was charged in XXXX XXXX XXXX and Wells Fargo adjusted my monthly payment to {$630.00}. In XXXX XXXX XXXX I compared the Wells Fargo monthly payment to my deadline to be at XXXX balance and realized this monthly payment set by Wells Fargo would not get my balance to zero. I payed {$2000.00} in XXXX and followed one-time payments of {$1000.00} each month thru XXXX XXXX XXXX In XXXX XXXX XXXX I logged into the account and was shocked to see my balance owed was over {$10000.00} and had increased over {$4000.00} in XXXX and there was an interest charged the past few months of XXXX and XXXX of about {$130.00} each month. At this point I payed a lump sum of {$5000.00}. Today, XXXX XXXX XXXX I made the final payment over {$4000.00} to get the balance to zero. Several issues concerning this account that I would expect of a customer to bank partnership, ( 1 ) The bank should set a monthly payment to ensure the balance reaches XXXX by the required date to avoid deferred interest ( Note : I have had several other 0 % interest accounts where the bank sets this payment to ensure it reaches XXXX balance ), ( 2 ) If this monthly amount isnt maintained, a notification should be sent out via e-mail or text ( similar to a checking overdraft notification ), ( 3 ) At the XXXX day point before the account should be XXXX, the bank should notify the customer of the date and balance due to allow the customer to arrange to make the payment. ( Note : The {$11000.00} balance being payed at {$400.00} a month, set by Wells Fargo, would only decrease the original balance by {$7200.00} after XXXX months leaving a balance of {$4200.00} due to avoid deferred interest which most consumers dont have on hand ). ( 4 ) The deferred interest rate being applied of 28.99 % is significantly higher than any bank card interest rate. I have a long history of banking with Wells Fargo and would appreciate some consideration and adjustment to this penalty applied to this account. Please consider some adjustment to this deferred interest / penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They denied me of opportunity to get credit and title 15 subsection title, 1611 faults and misleading deny of my own credit and theyre sharing and reporting bad information about my credit with other bureaus15 USC 6802, 15 USC 6803, 15 USC 6804, and 15 USC 6805
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened the account and a week and a half later they closed it because I found some laws Title 15 Sub-section title 1611 faults and misleading denial of my own credit .that states that you can not deny one person of their own credit, and they close my account because of that. The arbitration agreement states.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have filed several complaints with CFPB on Wells Fargo and The CFPB has failed to adequately address my concerns and complaints and continue to disregard my complaints when WELLS FARGO give them a fraudulent response. I have contacted WELLS FARGO several times asking for authenticated documents, recording or any evidence that they may have to prove that the transaction from @ draftking was authorized by me, they told me that I would receive these documents within XXXX to 40 days, well its only been a week and on today XX/XX/2023 I receive the following documents ( see documents attached ) they have failed to provide the required documents/evidence showing how they came to verify that these transaction were indeed valid where I have provided more than adequate evidence proving that these transaction were never authorized nor did I have knowledge or give @ draftking consent to withdrawn funds from my account. Now I see why WELLS FARGO is being sued for unlawful business practices, and its government agencies like the CFPB that is turning a XXXX eye to the fraud and failing to help we the people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A