Date Received: 2024-01-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Reported XXXX of a parent and execuitor. Provided dXXXX XXXX and court papers. Requested balances as of date of XXXX for the court on XXXX. Wells Fargo Rep XXXX XXXX has failed to follow up once he was told we would not be opening an estate account at Wells. Need change of address, change in execuitor and balances as of XXXX to report to court. i have also called customer service and no one follows up.Need information on CDs and Checking Acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have given multiple times to cure. I asked Wells fargo to send me the original wet signature contract between Me and Wells fargo stating I will pay the alleged debt. I have given XXXX and Wells fargo 4 months to present said contract and all I've receive was that they need more time. I demand Wells fargo be deleted permanently. XXXX delete Wells fargo from my credit report and Wells fargo 10 mins later reinsert the negative item again. My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. Wells fargo # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I recently recognized several unauthorized charges on XX/XX/XXXX and XX/XX/XXXX on my credit card statement with Wells Fargo Banking. The fraudulent charges were the amounts of {$250.00}, {$250.00}, {$260.00}, {$270.00}, {$270.00}, {$260.00}, {$190.00}, {$190.00}, {$250.00}, {$210.00}, and {$71.00} shown on my transactions from " XXXX XXXX XXXX XXXX XXXXXXXX '' and {$20.00} from " XXXXXXXX XXXX XXXX XXXXXXXX '' and {$2.00}, {$7.00}, {$6.00}, {$0.00} from " FOREIGN CURRENCY CONVERSION FEE ''. I also received a text push notification from Wells Fargo on XX/XX/XXXX notifying me if I recognize {$140.00} and {$290.00} from " XXXX XXXX '' which I replied " N '' for no. I recently called Wells Fargo immediately on XX/XX/XXXX to notify about these charges and spoke with a representative stating that these charges were not authorized by me. The representative then transferred my call to their credit card fraud claims department on XX/XX/XXXX and I talked over the phone with another representative about the charges mentioned above as fraud. The representative then closed my credit card account, issued a new credit card, and initiated a claim on these charges that I reported, and I waited several days for a response that I have received by mail on XX/XX/XXXX stating that the claim was denied and that I have " gave authority to the person or business that made the transactions in question '' which is clearly false. I never gave anyone permission and personal information from my credit card and now I have to make this report because Wells Fargo isn't helping resolve this financial crime. I recently called again on XX/XX/XXXX and spoke with another representative from Wells Fargo Credit Card Fraud Claims asking about the status of my claim and the person mentioned that it was denied. I explained to the person why this was wrong, that they made a mistake, and that these charges are still unauthorized, and they reopened my claim once again. From XX/XX/XXXX to today XX/XX/XXXX, I am still waiting for a response again from Wells Fargo about these fraudulent charges from XX/XX/XXXX and XX/XX/XXXX XXXX. I am a victim of identity theft by these unauthorized charges, and I am also requesting that these charges be credited back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Wells Fargo Bank related issue with our small XXXX XXXX XXXX. Date : XX/XX/XXXX - Checks Forged/Account Closed. Checking Account # XXXX in the name of XXXX XXXX, was compromised due to forged checks. Bank notified, transactions reversed and this account was closed on XX/XX/XXXX. All funds in the account were moved to savings account. Date XX/XX/XXXX - New Checking Account Established - New Checking Account established on XX/XX/XXXX with Wells Fargo # XXXX in our company name, XXXX XXXX Funds moved from savings to new checking account. XXXX XXXX management XXXX Wells Fargo Bank XXXX writes for 3 months to avoid further fraud. Auto payments continued, but all check writes stopped XXXX XXXX - No checks were written. Auto Payments continue. XXXX. XXXX - No checks were written. Auto Payments continue. XXXX XXXX - No checks were written. Auto Payments continue. XX/XX/XXXX - XX/XX/XXXX - First check written. - Check # XXXX, to transfer Funds from Wells Fargo XXXX XXXX XXXXXXXX XXXX and on XX/XX/XXXX - Fake Check with already Closed Account # XXXX and with False Signature presented by " XXXX XXXX from Colorado ''. - Check cashed by Wells Fargo when account no longer exists. Account already closed 3 months back.- Check Amount XXXX ( XXXX XXXX XXXX XXXX and XXXX/XXXX ) - Check date XX/XX/XXXX - Account # XXXX on check which was closed on XX/XX/XXXX - Check # XXXX Wells Fargo is refusing to reimburse this amount. We are unaware that a check using a closed invalid account and fake signature can be cashed. Our attempts to explain to Fraud Specialist and Bank Manger are of no use. - The Fraud Department does not wish to entertain request as it is more than 40 days after the statement closure hence we can not adjust
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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: Dear cfpb This is a complaint about the bad behavior of wells Fargo bank using tactics to not deal with customer disputes. Because I have had XXXX such experiences last year, this disgusting bank will delay time, push the responsibility to the customer for not providing evidence, until the case expires and gets away with it, they will change back from the merchant, and then tell the customer that this dispute failed because you did not provide evidence, thus embezzling these funds. Wells Fargo bank opening fake accounts, manipulating mortgage loans, charging unjust fees, and other illegal activities. This time I encountered the same problem, raised a dispute again, after XXXX months of no reply, I called to inquire today, the customer service actually asked me you did not provide evidence, please tell us the information. They are going to use the same means to embezzle the funds of customers and merchants. I hope the authorities intervene and give a severe crackdown. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am including a copy of the letter submitted to Wells Fargo, and the response from the company for your review. On XX/XX/2023, I contacted Wells Fargo about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call Wells Fargo with this request to increase my credit balance, and subsequently, my XXXX XXXX. During the call, I was told that Wells Fargo would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, Wells Fargo has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to Wells Fargo on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. On XX/XX/XXXX, I received a response letter from Wells Fargo. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that Wells Fargo determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that Wells Fargo considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than Wells Fargo 's chosen language that a credit report " may be necessary '' is deliberately misleading if Wells Fargo 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Dear cfpb I am writing to express my dissatisfaction and anger over the recent data breach and misuse of customer information that occurred at your bank. I am one of the millions of customers who were affected by this incident, and I demand a full explanation and compensation for the harm caused to me. According to the Consumer Financial Protection Bureau ( CFPB ), your bank illegally assessed fees and interest charges on auto and mortgage loans, wrongly repossessed cars, misapplied payments, charged surprise overdraft fees, applied incorrect charges to checking and savings accounts, and improperly froze some accounts [ ^1^ ] [ 1 ]. Moreover, your bank accidentally leaked confidential information about tens of thousands of your wealthiest clients to a former financial adviser who subpoenaed the company as part of a lawsuit [ ^2^ ] [ 2 ]. Additionally, your bank mistakenly provided personal information of some customers, including their names and social security numbers, to another customer while processing stimulus payments [ ^3^ ] [ 3 ]. These practices are not only unethical and irresponsible, but also illegal and in violation of various consumer protection laws. As a result of your negligence and misconduct, I have suffered financial losses, emotional distress, and increased risk of identity theft. I have lost trust and confidence in your bank, and I feel betrayed and violated by your actions. I request that you take immediate and effective measures to remedy this situation and prevent any further harm to your customers. Specifically, I ask that you : - Provide me with a detailed account of how and why the data breach and misuse of customer information occurred, and what steps you have taken to secure and protect the data. - Refund me any fees, interest charges, or other costs that I have incurred due to your errors or misdeeds, and correct any errors or inaccuracies on my credit report or account statements. - Offer me free credit monitoring and identity theft protection services for at least two years, and reimburse me for any expenses that I may incur to safeguard my identity and credit. - Apologize sincerely and publicly for your actions, and commit to improving your policies, procedures, and oversight to ensure compliance with the law and respect for your customers. I expect a prompt and satisfactory response from you within 10 business days. If I do not hear from you by then, or if I am not satisfied with your response, I will take further action, including filing a complaint with the CFPB, contacting my state attorney general, and seeking legal counsel. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Several unexplained overdraft fees. When I went to pull money out of my account they closed it and took all the money in my account. They claimed I owed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95050
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/, my husband who is also an account holder on this checking/saving account tried to use his debit card to pay for a work related purchase near where we live His card declined, so he checked the balance on our Wells Fargo app and noticed several charges in XXXX, XXXX XXXX , XXXX XXXX XXXX , and on other websites. He called me as he was needing XXXX XXXX for work and could not stay on a long call with the bank at that exact moment. I called Wells Fargo to report the fraud and cancel my husband 's card. There were 22 charges, totaling that drained our account. A claim was opened and my husband was also able to call in to validate some information with the bank that was requested. This was all done and the card cancelled within just a couple of hours of the charges occurring. I called to check today, XX/XX/XXXX on the progress and was told that {$530.00} and some change of those charges were not fraud as the pin was used and we must have given it to someone. The bank would not tell me how they concluded this as the charges were out of state and during the same timeframe. They offered only to send a letter explaining and told me to file a police report but that Wells Fargo was done with the matter. I would like my {$530.00} back as these charges are fraudulent and were unauthorized and my bank did a poor job or stopping any of this activity or notifying me of anything occuring. I do not believe this is an appropriate solution. I will be filing a local police report as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56001
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A