Date Received: 2024-02-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX and I was a victim of fraud with the scammers taking {$3000.00} this was taken from my account on XX/XX/2024. I noticed this when the amount was deducted from my account on XXXX XXXX and I contacted my bank Wells Fargo on XXXX XXXX to help me dispute my case and they said they were working on it when I went to the physical bank on XX/XX/2024 to gain access to my mobile banking account. On XX/XX/2024 I received a letter from Wells Fargo Closing my case, I followed up with the company and asked why they closed my case when I had just told them I was a fraud victim. The representative replied we approved the amount because you used your phone number. I had explained to them that the charge was made in XXXX XXXX when I told them I did not make a charge for that much money and that I was in XXXX, Texas at that time. I continued to ask to reopen my case until today I received an email about my case status and they still have it closed. After talking with another representative they transferred me to the person who wrote the email and worked on my case but they were not available and asked me to leave a message and I left a message on their voicemail. As of right now that is everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Greetings ; I was the victim of a fraud/scam and my Wells Fargo checking account was depleted. Wells Fargo refuses to take responsibility ( though representatives have apologized for the bank 's failure to protect me from fraud ). Below please see my most recent letter to Wells Fargo which gives a detailed description of what happened and explains why the funds should be restored to my account. I would appreciate any help you can provide. I need to recover my {$7000.00}. I am retired and living on a fixed income. Thank you, XXXX XXXX Wells Fargo leadership ; As a long-time, loyal customer of Wells Fargo , I am greatly disappointed about your denial of protecting me from an obvious fraud on my account. Again- for your information, please note the following : * My name is : * Wells Fargo case number : * Account number ending in : * The bank permitted an unauthorized fund transfer of {$7000.00} on XX/XX/2024. I reported this issue to XXXX on XX/XX/2024. I met on that morning with the XXXX XXXX branch XXXX, XXXX XXXX. As I previously explained in writing, the fraudsters had hacked into my account and fraudulently set up an unauthorized electronic fund transfer. They used a Wells Fargo phone number ( the XXXX on my debit card ) to communicate to me as allegedly Wells Fargo employees to convince me that I was approving a recall of a funds transfer. To be clear, I never knowingly approved any funds transfer in this matter as your letter indicates. The approval was only to recall a funds transfer. My understanding is that under the XXXX XXXX any electronic fund transfer initiated from my account other than by me is an unauthorized electronic fund transfer - even if I was fraudulently induced to approve a recall of a transfer. As I reported this unauthorized funds transfer within XXXX days, my account should be credited in full ( net of {$50.00} ). Also, please provide to me all documents used to deny my claim as required under the XXXX act. Let me know when there is a convenient time to have a follow up call to discuss restoring the funds to my account. Best wishes, XXXX XXXX ( XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received XXXX XXXX report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with XXXX XXXX XXXX or XXXX XXXX XXXX or Wells Fargo. Please advise. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Wells Fargo Home Mortgage is still sending a statement, attempting to collect, after sending a 1099c ( cancellation of debt/forgiveness )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I made an additional payment of XXXX to my loan and want to know how many payments are left on my loan for my XXXX planning. Bank XXXX doesn't provide XXXX schedule so I call their customer service. Customer service didn't answer my question or provide with an alternative for me to calculate remaining months or last payment date or a way for me to find out what would be the final date/month for this loan. I have no way to verify if my additional payment had any impact on the loan. I have no way to find if bank will continue to charge me for original XXXX months or less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In reference to Claim number XXXXClaim number XXXX claim was closed and was told that I authorized several u authorized transactions on various accounts..I 'm now learning that I was involved In multiple breaches that leacked all of my Information from passwords, accounts as well as my SSN. BREACHES includes XXXX banking as well as XXXX XXXX XXXX XXXX also I've been discovered by XXXX on the dark web for years I'm unaware of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/XXXX, I filed a claim with Wells Fargo Bank to dispute the charges unlawfully taken out of my account without my consent from XXXX XXXX XXXX. The charges that were taken out of my account were three payments of {$210.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I provided Wells Fargo Bank with evidence that the company XXXX took out the payments without any consent or notification. The bank asked me to share documents of proof that I agreed to a six-month subscription, and then they will support my claim. I shared with Wells Fargo Bank through their claims email per their request the evidence that I only signed up for a 6-month subscription, along with a statement detailing the nature of the case, emails of conversations I had with the company to request for a refund and to cancel the subscription, and statements that XXXX denied my request to get out of an unauthorized subscription and reversal of the payments. I also shared information about their unethical practices and subscription renewal traps that they fail to inform consumers of. I received a letter from Wells Fargo stating they never received the information I sent. I have proof to show that I did in fact send all of the information to the appropriate department when the claim was opened. I shared documents of hundreds of customers who have also suffered from this XXXX subscription scam and the multiple lawsuits that were taken out against this company for their shady practices. The Wells Fargo Bank failed to help me and provide protection from this scamming company after I shared with them the evidence. XXXX does not make it clear upon purchase their terms and conditions, it is not shared with the consumer through email, and it is not visible when signing up. This practice has been misleading thousands of people, and they have all suffered greatly for it. Wells Fargo still did not support this evidence although they were aware it happened to many people. I never agreed to a year subscription like XXXX is claiming, but Wells Fargo Bank stated they do not believe me and that they refuse to support or protect my rights as a loyal customer since XXXX. When I expressed to them that I have been a loyal customer since XXXX and that they did not protect me after filing this dispute and providing the evidence, they responded back that we do not care how long you have been a customer, you could have been a customer for 50 years, it is not our fault that you are in this situation, you are on your own. The Wells Fargo claims department further stated that they will believe and go along with whatever the merchant has to say, not you. They also added that In each case, they will always side with the merchant regardless of what evidence you provide. You can keep emailing all the evidence you want but we still will not help your case. They gave me false hope that they will protect my finances from fraudulent activity, and after the outcome of this dispute, they have made it clear that any Seller you are filing a dispute with will always have the upper hand when it comes to Wells Fargo and how they handle their claims. This is unfortunate how this corporation treats its long-term customers, very poor, unemphatic, and uncaring. The customer service was terrible. All banks are responsible for overseeing and protecting the money that comes in and out of a customer 's banking account and their number one goal is customer satisfaction. They have an ethical responsibility and moral duty to protect customers from any online scams and fraudulent activity when they faithfully report this to them, but in this case, it was not done. Wells Fargo does not care about their customers, and they do not value them. In addition, the people in the claims department were very rude and lacked compassion or concern for what I endured. Some of the claims representatives even hung the phone up in my face and refused to hear any of my concerns. Although I provided evidence that I was a victim of an online scam, they still denied my claim and reversed the charges back to my account after adding provisional credits. I have been wrongfully treated by the Wells Fargo Company and they failed to protect my finances from this online scam. I save my money and work very hard in my career. The money I receive is earned through my own hard work as a registered nurse. I trusted that this company would honor and protect that. I signed up for a subscription with XXXX on XX/XX/XXXX with an agreement of a 6-month subscription renewal only. They renewed my subscription for one full year from XX/XX/XXXX to XX/XX/XXXX without any consent or notification. Their website is not user-friendly, and they hide a lot of information from the users. Their practices are very deceptive and sneaky. They do not make it clear what the customers need to know, and they make it impossible to get in contact with them. None of the XXXX phone numbers worked and all they have is an email address, you always feel like you are not talking to a real person. Upon signing up, there was no information shared with me as a consumer that I would be renewed for another year. No contract is provided or made clear. Even when I reviewed my actual profile, there was nothing there. After digging for any type of policy from XXXX I found that the company states that they will ALWAYS notify a customer before their subscription is renewed but I never received that notification. I provided this evidence to the Wells Fargo bank, and they still failed to support me and protect me from this fraudulent practice. I ask that Wells Fargo do their duty by protecting me as a customer and add the provisional credits back to my account. They failed to treat me right as a customer and they failed to do the right thing. This companys practices are highly unethical, and they have clearly shown that they do not care about their customers or their satisfaction. I escalated this claim to the executive office, I spoke with a person by the name of XXXX. She was extremely rude, unprofessional, and unhelpful when handling this case. In the letter she blamed me and stated it was my fault that I was in this predicament, and I should have read the fine print for XXXX, although I expressed to this office that I was never provided with any contract or information from this company. This was included in her final letter to me. She further stated in the letter that my seeking legal advice does not exempt me from their decision of this claim. Their decision will be final, and they will not overturn the claim. Once again, I was never provided with any contracts or terms and conditions by the company XXXX that I disputed charges with. I told them this multiple times, but they are not willing to take any of the evidence I provided into consideration at all. They never tried to help me or provide good customer service. When I would request to speak to a manager multiple times, I never got to speak with anyone. The Wells Fargo Claims and department and executive office were extremely rude, lacked empathy, were argumentative and unhelpful, and did not take any of the evidence I provided them into consideration. They have poor customer service practices and they do not care about customer satisfaction. I also spoke with XXXX in the executive office team, and he was extremely rude, argumentative, and condescending towards me. I feel that Wells Fargo mistreated me and did not assist with my concerns. XXXX in the executive office sent very rude and condescending passive aggressive letters blaming me for everything instead of seeing me as a victim who was scammed and deceived by a company. This company did this to thousands of consumers, so I am not alone. They do not care about the evidence or any information I provided. I requested to speak with a manager on XX/XX/XXXX with my legal representative present, they promised 24-48 business days, and they did not honor my request. I never got to speak with anyone. They were very defensive and argumentative. This is the worst customer service I have received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Wells Fargo has been a terrible company to work with as evidenced by the recent CFPB rulings and penalties assessed. I feel like my problem with Wells Fargo has not been recognized and I am sure mine is not the only situation. HISTORY : After 14 separate attempts between XXXX of XXXX and XXXX of XXXX to modify my {$630000.00} mortgage loan ( loan originated in XXXX ) with Wells Fargo at a rate of 6.875 % on my home valued between {$450000.00} to {$500000.00} -- - {$130000.00} to {$180000.00} LESS THAN MY MORTGAGE -- - Wells Fargo, and the investor XXXX, brought foreclosure proceedings against me in XX/XX/XXXX. CURRENT DAY : Most recently in XXXX of XXXX, Wells Fargo sent me a {$200.00} check. I called Wells Fargo to inquire the purpose of the check and I was told that the check was to pay me for " errors in the calculations when modifying your loan. '' I asked for documentation SINCE MY LOAN WAS NEVER MODIFIED and I have received nothing as of today. MY LOAN WAS NEVER MODIFIED AND MY LOAN ENDED IN FORECLOSURE PROCEEDINGS STARTING IN XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/26 I received emails and calls from someone stating they were the fraud and security agent from my bank. They stated my bank and connected accounts had been compromised and I had until XXXXXXXX XXXX that evening to act before my other accounts were also compromised. They called from the same phone number as my bank. They also sent calls and texts to " verify '' their legitimate associations with my bank. They then sent text/links to both ask for access and coerce me to initiate transfers, so that a transaction ID could be generated. They stated that these transactions would be used by the bank to then reverse and cancel lost funds. They promoted me to move funds via XXXX XXXX, XXXX and XXXX. In total, these transactions were {$4800.00}. I called Wells Fargo and initiated a stop for these transactions and requested a claim be filed for these funds being lost to coercion. I opened a claim, at Wells Fargo direction, XXXX for XXXX and the other charges separately. I filed similar disputes with XXXX XXXX and XXXX. XXXX XXXX, only engaged with me with text on the app and refused to reconsider or receive my supporting documents or police reports filed. Stating only that they do not reimburse funds. They directed me to request a refund from the recipient as a way to correct. They didn't. I have persued taking to Wells Fargo, and they too stated reimbursement was not a possibility. They stated they requested the funds be returned from the receiving bank, but I have not heard neck about this. They sent me an email stating the claim was denied and closed. XXXX, did engage with me, received my supporting documents, and did reverse their decision, and will return the funds. Earlier last year, I had a XXXX breach and opened the claim process with Wells Fargo and they also denied and closed claim, taking no responsibility of my funds oversight as my banking institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained a car loan from Wells Fargo in XXXX, I paid off the loan XXXX XXXX. Wells Fargo misappropriated some of my payments and declared my loan delinquent in XX/XX/XXXX for {$450.00}. Then in XXXX XX/XX/XXXX they sent me a refund check for {$800.00}. This is similar to the lawsuit and mistakes Wells Fargi admitted when they settled with you 2 years ago. Wells Fargo did not apply some of my loan payments correctly and my account was short due to this Wells Fargo mistake. Please help me, Wells Fargo is refusing to fix this problem. The employess at Wells Fargo executive office XXXX staff told me to get a lawyer and then they will talk to me. Please contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98026
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A