Date Received: 2023-12-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 I contacted WFB Fraud Department reporting XXXX ( XXXX ) fraudulent charges on my credit card ending in XXXX in the amounts of {$430.00} and {$240.00} from XXXX on XX/XX/XXXX. WFB initiated claim # XXXX and cancelled my credit card ending in XXXX WFB subsequently issued credits to my credit card my in the amounts of {$430.00} and {$240.00}. XX/XX/2023 WFB reversed the credits to my credit card in the amounts of {$430.00} and {$240.00} I contacted WFB Fraud Department and the representative offered to contact XXXX while I was on the line, indicating that he would have to drop off once an XXXX representative was on the line, and instructed me to call back with XXXX response. The WFB representative successfully connected with an XXXX representative and subsequently dropped off the call. Upon researching my account, I was informed by the XXXX representative that the charges in the amount of {$430.00} and {$240.00} were not made on my account and followed up with an email ( Attachment A ) stating as such. XX/XX/2023 I received a letter from WFB Claims and Recovery dated XX/XX/XXXX stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment B ) I contacted WFB Fraud Department and spoke with a representative that informed me that I could mail a response to the following address : Attn : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment C ) XX/XX/2023 I received a letter from WFB Claims and XXXX dated XX/XX/2023 stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment D ) XX/XX/2023 I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment D ) XX/XX/2023 WFB charged my credit card in the amount of {$98.00} on the disputed balance of {$670.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 my Wells Fargo Credit Limit was lowered from {$10000.00} to {$8900.00}. I have been a loyal Wells Fargo Customer for over 8 years and have NEVER missed a payment nor have I ever made a late payment. These past XXXX years have been a struggle financially everywhere and I have still been able to maintain a 100 % on time payment percentage. This 10.5 % drop in my open credit line will drop my credit score drastically. I recently paid nearly {$1000.00} to lower the balance owed and Wells Fargo immediately stripped that away. I monitor my credit score through Wells Fargo and it recently went up so I find this to be an unwarranted drop in my credit line. I am only asking for my credit line to be restored to it's {$10000.00} limit to avoid my credit score going down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: The CFPB allowed the respondent to the consent order ( Wells Fargo ) on administrative proceeding file no. XXXX to dictate the affected consumer 's validity and redress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX check, written out to me for an unfortunate occur XX/XX/2019 auto accident, compel about {$5000.00} worth the vehicle repairs, was issue to me, and mine primary prospect attend Auto Body Mechanic ; Both names were printed on the check, although soon before, I did in fact, cancel the mechanic work performs regards the " primary shop mechanic '', and since there invoice for attention correct costs apply were malfunction. In order later, after the check was issue to me arrived me physical juris., I thought to save time and further inconvenience, apply make new check, at aftermath, shop malfunction event, regards " new chosen vehicle mechanic '', " have the check that was already issue, now, mine possession, " deposited '', into mine bank account, ... withdraw the funds when check clears, and then of just withdraw cash money, physically pay the new auto mechanic '' ; Sirs, after the approx. almost XXXX, check was in fact " cashed '', I did go and withdraw smaller amount of the exclaimed available funds, cash, and then soon later, attempt to gain the remainder, in order to complete pay the new mechanic at facility locate close by, off XXXX XXXX, XXXX, XXXX, as for then, unfortunately the bank informed me that relevant already cashed check had not been honored, and an " hold '' was placed on my account. I was caused XXXX, and upset at professional business to loss, by this unfortunate Well 's Fargo Bank 's malpractice event ... '' I call robbery '', by them, since Wells Fargo exclaim `` already clear '' that " insurance check '', provide me cash money, and allow relevant remain money register mine checking or savings account, then claim contrary matter, you ... '' mistakenly '' " cleared '' my check, ... Now then, 2019 you at Wells Fargo steal my money back. This cruel, and unusual, act by Wells Fargo, was outrageous and is unlawful, and now after XXXX XXXX military service detour, allows me be fit ready to further accommodate this acts of robbery by Wells Fargo, I must do so, ... and further request for here assistance by complaint administer to yours Sirs, CFPB, allow enforce justice to here obvious banking, crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, 2023, XXXXXXXX XXXX You sent Is your XXXX XXXXl XXXX still available for adoption? You sent has XXXX gotten a new home yet? if not I would like to adopt her! XXXX XXXX XXXX You can now message and call each other and see info like Active Status and when you've read messages. XXXX XXXX XXXX XXXX You sent How much is she and do you ship tp XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You sent I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX. My XXXX does not know how to play because we had an older XXXX that did not allow playing. He died last year. I read it is best to have 2 XXXX as they play together well. I live in XXXXXXXX AZ. But I will be picking up my kids in XXXX this Wednesday from XXXX 's house. I am XXXX XXXX XXXX and newly retired. I have had pets all my life. We live on XXXX acres. No, I do not want to breed. Yes, all my furbabies are very spoiled and they sleep with me. They also have their own beds for afternoon naps and a big toy box of toys. We have a very large fenced yard. My XXXX XXXX XXXX XXXX all provide love and attention to our XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You sent I do not have cell phone coverage in XXXX so I can not get a text until I am closer to XXXX. Do you take XXXX? Wednesday would be good since I will already be down there. It is a 3 and a half hour drive for me to get to XXXX. XXXX XXXX XXXX You sent I don't know what XXXX XXXX XXXX XXXX is You sent I do not have an XXXX product. You sent I will ask XXXX what XXXX is XXXX XXXX XXXX XXXX You sent XXXX says I need to use a cell phone to pay XXXX XXXX XXXX You sent I can send you the money thru XXXX. All I need is your email address. XXXX XXXX XXXX XXXX XX/XX/XXXX 2023, XXXX XXXX You sent I can't get ahold of anyone from XXXX today. I will try tomorrow or I can drive down the road tomorrow and see if I can get XXXX to work. XXXX XXXX XXXX XXXX XXXX XXXX, 2023, XXXX XXXX You sent I couldn't get XXXX to work so I signed up for XXXX. I can pay that way. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023, XXXXXXXX XXXX You sent I finally got it to go thru. The computer logged off before I got back with the code, so I had to do it again. I had to drive down the street to get cell service. XXXX XXXX XXXX XXXX XXXX You sent Your transfer was sent on XX/XX/XXXX/23 at XXXX XXXX Pacific Time. Send To XXXX XXXX Send By Email XXXX From Account XXXX XXXX XXXX XXXX ( Available balance = {$800.00} ) Amount {$700.00} Delivery The money will be available in XXXX 's account typically in minutes. Your Email XXXX Confirmation Code XXXX *A confirmation has been XXXX XXXX XXXX XXXX XXXX what is XXXX? XXXX XXXX XXXX You sent what is XXXX? Someone replied to you XXXX XXXX XXXX You sent will you have time to ship the puppy Wednesday morning? XXXX XXXX XXXX You sent fantastic! XXXX XXXX XXXX XXXX XXXX, 2023, XXXX XXXX You sent Will you be able to let me know what time the flight comes into XXXX, AZ with my new XXXX Wednesday sometime today? That way I know what time to leave home in the morning to get there. It takes me 3 and a half hours to drive there. Thank you. XXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023, XXXXXXXX XXXX You sent Do I need a tracking number to pick her up? XXXX XXXX XXXX You sent okay thank you, I can't wait to meet her. I know XXXX will love her also. She can teach him how to play. XXXX XXXX XXXX XX/XX/XXXX 2023, XXXX XXXX You sent I forgot, I also need the arline name and flight number. Thanks so much! XXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023, XXXXXXXX XXXX You sent Good XX/XX/XXXX2023, XXXX XXXX You sent Did you get a flight today for the puppy? XXXX XXXX XXXX You sent Okay that will be fine XXXX XXXX XXXX XX/XX/XXXX 2023, XXXXXXXX XXXX You sent Hope everything turned out okay yesterday! XXXX XXXX XXXX You sent Sounds good! XXXX XXXX, 2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX You sent Thank you. XXXX XXXX XXXX XX/XX/XXXX2023, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023, XXXX XXXX You sent XXXX why do they need to reach me? XXXX XXXX XXXX You sent That is my home number which is XXXX XXXXXXXX and it only rings when the computer is on. If they want to contact me right after I get XXXX at the airport, they will need my cell number which is XXXX. XXXX XXXX, 2023, XXXX XXXX You sent Is she flying in tonight or tomorrow? XXXX XXXX XXXX XXXX You sent It is XXXX XXXX It takes me 3 and a half hours to get to XXXX. When is the flight coming in? What is the flight number and carrier? You sent I have not received any calls. I tried calling the number from the logistics from above and it is just a message machine, no person answers. You sent How am I supposed to pick her up when I have been given no information on how to do so? You sent Please tell me what to do! You sent I need to get my puppy! You sent I don't know where to pick her up You sent They just called me and this sounds like a scam. I need my puppy, I don't like playing games with this scam company. You sent They hung up on me when I was trying to find out how to get my puppy You sent I have picked up a puppy from the XXXX airport before and I did not have to go thru this mess Sent This person is unavailable on Messenger. XXXX/XXXX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} Wells Fargo authorized XXXX on my account and will not return my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was informed in person on XX/XX/2018, by Wells Fargo bank agent, located at XXXX, Ca. that mine professional business bank account, " checking '', jurisdiction, relative mine business, XXXX XXXX XXXX XXXX ; XXXX, was missing, from Wells Fargo Bank relative matter records, and that there was reason to close the account, surrender mine business banking card ( s ), and re-open a new account ... '' I was in state of shock '', and naively continue therefore as she, the Wells Fargo Bank agent prescribed me to do so... Later, after I did come to think about all the problems that were suggest by this unbelievable Wells Fargo Bank 's malfunction, such as for regards all mine recur payments, prescribed by me attach to my business banking card, and therefore fact that I would have to contact all relevant associate those business agents, inform them of the new business banking card number ... '' I became very upset, and occur me XXXX, upset mine XXXX XXXX diagnosed, XXXX XXXX XXXX, compel me use my XXXX XXXX prescribe medications, includes XXXX, for appropriate relief from discomfort and hyperventilation occur me, I maintain a loss of normal breathing because of this event cause much problems, Wells Fargo did cause, even includes Wells Fargo failed even replace the " correct money '' that was lost with account records, XXXX XXXX XXXX XXXX ; XXXX did concern about exceed {$3000.00}, from abroad moderate business administer was available me at that begin time of XXXX & XXXX XXXX XXXX XXXX XXXX professional business, the parent company, to XXXX at jurisdiction, both be mine , professional legal business ', at Dba. jurisdiction concerns them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Date : XXXX XXXXo : XXXX XXXX XXXX / XXXX XXXX Subject : Wells Fargo Case number : XXXX Account number ending in : XXXX Checking account : XXXX ; Join account under XXXX and XXXX XXXX Saving account # : XXXX. Join account under XXXX and XXXX XXXX Brokerage Account # : XXXX Under XXXX XXXX, XXXX did not open this account before. Dear Sir : On XXXX XXXX XXXX, without knowing the situation, My account in Wells Fargo bank was hacked by a hacker, who open a brokerage account under my name. The hacker transferred all of my savings account 's money to purchase XXXX shares until I got an insufficient funds notice from an e-mail from the bank around XXXX XXXX XXXX Immediately I reported to Wells Fargo Bank and told the claim department lady, that I did not open a brokerage account with Wells Fargo Bank. The existing stock share was not purchased from me and did not belong to me. The claim or brokerage account lady told me I have to make up existing insufficient debt. I did not agree to that and told them those stocks I did not own that because I had not purchased them before. Later on, my account was locked and I went to XXXX for my mother 's XXXX XXXX and took care of her health until back time on XXXX XXXX XXXX I tried to contact the Wells Fargo claim department for details. They told me my case had been investigated and closed as shown in the letter on XXXX XXXX XXXXXXXX They said all of the communication devices were identified such as IP, phone number, etc. That is why they closed my case. I am totally against their conclusion based on the following reasons and request your organization to investigate my case : XXXX Who set up my brokerage account with the wrong phone number connection under my brokerage account profile? XXXX. Over-action from either the brokerage account department or claim department without notice of my claim. They took out all of my money from my savings account to cover that insufficient debt in the brokerage account which was under my name. At this period, my account still was locked from Wells Fargo Bank. So far, I do not think I still own this brokerage account. They should not have the right to take my savings account money to cover their debt. XXXX. In the IP verification sheet, it was received on XX/XX/XXXX. This sheet was mailed on XX/XX/XXXX letter, there are too many wrongs such as IP address and others. IP address and ISP, State, City, and online Login history are wrong. I did verify with XXXX XXXX XXXX, XXXX XXXX, XXXX, my public IP is XXXX. It is not XXXX as your sheet listed in attached file XXXX Address XXXX. For the other company, XXXX XXXX XXXX XXXX, I did call the customer service department with XXXX XXXX, XXXX. She did check her company file and told me they did not have any service in my area. The other listed company XXXX XXXX XXXX uses XXXX for internet service which we did not have use XXXX before. So far, XXXXXXXX XXXX XXXX was my home previous internet service company in XXXX. The current internet company is XXXX XXXX which also served us this whole year already. XXXX. User Agent with XXXX ( XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX, like XXXX. XXXX ) I n my home desktop computer, I do not have any XXXX XXXX XXXX XXXX XXXX as shown in your user agent. XXXX available browsers are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Wells Fargo Banks " Righ to Documentation Package Contents '' in this sheet, see attached file XXXX XXXX. My home internet company was XXXX XXXX running from XX/XX/XXXX to current time XX/XX/XXXX. I did not change the internet provider XXXX XXXX. So the IP public address should be XXXX, and the location should be in XXXX XXXX XXXX XXXX as shown in the " Online Login History '' sheet, as shown as the file on XXXX XXXX I have no idea why you list so many different IP addresses with XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX in different locations. I am not sure about the terms, XXXX XXXX XXXX XXXX XXXX. Do those terms are shown in your bank system? Once people access your system, the number shows up automatically. If that is true, that is your bank security system problem. At least the IP address and, and ISP is not from my side. Do you need to verify where it came from? I will continue to fight this case to recover my loss. Also, I believe bank security problems should not count as customer responsibility completely. Conclusion : I did request detailed device connection information from Wells Fargo Bank. There are a few points that are not right such as 1. The Brokerage profile listed the connection phone number as wrong, which I did not see before. XXXX. IP address XXXX is different than my computer 's public IP XXXX. XXXX. All list of IPSs companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are wrong which I did not use before. The user agent through XXXX was wrong too. I did not use the XXXX browser before. XXXX. The important thing is who allows people to open brokerage accounts with the wrong profile phone number under my name without my permission. Wells Fargo bank was designed to run savings and checking accounts purely without playing any brokerage accounts. Customers opening savings and checking accounts in Wells Fargo bank is based on trust, and believed that security protection technology should be the bank 's responsibility. There is no reason to ask customers to run security designs or set up devices for bank security systems. Please help me to invest this case and get back those lost money from bank. Thanks. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Over a six week period beginning in XX/XX/2023, numerous eWithdrawals made totaling {$3100.00}. Noticed the problem and informed Wells Fargo on XX/XX/XXXX and submitted fraud reports by telephone. Claim for {$2400.00}. Two more fraudulent withdrawals were made following my reports, and I submitted a claim for these. Claim for {$700.00}. Wells Fargo Fraud claims department said that they would handle things by the end of today XX/XX/2023. Today ( XX/XX/XXXX ) I learned that Wells Fargo has denied the claims. I had to telephone to discover this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Yet AGAIN! Wells Fargo tried to put Insurance on my ELOC with them equity line of credit therefore needs no insurance but I have my mortgage company is XXXX XXXX and they provide the insurance through escrow so there's no need for Wells Fargo to put Mortgage on ELOC and there's only an {$8000.00} balance but they show {$11000.00} on my credit report & several times I've asked them to fix that to no avail! I believe Wells Fargo are criminals & moving forward I wish I didn't have to do any more business with them! I would like for them to turn this ELIC over to XXXX XXXX, my current mortage co!!! again they try to say it's a second mortgage is not a second mortgage which gives them the right to just change my ELOC to a second Mortgage saying yes so now we can put insurance on it. That is just XXXX. They should not have put insurance on my ELOC at Wells Fargo, but they always do now they're messing up my credit they're messing up my credit score, they have False implications in there. I have showed them the proof of insurance. My current insurance was from XX/XX/XXXX to XX/XX/XXXX so they have no reason to put any insurance on my ELOC. Now they think I owe them {$1000.00} no, I say no if they pay some insurance that's their fault they should apply it back to the end of my loan. They should never have applied insurance on an ELOC in the first place. Please help It's the same thing I complained about a couple of times before.
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: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Wells Fargo closed my account after there were frauds that were made on my account. I ended up losing {$2000.00} and {$1300.00} from a merchant Called XXXX. They were unwilling to follow after XXXX and get my funds back so I ended losing {$2000.00} dollars. They did not investigate regarding the XXXX dollars and reversed it because I took all my money out of my account. Can you guys please help me with Wells Fargo because they are trying to keep my account at negative XXXX after my account been scammed and they are not helping me recover the funds. They are the worst bank their customer service was the worst and they look at their customers as XXXX always instead of helping them. The claim never had a final resolution they are only reversing everything because they told me to take out my money out of my account before the XXXX of XXXX which I did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A