Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I made two deposits at the XXXX XXXX XXXX XXXX XXXX Nj XXXX ( because I had a lot of bills I made two deposits but I would have liked to make a single deposit of {$3400.00} ) the first deposit I made was {$1100.00} and The second deposit was supposed to have been {$2300.00} ( which was the amount of bills I kept from the first deposit ) now ... the ATM only took the amount of {$1100.00} and the other bills were not returned to me. I made the complaint to the Wells Fargo complaints department and they made me a provisional deposit of {$1200.00} and then after 10 business days, they took back that provisional deposit and sent me a notice that I had not won the complaint. I requested a review of the case, and they told me they had already done the investigation and that day there were no leftover bills at that ATM. That was the reason why the complaint had not won. I complained to management again asking what was going to happen with my missing {$1200.00} and they said they couldn't do anything for me this time. So it's been four months and they still don't give me a solution every time I call they said sorry we are not able to help you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo fraud department failed to protect our business checking account from a fraudulent transaction made on XX/XX/. It was a XXXX XXXX XXXX bill in the amount of {$180.00}. We immediately reported this to the Wells Fargo fraud department. A couple of weeks later, we received a letter saying that they completed their research and declared our case closed resulting in Wells Fargo not restoring the {$180.00} back into our account. We called them back to dispute this decision. They informed us that someone in their customer care department lumped the XXXX dollar transaction with a XXXX transaction and other transactions which we did not dispute. So since the other transactions were legitimately made by us, they closed the case. We think it was wrong for Wells Fargo to combine the legitimate transactions with the one fraudulent transaction in considering the resolution of our account. It makes no sense to combine these transactions. Its not like I paid or anyone could pay XXXX XXXX XXXX XXXX at the same time with one swipe of my card. We only disputed the 1 XXXX XXXX bill. This is beyond our control. The Wells Fargo fraud department and their customer care department have worked together against us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I received a check for {$200.00} from Wells Fargo for : " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' They owe me much more than that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Approximately one month ago, I received a credit card I did not apply for from XXXX XXXX. I called and reported it and they sent me a letter stating that the account was cancelled. XXXX XXXX I received notification from Wells Fargo XXXX XXXXXXXX stating they needed more information for a credit card I did not apply for. I called them both, reported the fraud and it was cancelled. Today, XXXX I received a note from XXXX for a change of address I did not make. I have made a report to XXXX XXXX XXXX today, XX/XX/XXXX and froze my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: CFPB and wells fargo failed to compete an investigation. Please see my detailed notes of wells fargo failing to include the documentation from the customer service representatives on multiple calls to wells fargo : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. Thank you for your attention to this matter. View full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded STATUS Company responded on XXXX RESPONSE TYPE Closed with explanation Company 's Response Please see the attached Bank response. ATTACHMENTS Final_Response_XXXX ( 81.8 KB ) Feedback provided STATUS Feedback provided on XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I am again writing to file a formal complaint against Wells Fargo for what I believe to be fraudulent banking practices that have adversely affected my account on several occasions. This has been document by the customer service agents and recorded yet Wells Fargo refuses to bring this evidence forward. Numerous times, I received notifications from Wells Fargo indicating that my funds were low, resulting in overdrafts. However, after numerous phone calls and diligent investigation, it was discovered that Wells Fargo was at fault, leading to the removal of the imposed overdraft charges. This incident has raised serious concerns regarding Wells Fargo 's banking practices, particularly in the handling of consumer funds. It appears that funds were inaccurately portrayed as low on several occasions, leading to unnecessary overdraft fees. This not only reflects poorly on the bank 's integrity but also raises questions about the security and accuracy of account information provided to consumers. Furthermore, I would like to bring to your attention that Wells Fargo has been previously investigated for similar practices. The bank has faced scrutiny for its handling of customer accounts, including cases where funds were held without proper justification, resulting in unauthorized withdrawals. This pattern of behavior is deeply troubling and requires a thorough investigation to protect consumers from potential financial harm. I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Wells Fargo 's banking practices on multiple dates and take appropriate actions to ensure the fair treatment of consumers. I believe that the evidence of inaccurate fund representation and the removal of overdraft charges substantiate the need for a thorough examination of Wells Fargo 's conduct in this matter. Thank you for your prompt attention to this matter, and I look forward to a resolution that ensures consumer protection and addresses the alleged fraudulent banking practices by Wells Fargo. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Thank you for your detailed response. While I appreciate the information provided regarding overdraft fees, I must bring to your attention that my case involves recorded and documented phone calls to your customer service agents. These conversations not only support my claim of fraudulent banking practices but also challenge the accuracy of the charges imposed. I kindly request a thorough investigation into the specifics of these calls, as they serve as crucial evidence in demonstrating the inconsistencies in the overdraft fees charged from XXXX to XXXX. Your prompt attention to this matter is greatly appreciated. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS While I acknowledge your efforts in addressing my concerns, I must assert that the provided information does not adequately reflect a thorough investigation into the recorded calls and documented complaints made to your customer service agents. In accordance with banking law, financial institutions are obligated to conduct comprehensive and impartial investigations into customer complaints, especially those involving potential fraudulent practices. The recorded calls and documented complaints submitted as part of my complaint serve as critical evidence that necessitates careful scrutiny. It is imperative that Wells Fargo, in compliance with banking regulations, thoroughly reviews the content of these recorded calls and documented complaints to ensure a fair and just resolution. Failure to do so would not only undermine the integrity of the investigation but also potentially violate the legal obligations incumbent upon financial institutions. I kindly request that Wells Fargo revisits the investigation process, giving due consideration to the evidence provided, and conducts a more exhaustive review of the recorded calls and documented complaints. This is crucial for an accurate determination of whether fraudulent banking practices have occurred. Your cooperation in this matter is appreciated, and I trust that Wells Fargo will uphold its commitment to regulatory compliance and customer satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: In 2007 I opened accounts with Wells Fargo. Last month I received a statement stating that I could be reimbursed money from the accounts. I lost the letterhead but would like to receive my compensation, if its possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I had traded in the vehicle as a down payment. The trade was successful but I keep gettine letters from Wells Fargo stating audit issues with my account. During Covid I had to deal with medical issues concerning both of my parents. I applied for delayed payments and so on. Keep getting letters from Wells Fargo for which I could not really understand the issue at hand. The final letters stated that during the Covid Pandamic incorrect information was colleted concerning my auto account and was released to the Credit Agencies. This information may have affected my trade and financing of my current vechile. I have been a client of Wells Fargo for many years and still plan to be in the near future. I hope this information shed some light on all the letters sent by Wells Fargo. Thank You for your time .....
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: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I made a payment to a rent company totaling {$1700.00}. On XX/XX/XXXX of XXXX it was taken out my checking account. I called the company and an agent said it was probably a glitch but because they were third party the best thing to do was to contact the bank and dispute it and show my receipt and they should be able to rectify it. On XX/XX/2023, I called Wells Fargo and disputed the charge. A provisional credit was given and I was told it could be up to 90 days to investigate. I received a letter one month later asking for documentation to be provided. I emailed XXXX a picture of the receipt. On XX/XX/2023 I received a letter that the claim was being closed because I didnt send the email. I called and agent walked me through sending the email again in pdf form and on XX/XX/XXXX they still reversed the credit and closed the claim without any explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In late XXXX, I noticed my XXXX credit reports show 2 Wells Fargo credit accounts while I was only having 1 credit card ( XXXX ). I checked accounts details, one of them was showing payments from XXXX, and the other one was showing payments from XXXX. As my XXXX card had an fraud issue back in XXXX, and I asked for the replacement card at that time, I noticed the credit card company created another account for me, which is absolutely not correct, thus, I dispute the old account in my file. However, in early XXXX, I noticed Wells Fargo closed my current XXXX card account ( ending in XXXX ) as I couldn't see any transaction for this current card, and I only can see my old credit card statement ( ending in XXXX ) back in XXXX. Clearly Wells Fargo closed my current account ( XXXX ) and left old card ( XXXX ) there, while my request was to remove the old account from my credit report because eventually I should only have ONE SINGLE account from Wells Fargo. I made a few calls to Wells Fargo, everyone felt it was weird, but no one could give me a solution. I got 2 calls from the investigation team earlier XXXX, but I haven't hear anything back yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a notification on XX/XX/23 from XXXX XXXX that there was an inquiry from Wells Fargo for a credit card application which I did not apply for. I contacted Wells Fargo immediately and the made note that this was a fraudulent application and will deny approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A