Date Received: 2023-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I was contacted by someone who identified themselves as a XXXX of the Wells Fargo XXXX Department stating there had been a large request to XXXX money via XXXX in the amount of {$3500.00} and multiple transactions for XXXX Case transactions via XXXX XXXX for {$2500.00}. The number they called from was verified by XXXX to be the same number that was on the back of my Wells Fargo XXXX XXXX. I told the man on the XXXX I did not approve XXXX XXXX XXXX or XXXX transfers. He told XXXX XXXX had to be posted to the account in order to refund them and that he would push them through and to wait XXXX minutes after XXXX posted to initiate the reversal process. During this process XXXX call was disconnected and I called them back only to discover Wells Fargo stated they did not initiate the XXXX about the transfers and that it appeared XXXX XXXX a victim of fraud. They immediately closed my account and we opened a new one on the phone and transferred what was left of XXXX money to the new account. The rep stated they would open a XXXX claim for me for the apple cash transactions and the XXXX transfer and she and transferred me to the XXXX department. I explained what happened and they put the dispute in and said XXXX would refund the stolen money. The next day there was still no claim for the XXXX, only the apple cash transactions. I called them back and was told it takes XXXX business days for the refund process and they did not handle XXXX, and transferred me to yet another XXXX That XXXX put the XXXX claim in and asked me some questions about if I had lost my phone or was it stolen and if I had a laptop and if so was it stolen. I dont remember all the questions. A few days later they denied XXXX refund stating I authorized the transaction. I called back and the rep put in an appeal ( i believed she called it ) and that the other transactions were still under XXXX but would issue a XXXX credit in the meantime. They denied my appeal XXXX later stating they believed I authorized the XXXX transaction. Today XX/XX/23 I received a letter in the mail stating that they were taking the money back that was credited for the apple cash transactions because they beleive I authorized the XXXX XXXX transactions. I am a single mom with XXXX kids and would under no circumstances voluntarily give away over {$6000.00} of our money to XXXX. They did not " investigate '' any of the charges or they would have provided me with the reports I asked for the XXXX time they refused to refund XXXX XXXX. And they would know that I did not and would not have made those transactions. They also stated they were not responsible or liable for XXXX fraud. I just want my money back which would be very easy to track down since this was all done virtually and you know they can trace where the money went. XXXX of the reps even said to XXXX after my XXXX or XXXX the daily call to them that XXXX " should be happy with XXXX crediting XXXX the {$2500.00} because at least XXXX got something back ''. Which XXXX now are taking back from me and leaving me with over {$6000.00} of money XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I received a phone call from this number XXXX and was coerced through the use of legal threats by an individual posing as a Texas police officer into transferring money from my bank account into multiple individuals other accounts via XXXX. There was an elaborate story involving solicitation of minor via online dating website and property damage. I was directed to speak with phony parents that eventually offered the opportunity to resolve the matter without pressing charges. I was told I could avoid extradition and criminal proceedings if I payed for a XXXX laptop that had been destroyed during the concocted incident. I was offered multiple options to pay and ultimately ended up using XXXX initially to make one XXXX payment, then a XXXX dollar payment through XXXX. After this I was then told I was going to be charged for various legal fees including payments for keeping my record clear from any wrongdoing this would total in the amount of XXXX dollars which was again paid with XXXX. On the morning of XX/XX/2023 I started receiving texts from the same number I had initially received a call from XXXX that payments from the night before had been put on hold and that I need to attempt again. I was texted repeatedly and aggressively in order to get money transferred or else warrants would be issued soon. This is when I contacted other individuals and quickly found out these were not real people and it was all an elaborate money scheme
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged {$35.00} for each transaction that put my account into negative. I can not remember dates as Wells Fargo closed my account due to me not paying the overdraft fees. I had asked multiple times to not have my account on over draft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86004
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a direct deposit of my salary on my WELLS FARGO checking account {$5100.00} on XX/XX/2023. I made few transactions of meager amount on XXXX and XXXX. I found out on XXXX night that my account balance was just XXXX $ and a huge amount of {$2400.00} was deducted by XXXX XXXX which the bank said is a travel agency. I never worked with any agency for any kind of travel bookings. This transaction is pending and WELLS FARGO people didnt be much of help here. I did see few debits and reversal transactions happening on my card for one week and when called bank to issue a new card they didnt ship me a new card yet. Please help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed out of $ XXXX by a Wells Fargo client impersonating a registered dealership. I called Wells Fargo to check on the company account before the transaction and was told it was active and no issues with it. I transferred the car downpayment and signed a contract and then the seller vanished. I called XXXX 's fraud line and opened a case immediately for payment recall. After few days I called to check and was told that XXXX transferred my fraud case to non-fraud department for another 25+ days of investigations. A local XXXX rep told me that the money vanished from the receiving account already. I feel that XXXX should be held responsible for creating bank accounts for scammers and has squandered my chances of getting my money back with their handling of the case. Is there a possibility of recourse on XXXX to hold them responsible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My online account has bill pay which sends bills electronically. I am the one who determines to whom the checks are sent the amount et when they are sent. I specifically set up a bill payment to be sent on Thursday XX/XX/XXXX however Wells Fargo did not respect that et sent it today. They sent a bill without my permission. I contacted customer service but they were extremely rude et XXXX the situation. They continue to XXXX et state that I set up the bill for today et I did not. I am fully aware of when I request et initiate a payment to be sent however XXXX is arguing with me stating that I did not. This is ridiculous I know to whom the amount et the time a bill pay is to be sent as I am the one initiating it. I am disgusted by their blatant disregard et XXXX They are now forcing me to pay huge interest in overdraft fees which I I should not have incurred in the first place. Their error et faulty shady ways should not jeopardize customers. They continue to be dismissive et rude. XXXX from the XXXX XXXX is refusing to give any assistance Desired settlement : Billing adjustment ; Contact by the business ; Correction and stop XXXX. Stop blaming customers for your errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Subject : Complaint Regarding Payment Handling by Wells Fargo Bank Dear CFPB, I am writing to file a continued complaint against Wells Fargo Bank for their handling of payment irregularities. I made a repayment on XX/XX/2023, and after the funds were successfully received, I encountered a second payment, causing an overdraft in my XXXX checking account. Consequently, I contacted XXXX to dispute the duplicate transfer made on XX/XX/2023. However, Wells Fargo 's actions are concerning ; they have erroneously classified my XX/XX/2023 payment as an adjustment, technically delaying my repayment by XXXX days and insisting on interest payment. I urge the authorities to monitor such rogue practices by Wells Fargo. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a checking account with Wells Fargo from an offer to receive a welcome bonus of {$320.00} if " {$1000.00} or more in qualifying electronic deposits were received within 90 days ''. I deposited electronically a total of {$1000.00} by XX/XX/24. When i asked about the missing bonus it was explained to me that the deposits would have to be from an employer and deposits from other banks were not eligible. I think that is very misleading and should have been made clear in the marketing materials. If i had to set up a direct deposit from my employer or other entity that should have been a main part of the marketing as it is with other banks. Other banks that have similar offers that only mention electronic deposits do not have this requirement and accept electronic deposits from any source.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On XX/XX/XXXX, I obtained and purchased homeowners insurance through XXXX, and sent an accord of cancellation to my existing homeowners carrier, XXXX XXXX. I supplied my mortgage company, Wells Fargo, with a copy of the new XXXX Declarations page, a copy of my receipt verifying payment and a copy of the policy. I called Wells Fargo ( WF ) on a recorded line and informed WF of this change. I confirmed via another phone call on XX/XX/XXXX that WF had received my new insurance info, and again on XX/XX/XXXX, when I called WF to order a payoff letter for my mortgage. WF provided the payoff letter the following day via email and I forwarded said payoff to my attorney/title company. The payoff was good THROUGH XX/XX/XXXX. What I did not know at the time but have now learned from XXXX XXXX ( the cancelled insurance ) is that someone from Wells Fargos insurance department named XXXX initiated a call to XXXX XXXX on the same day that I requested a payoff of my mortgage and requested information about an insurance renewal for me. And this same WF rep, named XXXX ( according to notes read aloud by a rep from XXXX XXXX ) called in again on XX/XX/XXXX and insisted upon making payment to XXXX XXXX to obtain XXXX insurance policy on my home, THUS now violating Alabama insurance laws and having 2 identical insurance coverages on my home ( one being the one I purchased and 2 being the XXXX policy I cancelled and behind my back, Wells Fargo purchased on my behalf without my consent or a signed contract from me, requesting the XXXX policy ). It seems a bit deliberate considering WF had been put on notice that I was preparing to pay off my mortgage by XXXX. Whats even more egregious is that I called in to WF on or around XX/XX/XXXX to inquire how I would be refunded the sum of money accumulated in my escrow account, which was more than {$3700.00}, once I paid off my mortgage. I was congratulated for the intent to payoff, etc., and I was advised that as soon as WF received my payoff they would apply the funds to my mortgage balance and as soon as those funds were applied, I could call back in and request that the escrow balance be transferred to my WF checking account and that the money could easily be wired and if my payoff occurred by Friday XX/XX/XXXX, I could likely have the escrow balance as early/soon as Tuesday XX/XX/XXXX. I needed those funds because I made an initial payment to XXXX for insurance on XX/XX/XXXX but another payment is due on XX/XX/XXXX. Now I will be forced to place that payment that is due on my credit card if my escrow balance is not sent to me by then. At this point I need to inform you that not only did XXXX with Wells Fargo completely disrupt my life by going behind my back and obtaining this insurance policy from XXXX that I did not want or need in any way to satisfy any requirements of my mortgage, but XXXX paid over {$12000.00} for said insurance policy to XXXX XXXX, completely depleting my escrow balance of {$3700.00} and the other + XXXX XXXX.she loaned it to me from Wells Fargo , but without informing me, she added on that + XXXX XXXXo the end of my mortgage- bear in mind I had met my insurance requirements as on XX/XX/XXXX and I had called for a payoff letter and the payoff letter actually has the words guarantee payoff amount good through XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I supplied my attorney/title company, XXXX XXXX XXXX XXXX and XXXX, with certified funds in excess of {XXXX}, and on Friday, XX/XX/XXXX, before XXXX XXXX said law office/title company WIRED these certified funds to Wells Fargo Home Mortgage . On XX/XX/XXXX, at XXXXXXXX XXXX XXXX I verified via phone call with WF agent, XXXX, that WF had received my payoff. XXXX advised that once received it can take a few hours or a few days to process. Then I informed XXXX that I received the most peculiar email from XXXX XXXX ( the former insurance company ) that morning after I walked out of my closing. The email stated that XXXX required a signed statement from me, stating I had not had any damage to my property during the period from XX/XX/XXXX until XX/XX/XXXX and that in order to reinstate me, XXXX needed my signature on their form. I then checked my WF online portal and discovered that my escrow account had been depleted down to a balance showing XXXX. For the record, I did not fill out or sign this form. While XXXX had me on hold inquiring from her WF supervisor as to what was happening, I called my former local insurance agency who had sold me the XXXX policy from XX/XX/XXXX, which I canceled one day prior to expiration, on XX/XX/XXXX, to ask the local agency why I would be receiving such an email from XXXX regarding reinstatement, when we had sent XXXX an accord of cancellation on XX/XX/XXXX. When WF agent XXXX returned to the line, XXXX informed me that Wells Fargo mailed XXXX XXXX a check in excess of XXXX} on XX/XX/XXXX. XXXX then informed me that she had received permission to place a stop payment on that check to XXXX for more than XXXX}. She said that her department would advise XXXX XXXX. That is not what happened. No one from WF reached out to XXXX on Friday XX/XX/XXXX. Instead, XXXX reached out on Monday to inform XXXX ( according to their notes ) that a stop payment had been approved but XXXX was stopping the stop payment and requested that the payment be admitted. So on Monday, XXXX advised me that XXXX XXXX was processing payment from Wells Fargo but that because I am the insured I can cancel the policy and that a refund will be sent to me. XXXXXXXX XXXX story on Friday XX/XX/XXXX is in direct contrast to what I learned from the XXXX agent who read me the notes off the account on XX/XX/XXXX, on a recorded line. XXXX claimed that XXXX sent Wells Fargo a late notice and request for payment, and that it is " standard procedure '' for WF to blindly pay bills when they receive them and that WF customers cancel/obtain new/change insurance companies daily. XXXXXXXX XXXX explanation made it sound like WF had done nothing wrong and their actions were everyday normal operations. WF 's actions are currently damaging my credit score. My score has gone from XXXX to XXXX with the reason why as stated that my mortgage balance has INCREASED by over {XXXX} and also that my payment is LATE. See photos attached below. Wells Fargo has been in receipt of payment of more than the payoff balance stated in their letter of guarantee sent to me on XX/XX/XXXX, and WF is holding my certified funds and failing to apply to my mortgage balance. WF is not offering me any explanation as to why they are not crediting my account, and no one I speak with can provide me with an explanation of " XXXXXXXX XXXX '' actions, and XXXX is not making herself available to me. I have checked the portal daily, and my mortgage balance is showing over {XXXX} with a message that my payment is late and a late fee applied on XX/XX/XXXX. Everytime I call into WF I am advised that this is an attempt to collect a debt, blah blah. It is very stressful to say the least. Ive just depleted all the money I have to my name- my entire lifes savings to payoff my mortgage and Wells Fargo has had the money for over one week and they are not applying the payoff and more egregiously they are making reports to the credit bureaus that I am late and that my balance has increased. Please help me resolve this matter. Thank you in advance for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for the Wells Fargo active cash visa credit card. Explain that I have security alerts due to identity theft with major credit bureaus and would not be instantly approved. Call to provide additional information. Wells Fargo gives a default denial and refuses to properly reconsider on a case by case basis. The decision made is based on incorrect information. All three major credit bureaus have the same information, above XXXX XXXX XXXX, long-term credit history, no defaults are delinquencies, no late payments. Despite providing this information, Wells Fargo refuses to approve or consider the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A