Date Received: 2024-01-07
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I went to wells Fgo bank XX/XX/2008 to ask for a notification to my XXXX, Mn property. The rep at Fgo, XXXX XXXX said I had to be default in my mortgage payments 2 months before I would qualify for my modification. During that time I was XXXX from a XXXX and had to spend time in XXXX for my XXXX. The bank knew where I was and was not handed forecloses papers. My home was on the market with XXXX XXXX realtor close to being sold. I bought a home in XXXX, Mn borrowing from Wells Fargo XXXX XXXX in them knowing I would use my XXXX, Mn sale to transfer to my new home in Mn. I put over XXXX down payment to my XXXX property thinking it would be a good investment with my 401k after a XXXX XXXX that ended in a XXXX. Wells Fargo winterized my home on XXXX XXXX without my knowledge or notifying my realtor. I had a shared well with my neighbor XXXX XXXX. When winterizing the home the water was shut off to my home and my neighbors home. My neighbor had XXXX plumbing turn back on the water supply to my neighbor and which my house flooded. Wells Fargo knew I had a shared well and took no steps to secure the property winterizing it properly. My home was forced off the market and inhabitable. Wells Fargo would not let my insurance XXXX XXXX enter my home for 5 months to get a estimate that was a total loss. The story is lengthy and I have all the documents to prove that wells Fgo has forced my home to be in a wrongful forecloser and forced into a forced placed insurance that has cost me everything I own. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear WELLS FARGO BANK, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I recently discovered that {$220000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. I asked for this information and Wells Fargo failed to send me any information or statements fro XXXX through the present. Also, Wells Fargo claimed that monthly statements were mailed to me, but none were. And Wells Fargo failed to produce any of the monthly statements allegedly mailed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I send the following message to XXXX because I do not have an email provided from them to deal with my previous complaint that is currently being investigated. See complaint no. XXXX filed with your office on XXXX I also filed complaint to dispute this transaction with Wells Fargo on XX/XX/ and haven't received a response back. This is what led me to contact XXXX who was handling the previous complaint with your office. They are not being too responsive to the matter. This shouldn't take this long to get a credit back to my account. I need to add to this complaint, as I reached out to the contact who is supposedly " investigating '' my complaint at Wells Fargo and told her how I was charged for items I ordered on XXXX on XX/XX/, but then about an hour later cancelled them because they were ordered by my husband erroneously. The total was for {$66.00} and XXXX cancelled the order IMMEDIATELY about an hour later, zeroing out the invoice telling me that nothing was billed. However, when I placed the order I immediately saw the " Pending '' transaction in my account. I watched for the transaction to drop off since XXXX confirmed nothing would be charged, but it never dropped off, but instead posted and deducted to my account and it still remains DEDUCTED from my account through tooday. I have attached the screenshot showing the cancelled order with the order number from XXXX from XX/XX/ for these two items. I expect this credit to be reversed IMMEDIATELY. When I called XXXX who is handling the complaint I made to the Banking commission, she was supposed to send me her email address so I can send her the invoice that XXXX shows as ZERO dollars because the order was cancelled. She never sent me an email so I can email her and when trying to call her back her voicemail is full so I have no way to reach her. Again, I expect this credit back to me IMMEDIATELY, as I don't know what is going on with Wells Fargo, but the financial transactions are ridiculous. I expect acknowledgement of this email promptly, as I also filed a dispute and have not heard anymore regarding this particular transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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: Hello, I received a phone message yesterday, but I couldn't hear the person on the other end of the line. They left a number that I couldn't make out. I also informed them that I'm currently recovering from XXXX XXXXXXXX and can't speak on the phone right now. I have made several payments on my account, but it still needs to be fixed. I was supposed to receive credits, refunds, a new card, and an account. It's crucial that this account is removed from my records as it doesn't belong to me. There are still some pending credits that I'd like to bring to your attention : XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$30.00} XXXX - {$9.00} XX/XX/XXXX - {$210.00} XXXX - {$6.00} XXXX - {$100.00} XXXX - {$9.00} XX/XX/XXXX - {$25.00} XXXX - {$42.00} XXXX - {$62.00} XXXX - {$44.00} XXXX - {$15.00} XX/XX/XXXX - {$8.00} XXXX - {$9.00} XXXX - {$26.00} XXXX - {$15.00} XXXX - {$9.00} XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$300.00} XXXX - {$9.00} XXXX - {$99.00} XXXX - {$200.00} XX/XX/XXXX - {$13.00} XX/XX/XXXX - {$15.00} According to my calculations, I am still owed {$1900.00}, plus any interest, fees, and late charges that may have been applied. Kindly confirm the correctness and completeness of this calculation and provide me with an email confirmation once it's resolved. Thank you for your help. Best regards, XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Re : Complaint Regarding Account Ending in XXXX I would like to know if this is handled in full today. I received a letter months ago that a resolution was made and that you'd send it to the credit bureaus, and I see that still needs to be done. I have already waited for the timeframe allowed for disputes to be resolved as well. From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : Complaint Regarding Account Ending in XXXX Dear Wells Fargo Executive Office , I had reached out to you about the above account and was disputing the balance, and I got a notice I was not responsible and that the account balance would be updated and a new card mailed to me. I am still waiting for the new card ; the account balance must be resolved. I continued making payments on the account as I have been in the hospital for months and will be released next week, but I was told this account would be on hold. I was told all interest and late fees would be refunded and stopped on my account, and I see that still needs to be done. I am trying to understand why my account is still like this. I tried to be proactive on this, but the balance of {$2300.00} still needs to be reflected, which should be different. This should be a XXXX balance, and a new card should be issued immediately. I can't call in because I can not speak, but this was resolved and is now outside the allowable time to resolve billing issues from when I reached out in XXXX. This needs to be corrected. Please confirm this via email, or you must leave a message, as I can only access and reply to emails now. I want this balance removed and a new card issued to me. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened an account with Wells Fargo to deposit a cashiers check that I was going to be getting from the sell of my dads house who had passed away I informed Wells Fargo about this when I opened the account On XX/XX/XXXX I deposited a cashiers check for {$62000.00} into my savings account with Wells Fargo inside a branch when in the branch they had to call XXXX bank and verify the check and they were able to do that I was told that they were going to only give me {$5000.00} the next day and the rest would be A 4 day hold On XX/XX/XXXX I made a transfer from my savings to my checking account of {$2500.00} and tried to pull it out at the atm however my card was blocked by the bank and I had to call them. When I called them they told me that I needed to step into a branch with my id I told them no problem I was able to withdraw the {$2500.00} inside the bank however now on XX/XX/XXXX I was notified that my account was no frozen and I would not be able to withdraw any money from my account until I talk to someone in the risk management department. Im not happy the fact that the bank is allowed to just not let me have access to my money i will be filing a police report against the company as this is crazy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2024-01-07
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 status incorrect
Consumer Complaint: Hello i didn't try to get credit from that company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: We received a letter from Wells Fargo in late XX/XX/XXXX. The communication was dated XX/XX/XXXX, from Wells Fargo Customer CareXXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " During a recent review of our current and former customer accounts, our records indicated that you were enrolled in the Identity Theft Protection- Affinion product. The enrollment began XX/XX/XXXX and ended XX/XX/XXXX. If you feel that the enrollment in this product was not authorized or not warranted by you, please call us within 60 days of the date of this letter so that we may care for any impact this enrollment may have caused. Otherwise, no action is needed. If you have questions regarding enrollment in this product, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. Thank you, Wells Fargo Customer Care '' XXXX XXXX MEMBERSHIP NUMBER XXXX Reference Number XXXX We called the number provided in XX/XX/XXXX. We asked why, if the service were discontinued in XX/XX/XXXX was our Wells Fargo account debited {$15.00} each month through XX/XX/XXXX? We were offered a refund of {$170.00} for " interest and fees ''. We requested refund of the full amount debited from our account over 13 years, ( {$2400.00} ) for a service that no longer existed. This resulted in an agent " graciously '' offering to add {$250.00} additional to our compensation. With each hold and transfer, agents would give first name only and no call back information. It was obvious that this third party did not have authority to reverse the charges against our account. Their resolution was to mail {$420.00} to us along with a letter to initiate litigation. This " Wells Fargo Customer Care '' call center is merely a time consuming buffer to Well Fargo 's responsibility to customer care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the XXXX and XXXX of XX/XX/2023, Wells Fargo enabled an unidentified third party to perform two money transfers out of my checking account for a total of {$50000.00}. Both wire transfers came out of my checking account but the fraudsters had access to all of my banking accounts and transferred {$20000.00} from my savings account into my checking account to take the maximum daily amount ( {$25000.00} per day ). The transfers themselves ( maximum daily amount transferred to newly added recipients ), the online activity leading up to the transfers ( enrolling a new online wire transfer program, adding new recipients and starting transferring money right away ) and the online context ( new device connecting from a new IP address, location undisclosed by Wells Fargo, simultaneously as to regular connection from myself ( usual activity, usual device, usual IP ) had all the trappings of fraudulent transactions. Yet, Wells Fargo failed to apply even the most basic scrutiny because the fraudsters provided codes that had been texted to me. I was tricked into providing these codes to fraudsters pretending to be Wells Fargos fraud department. The fraudsters spoofed Wells Fargos fraud department phone number and did not trigger any warning from XXXX Scam ID that was enabled on my mobile phone. It should be noted that Wells Fargos fraud department calling customers is the standard way for them to communicate and that they indeed routinely ask customers to read out loud texted security codes over the phone to identify the customer. Furthermore, the fraudster could credibly impersonate a Wells Fargo employee by displaying knowledge ( SSN, account numbers, ) that should have only been available to a Wells Fargo employee and performing actions only a Wells Fargo Employee should be able to perform : simultaneous access to the account and the ability to freeze and unfreeze (! ) the online access. Furthermore, when I alerted Wells Fargo right after the second unauthorized money transfer when it was still pending, Wells Fargo waited for four hours before contacting the receiving bank. Wells Fargo was unable or unwilling to explain such a delay. While reporting the unauthorized transaction on the morning of XX/XX/XXXX, the banker repeatedly told me that this happened every week and that there was no point in filing a police report or doing anything ( I should just wait for Wells Fargo Claim Department to call me after their " investigation '' ). Also, when it became apparent to Wells Fargo that I had not been the person making and authorizing the money transfers using a new device at a new location, Wells Fargo did not disclose this to me and instead kept saying and implying otherwise. To add insult to injury, Wells Fargo used that fact to refuse to disclose to me information essential for law enforcement to investigate the case ( IP address, recipient 's bank account numbers and XXXX codes ) on privacy grounds. I filed an FBI IC3 complaint and the FBI agent contacted me for this information and was shocked that Wells Fargo had not given me all information about the recipient accounts when I reported the fraud on XX/XX/XXXX. To this day, Wells Fargo still pretends that I authorized the money transfers to the fraudsters recipients ' accounts ( and thus denies indemnification ) while simultaneously acknowledging that Wells Fargo never informed me of the recipients accounts details ( and refusing to provide them now ). While the breadth of incompetence displayed by Wells Fargo is staggering, incompetence can only explain so much and it is still unclear if the fraudsters had inside help at Wells Fargo to : - gather personal and banking information about me and my ex-husband ( he has not been known to be the victim of any documented data breach/leak and yet the fraudster had his SSN ) - unfreeze the online access to my accounts a few minutes after getting Wells Fargo to freeze it. - delay Wells Fargos actions for 4 hours with regards to canceling the second unauthorized money transfer or alert the receiving bank to freeze the recipient account. Wells Fargo has been unwilling or unable to offer any alternative explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A