Date Received: 2024-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted a claim and they said I would receive a refund check in 20 days Its been 40 days a no refund I called and now they said there is a delay I ask how long is the delay and they said they cant give me a update at this moment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I reported fraud on my account from online charges. I noticed it XX/XX/XXXX but when I searched my transactions, I found this company had charged my card several times in the past month. XX/XX/23 {$22.00}, XX/XX/23 {$37.00}, XX/XX/23 {$34.00}, XX/XX/23 {$36.00}, XX/XX/23 {$37.00}, XX/XX/23 {$68.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$69.00}, and XX/XX/23 {$95.00}. Wells Fargo is saying my claim was denied and it wasnt fraud because I should have noticed it sooner. I was never alerted of fraud and they were small amounts each time so I didnt notice them. If all {$680.00} would have come out in a single day/ transaction, I likely would have noticed. But I find it hard to believe they are claiming its not fraud because I didnt notice it quickly enough. Is there a policy stating how long you have to notice/ report for it to be classified as fraud? As a 20 year customer with Wells Fargo, Ive never reported fraud and would never imagine they would deny a fraud claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I am writing this letter to have the following information deleted off of my file.I am a victim of identity theft. I ask the items be delete and my credit report to be updated correctly. Ive reported the theft to the federal trade commission 's identity theft affidavit. Please resolve the problem asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have discovered unauthorized, fraudulent wire transfers and unauthorized fraudulent withdrawals from two of my bank accounts, that I am reporting under the ( Electronic Funds Transfer Act. ) Regulation ( E. ) And ( J. ) For an adjustment back to my current account. One account has since been closed, the other account is still current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: Around XXXX XXXX XXXX, I booked an appointment with a photographer with XXXX XXXX in XXXX XXXX for {$210.00}. At the time I did not live near the photographer, and I had to reschedule the shoot. She said it was fine, and would hold onto the money, and in the future would provide me with a shooting whenever I could be in town. She then continued to string me along for 6 months, and without warning nearly doubled the price of her bookings, and when it came time for our booking ( that wed agreed upon in advance ), she didnt want to provide me with a refund, or a half-booking since I couldnt pay the full price. I am a college student, and was initially drawn to her because of her low pricings for couples photos. I tried to get the money back through the bank, however they ended up rejecting my claim and retracted my provisional credit. Ive had a XXXX XXXX for quite some time that has left me out of work and now my account is negative, and the bank ( Wells Fargo ) says there is nothing they can do. I am hoping to get the money back directly from the photographer, and I have text receipts to corroborate my story.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a Wells Fargo Debit Card. I took out {$60.00} from an ATM. There was a {$3.00} fee for taking money from a non-Wells Fargo ATM. However, Wells Fargo has also hit me with a {$2.00} Non-Wells Fargo ATM Transaction Fee and another {$2.00} NON-WF ATM BALANCE INQUIRY FEE. That totals {$8.00} in fees for taking cash from a non-Wells Fargo ATM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/XXXX, I had fraudulent activity on my checking account/debit card. Wells Fargo Bank put a stop payment/closure on the card and issued a new replacement card. The problem is that as of XX/XX/XXXX through to XX/XX/XXXX, Wells Fargo has allowed a credit from XXXX XXXX to come through all those months against the old card number that was on file with XXXX. XXXX submitted for payment on card ending in XXXX, yet my statement charged against my new card ending in XXXX. I never changed the card information on the XXXX website because frankly, I forgot I had an account with them, and also had a new laptop that no longer needed the XXXX XXXX. I had other charges from companies I neglected to change or forgot about email me about failure to process payment. However, it appears Wells Fargo went ahead and allowed the funds to come out of my new debit card. Had they not, I would have received a notice from XXXX in XX/XX/XXXX, I would have canceled at that time. The representative on the phone with Wells Fargo said that there are times when backdoor transactions are possible. I freaked out! I could see he tried to backstep on his statement. He then transferred me to the Fraud Department. I refused to allow my current debit card to be frozen because of their error. I am making an appointment to go into a local Wells Fargo Bank. I never used the services from XXXX since that laptop was destroyed, and my new laptop came with a full XXXX XXXX XXXX
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: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was charged {$570.00} as a deposit from XXXX XXXX XXXX on XX/XX/23 and have contacted both XXXX and Wells Fargo about the funds being returned. The funds were supposed to be returned as XXXX days after rental return. I contacted XXXX and they said they have no say in it and advised me to contact Wells Fargo about the situation. I contacted them and have had the claims process started, no information has been given past an email I recieved on XX/XX/23 informing me the process has started. I would like to see if I can have the charge returned to me or have this looked into to make the process go faster than a XXXX XXXX. Their website saying within XXXX days hasnt been met and I am still missing the {$570.00} from my account. Attachment XXXX is the withdrawl for the deposit Attachment XXXX is the charge without the deposit ( from XX/XX/23 ) Attachment XXXX is the charge with the deposit ammount ( XX/XX/23 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called Wells Fargo for fraud going on live time with my account. I was transferred to Fraud dept. The guy/woman I think named XXXX verified the claim was submitted by CS. Told me a new card was being resent to me as we speak and it would be 7 days. He told me I could go into the bank and write a check to get money and survive until the card arrived. I told him the criminal illegally wiped me out and I have a negative balance. A hot check was illegal. He told me nothing else could be done because the transactions were still pending. I asked why would they allow the transaction to post and give the criminal my money but make me suffer vs. stopping the transaction before posting it. No Answer. I asked again and he loudly spoke over me ; so I loudly spoke over him to ask my question a 3rd time. I know they can reverse a transaction because they instantaneously did for one by the criminal today. He told me I was rude and asked if I wanted his help. I said yes I do, but if you are not going to answer my questions then get me your manager or boss. He again yelled that I spoke over him. I told him I had to speak over him because he would not shut up and answer my questions. I asked to speak to his boss then told me the conversation was over and hung up. I called back and spoke to XXXX who read from a script and repeated stated the claim was processed and Fraud is handling it. The same fraud dept that hung up on me? Im supposed to trust them? How does an XXXX person with XXXXXXXX XXXX ; no means of money or gas or food/water survive while they play thumb wars for 10 days. Again, I was told the claim was processed and they are working on it. So I asked the same question ; why would the first guy tell me to go to a bank location and write a check off an account with a negative balance after someone wiped out my account down in XXXX? Does Wells Fargo want me in jail? Is this how they treat all customers who call to report fraud? They simply hang up on us instead of helping? So now I have to wait 10 days with XXXX money ; no food ; no gas ; no means of survival because the Fraud and customer service groups at Wells Fargo refuse to answer or help me other than tell me to wait it out. Wells Fargo acts like they care very little for their customers as I have seen a 36 % customer service rating. After how I was treated, I would give a 0 % rating. I am leaving this bank after being a customer for near 30 years and my account being hacked 3 times in last 10 years. They have a security problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Called Wells Fargo on XX/XX/XXXX to report a fraudulent ATM withdrawal of {$200.00} that occurred on XX/XX/XXXX. The claim was promptly denied within a day without notifying me, because the ATM company and Wells Fargo determined there were no signs of fraud on this transaction. I tried reopening the claim via phone on XX/XX/XXXX after filing a police report. They never asked me for a copy of the report and continued to deny my claim within a few hours, stating there are no red flags on the withdrawal. I pointed out that the withdrawal happened at an ATM that is 4 hours away from my home as listed in my bank statements. This is a red flag on its own because the only ATM withdrawals I have made in over a year were withdrawn in the city I live in, no where else. There was also a charge for {$2.00} at this ATM for a balance inquiry, which is another red flag because I have never made a balance inquiry at an ATM in the entire history of my account with Wells Fargo. I don't need to check my balance at an ATM for a fee if I have the app on my phone that costs nothing. I also never received a security code on my phone to deny or approve this transaction which is supposedly is their way of protecting me from fraudulent purchases, according to their own website. On XX/XX/XXXX, Wells Fargo encouraged me to pursue further investigation through a 3rd party as they have " exhausted all of their resources '' after only looking into my case for a few hours and refusing to consider the many red flags that entail this withdrawal was in fact fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A