Date Received: 2024-01-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, I received a call from my bank, Wells Fargo. I answered it since that is what appeared on my caller id. The rep, XXXX said he was calling from the fraud department to validate 2 XXXX transactions that they flagged. He said one was for {$990.00} and the other was {$490.00}. He asked if I knew the person, XXXX XXXX with a phone number of XXXX or XXXX. When I said no he then said he needed to get me transferred to XXXX so they can process the cancellation of these transfers he said I would need to provide them with the cancel codes XXXX and XXXX. When he transferred me, the rep said the manager handling the cancellation is XXXX XXXX and then walked me through how to submit the cancel codes through XXXX. After he walked me through the first cancel code, I saw the amount of {$990.00} removed from my account. He then said not to worry, once XXXX finishes the cancellation, it would be deposited right back. He came back on the line and said it would be another 3-5 minutes so he would call me back once it was completed. After about 30 minutes, I got worried and called Wells Fargo back, that is when them told me they did not call me and that it was a scam and the scammers have a way to mirror the bank name and phone number. Wells Fargo then said they closed my fraud claim and had to open a claim with the institution that received my funds and if they return the funds, they will give me my money back. But that doesnt help me with the bills that are supposed to go through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo overdraft fees were excessive and abused common practice stating a one day grace period. Balance inquiries went to far when checks where pending longer than the reasonable amount off time statements failed to represent wire transfer to creditors causing accounts to go into collections, statements showed overdraft fees were applied to items returned unpaid when they where charged or I would have to rely on statements inconclusive after the fact, account was in exclusively narrated to hide the mistakes making the account hard to understand the balance from month to month over the entire year as I waited months being transfered to corporate to bank.at one point being told in an interview that I should bank somewhere else and that I wouldn't ever get my money back Wells Fargo had an answer for everything wrong when they where in the wrong. I have been brushed off with my creditors XXXX notices to have collections come after me. Wells Fargo is a bully and falls short of the practices I banked with them to begin with. I have enough of the record to prove the duplications overdraft fees inquiries and the account closed stoping direct deposits to other accounts being held up this compliant deserves to be on one of the worst experiences I ever had to in counter about {$4000.00} worth if that even touches the time spent and financial ruin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On XXXX XXXX Wells Fargo Home Mortgage sent a response back to Case Number XXXX. My complaints/issues are : Wrongful Loan Modification Wrongful Foreclosure Request For Restitution CFPB Settlement What I want to know is was I wrongfully denied or wrongfully removed from payment assistance on 5 occasions?, if so, on what dates were these 5 occasions, please specify with a dated copy of these letters.
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: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: WELLS FARGO BANK , N.A . refused to acknowledge any of my requests for information. I also provided them with a negotiable instrument which they refused to return. I cancelled their security interest in my property prior to the XX/XX/2019 foreclosure. The did not respond to my requests for information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64083
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I went to a Wells Fargo branch in XXXX at XXXX XXXX the time of the appointment I made. XXXX XXXX, tried to assist me with my request starting at about that time. What I wanted to do was to close a CD that matured on XX/XX/XXXX and have the funds transferred to my checking account. I was told previously over the telephone that this could not be done on-line nor over the telephone and I had to make an appointment to visit a branch in person to get it done. So I did. It took XXXX XXXX over 2 and half hours, called multiple departments within Wells Fargo to finally accomplish it for me. He was clearly frustrated and embarrassed enough such that his XXXX XXXX XXXX went off. I had multiple CDs coming to maturity in XX/XX/XXXX, XXXX, XXXX and another one in XXXX. When I invested in the CDs, it was easily accomplished on-line. I do not understand and refuse to accept that to discontinue the automatic renewal of the CDs, it could be done on-line, or over the phone, and I had to visit a branch in person on the date of maturity of each CD and this process could take 2.5 hours each time. I made an appointment to visit a branch on XX/XX/XXXX. But I also called Wells Fargo 24hour customer service number on XX/XX/XXXX. Passed to XXXX, her supervisor XXXX and eventually to her supervisor XXXX XXXX. He read the internal rules carefully and repeated some to me over the phone and concluded that my request to discontinue the automatic renewals of the CDs on maturity and have the funds transferred to my checking account at the bank poses no risk to the bank and he could approve it. I asked him to twice to make sure and told him I had made an appointment on XX/XX/XXXX and I would cancel it. He assured what I asked for will be done, there would be no need to visit a branch for each of the maturing CDs. I recorded the call finished at Pacific Time XXXXXXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX, I checked online. Apparently nothing was done. So I called the XXXX support number again. The first line banker XXXX told me to go to a branch, refused to pass me to his supervisor, eventually passed to a complaint department officer XXXX ( male ). After long conversations, XXXX also looked up internal rules and agreed that my request can be done over the phone, as along as I reached a senior enough officer in the first-line. In complaint department, they could not approve the request. Suggested I call the support number again next day. I called again on XX/XX/XXXX, was not able to reach any officer senior enough because it was a Sunday. I called again on XX/XX/XXXX starting at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. After multiple calls, speaking to different officers, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. It is concluded, as of now, XXXX XXXX XXXX XXXX that I will have to call back again to try to speak to an Executive Officer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: In 2021 my XXXX was eligible for a loan modification under the XXXX XXXX which would have waived the past due balance on my XXXX and would have at least kept the same payment of approximately {$2400.00} per month. However, because I was going through a divorce, Wells Fargo refused to allow me to accept the loan modification without the agreement or approval of my then spouse- which is in violation of XXXX Rules. My ex-spouse refused to sign the modification papers which would have only been beneficial to him as well. Wells Fargo would not allow me to make any decisions in regard to the XXXX unless I obtained a XXXX XXXX. My ex-spouse remained uncooperative, and, as a result, the house went into XXXX. I asked only for the house to be signed over to me in the divorce - by XXXX XXXX. I was finally able to get the XXXXXXXX XXXX but the house was in XXXX and on the XXXX 's XXXX list. Subsequently, after proving the XXXX XXXX was executed, Wells Fargo then offered a so-called loan modification to me in which they put all of the past due balances onto to the loan and raised the monthly payment to {$3500.00} per month. I had to take out a {$12000.00} loan to be able to meet the payment during the trial period of this so-called loan modification. Wells Fargo purposely, illegally prevented me from accepting the loan modification in 2021. This corrupt institution refused to allow me to accept the loan modification but was perfectly okay with piling all of the past due as well as the newly accrued balances to file for XXXX against me. Ultimately, I believe I was discriminated against because of my gender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XX/XX/XXXX I applied for a Wells Fargo Active Cash Visa card. I am XXXX years old and I do not recall ever being late on a payment my whole life and normally I pay all credit card balances in full each month on or before the due date. I have over a 800 credit score and I have about 5 active credit cards, all of which will vouch for my credit history. I do not have a mortgage on my home so debt ratios are not a factor. Wells Fargo about two weeks later, sent me an email asking me to provide W2 's and I presumed this was due to age discrimination since they clearly could determine by my credit report that my credit score is over 800 and there had never been any late payments or defaults. I called Wells Fargo and informed them I wished to withdraw my credit application as I was not going to submit W2 's due to my credit score and record. I was concerned about impacting my flawless credit and thus the reason for the withdrawal request. Wells Fargo would not give me an answer over the phone. ON XX/XX/XXXX, I received a denial of credit notice from Wells Fargo. I replied back via email and the message bounced back. I then called Wells Fargo and told them I was going to file a complaint with the CFPB and the OCC. They said they would get back to me and I have not heard back. This is clearly age discrimination and their refusal to not allow me to withdraw my application will impact my impeccable credit history. The simple solution is to allow my credit application to be withdrawn and this problem goes away but Wells Fargo chose to force me to file complaints with both the OCC and the CFPB. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Nv XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to access my account and there was no access. Then I went home and there was still no access. So I called and was told that the Fraud department put everything on hold. However, the person I talked to said she could not do anything about it, only the Fraud department can. So I asked to be transferred to the Fraud department and she said they are not available until Monday. And it's Sunday right now. The issue I have is that it's perfectly ok to protect account by blocking access when fraud is detected but in our cashless world it's not ok to then not have a way to resolve the problem except during banker 's hours. I don't carry cash and use my atm card for everything. They should have an " after hours '' way of accessing the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/23 I was fraudulently charged {$9.00} for international transaction fee three times and {$300.00} sent through XXXX XXXX. I had received a text from what looked like USPS about package delivery fee. I had another package delayed that made it seem legit. I tried a few times to use the card to pay, but it never seemed to go through. I have no confirmation that it was ever successful. After third try, I went to USPS site to verify the page. It was similar, but not exact. That is when I became aware of possible fraud. Still, without confirmation of any kind, I went on thinking I was spared. Then I found the transactions on my Wells Fargo account. I reported immediately to Wells Fargo and have now received a denial stating these were authorized payments. How do I get my money back. There is no way to contact XXXX since I do not have an account since Ive never intentionally used that service. Help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX XXXX XXXX and I first want to thank you for taking the time to read this letter. Ive had a great experience with WellsFargo and my goal is to maintain the relationship weve built over the last years. I recently pulled my credit report and discovered I have a late payment that was reported on XX/XX/2023 for my account XXXX. During that time, I forget to set up my AUTOPAY I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A