Date Received: 2024-02-29
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have XXXX loans for home furnaces combined into XXXX account XXXX with Wells-Fargo Bank . XXXX is a non interest loan that started in XX/XX/XXXX with about XXXX automatic payment left. The second, I had to pay off in XXXX months from XX/XX/XXXX or by XX/XX/XXXX to avoid interest payments. I have been paying them both using automatic withdrawal payments from my account ending in XXXX. I attempted to make the last payment for them XX/XX/XXXX with {$2900.00}. However, I mistakenly gave the lady over the telephone the wrong account number for the payoff, XXXX. She did not ask me if I wanted to use the same account, XXXX, or mention that I was giving her a different account number. They also did not email me any confirmation so I can visually see what I had done. It was not until XX/XX/XXXX, that I noticed there were attempts to take {$2900.00} out of my unintended account, XXXX, XXXX. Thinking that I had given them the correct account on XX/XX/XXXX, it took me awhile to figure why that unintended bank account XXXX had XXXX {$2900.00} entries as Wells Fargo attempted to retrieve the money instead of calling, texting, or emailing me that there was a problem. There were also XXXX {$28.00} charges that later found out were credit union insufficient fund charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with 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 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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My car was broken into and my purse was stolen on XX/XX/XXXX at which time I was contacted by the fraud department at Wells Fargo. They closed the card immediately. I assumed they would send another one but when I hadnt received one by the next week, I called in and they sent one out. I never received the card therefore I NEVER ACTIVATED or used the new card except through XXXX XXXX, which they electronically uploaded to my phone. A few days later awakened to a {$500.00} charge that was made at an atm I have never been to. I immediately called and reported it. They told me it would be ten business days before they could resolve it. I received a letter today stating they have determined it to have been me or someone I authorized to use the card. THE CARD I NEVER RECEIVED THEREFORE I COULDNT HAVE ACTIVATED!!! My money should be protected in a bank, instead they are accusing me of taking my own money when technology should prove that Ive neither received nor activated the card. I need help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My personal and business account were fraudulently accessed and drained. Wells Fargo gave me multiple different contradictory explanations on what had happened. I spent over 15 hours on the phone with a fraud supervisor going over all transactions and confirming all fraudulent transactions. I was told my accounts ( after they had been drained to {$2.00} and {$55.00} ) suspended but 2 days after they were " closed '' they allowed whoever had gained access to draw another {$5100.00} out taking me into the negative, even though I had overdraft protection OFF. I have spent around 65-70 hours on the phone with Wells Fargo along with 4 trips to a branch and have gotten nowhere. I was refunded {$3600.00} but am still owed {$8400.00} and they have denied the claim and said the in bank checks were authorized by me, which is 100 % false. Due to the extreme incompetence of multiple employees when my case was reviewed a complaint was started by the banker and it was escalated to the executive office. They did call me and stated they planned to have a resolution within 24 hours, and promised me a return call that afternoon. Instead of returning the call, they sent me an email stating they needed to do more research and would get back to me by XX/XX/XXXX. This case was started on XX/XX/XXXX. I have been promised so many things by Wells Fargo and they have no came through on any of their promises. I am getting the complete run around. I was assured that the in bank checks that were fraud was part of the initial claim and they were not, even though I had reviewed them 3 times with 2 different fraud bankers. After finally getting a new claim number for the fraudulent checks I called multiple times for an update and could never get in touch with someone that could help but was assured someone would call me. Of course nobody has ever called but I got a letter today saying my claim has been denied and closed as the checks were authorized by me. This is 100 % false. I was not even called by an investigator and asked about this. If they were done in the bank as they say they should easily be able to check the branch location and footage and see I had nothing to do with it. The 5 fraudulent checks are XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XXXX, XXXX, and XXXX. I have called to dispute the closed claim and was told the investigators do not accept phone calls and the employee in fraud told me since the claim was denied there was nothing she could do to help me. This entire situation has been unbelievable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with 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: I had some fraud happen on my Wells Fargo checking totally XXXX for XXXX. This is a lot of money and Wells Fargo basically been telling me to XXXX XXXX The person that handled my case gave me his number but for the past 3 days it just been leaving me to voice mail. And when I try to call the regular Wells Fargo number they keep transferring me back and and fourth just to hang up on me. Then this other lady told me the other investigator said it will take 120 days and they still havent gave me provisional credit! Under the fdic and laws they need to give me provisional credit. I would like the cfpb to retrieve my money back! I also am gon na go to the biggest news outlets and post this all over social media! This bank is a total scam! And they arent following any fdic impose rules!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have 2 ATM transactions that I did not make on my debit card, when I submitted the claim, wells fargo denied my claim because " this transaction was made my putting the card into an ATM and using the PIN. '' I understand that, but I did not physical nor otherwise make those transactions. One was done in another city when I was not there. I called and tried to dispute and was denied again. So I requested an escalation and was told my complaint would be submitted and responded to within XXXX to XXXX hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XXXX, I had my first bank account with Wells Fargo XXXX XXXX, MI. I didn't know about contacting anyone for help or what to do. Before my account was in the negative, I noticed several overdraft charges that put my account into the negative followed by a few charges that would have been covered had I not been charged. I then received even more overdraft charges which led my account to become around {$400.00} overdrafted. The teller at the bank could not help and simply sent it for " review ''. In the end, they wrote off the negative balance and closed my account, but never paid me back the amount that was taken before the first round of wrongful charges. I lost my home because of this. I was a homeless XXXX XXXX XXXX in a state with no family and nowhere to go because of this. I ended up XXXX after XXXX XXXX because I was homeless with nowhere to go. Recently, I tried reaching out to Wells Fargo online to ask about getting reimbursed the amount that was taken, and I was very polite about it. I got a case number but then heard nothing else from them. Last email I received told me to log into my account, but I no longer have an account for obvious reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I called to create a dispute with the Wells Fargo company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their XXXX period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of Wells Fargo, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19061
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get Wells Fargo and XXXX XXXX XXXX who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to Wells Fargo and a 1099C to XXXX. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now Wells has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX XXXX on XX/XX/2022 Paid the charge off.XXXX XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX XXXX XXXX account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A