Date Received: 2024-02-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Wells Fargo and company is willfully unable to acknowledge its own negligence. Despite the most recent response in a correspondence dated XX/XX/XXXX. Indicating 'self-inflicted ' negligence that occurred during the redeem period of my vehicle, XXXXXXXX XXXX XXXX XXXX XXXX They also denied me on and after XXXX to redeem the vehicle because i did not have enough funds in my account ; even though I explained the set-off that occured. In the contract, Section 3 paragraph e. 'How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back ( redeem ). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. ' According to my records, the vehicle was repossessed on XX/XX/XXXX @ XXXX XXXX and was not sold until XX/XX/XXXX. -So, why was I prevented from 'redeeming ' the vehicle in the month of XXXX prior to the sale of the vehicle? I also received a letter with a XXXX on XX/XX/XXXX for {$400.00} stating 'a set-off was performed in error on my account ending in XXXX. ' I was then sent another letter with a XXXX dated XX/XX/XXXX for {$5500.00} stating again that 'a set-off was performed in error on my account ending in XXXX. ' Did this set-off not occur during my redeem period? -Can wells fargo and company show proof that I did not transfer funds, {$2200.00}, into my savings in time to redeem the vehicle? + It is also important to note that I did contact the bank in relation to the overdraft on my checking account. I was instructed by Wells Fargo personnel to 'log into to the online banking portal and turnoff the overdraft feature. This will prevent any funds from being transferred from savings to checking. ' I did exactly that 6 business days prior to transferring the funds to my savings. I was not instructed that a set-off was imminent after removing the overdraft feature or I'd have looked into alternative methods to allocate the necessary funds to redeem the vehicle. The reason Wells Fargo is in debt to the cfpb is due to gross negligence. This incidence is no exception! Wells Fargo impeded it's own contract by removing funds from my account, a self inflicted wound. It is imperative because these actions while legal, hindered the automobile contract redeem standards. Despite Wells Fargo claim that I did not contact the bank, I did, how else can it be explained why I removed the overdraft feature on XX/XX/XXXX? -Can wells fargo indicate that, during this time period, there were not accounts with significant monetary deficits in comparison to mine ( ie. more than {$370.00} )? -Can wells fargo and company provide proof, since they are claiming my account was charged off XXXX, XXXX XXXX of why I received cheques XX/XX/XXXX {$400.00} and XX/XX/XXXX {$5500.00} other than due to a negligent set-off occurring on my account? - can wells fargo prove that it's actions on XXXX did not prevent me from redeeming my vehicle? - After a conversation, post the set-off, via telephone, on XXXX and on XXXX I had a conversation in person at a branch prior to withdrawal of the funds in my savings in order to protect my money. -I deposited {$300.00} into the checking account on XXXX in an effort to combine it with the funds, {$1800.00}, I withdrew from my savings. On separate phone calls, XXXX, XXXX XXXX, XXXX I attempted again to pay the redeem cost and was told, it is to late, this is the only reason I did not allocate the {$1800.00} back into my checking account. Even though the redeem period lasted until XX/XX/XXXX when the vehicle was sold. Can wells fargo prove that I was not denied the opportunity to redeem because of a fixed date of XXXX. At which point they claim I was no longer eligible to recover the vehicle? +Important things to note : wells fargo performed a set-off on my account on XXXX. I removed my funds XXXX in order to protect it. Wells Fargo denied me multiple times via phone to redeem the vehicle. Even though I made a {$300.00} deposit to my checking account to indicate my intent of combining this with {$1800.00} bringing the auto loan out of default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
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 sent in for the company to verify the debt which the credit bureau are verifying the debt as mines with no documentation. Ive also been threatened to be sued. They also created false statements on me, repeatedly, phone calls, and harassing me causing hardship to my livelihood none of these accounts are authorized by me, but yet still reporting on my credit I have disputed this several times, and they continue to report inaccurate information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
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: 2024-02-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I was contacted by the person who ended up being the scammer. The reason almost 90 days has gone by is because I tried to fix this through my local bankm a waste of time. When this is all over I demand an apology from evberyone involved. I was contacted to purchase XXXX items that I had for sale on XXXX.I told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from XXXX ( and I " believed '' him but I was scammed. I agreed so they told me they would send me XXXX money. but then the buyer said they had a XXXX business account That is the second fee in question. I was scammed again and since my XXXX was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man ( with a mideastern accent ) sent me emails telling me how to send them the money. I filled out a XXXX for XXXX ( including fees ). the email said that if I wanted a XXXX business account they would help me get it. All of this was explained to me ( including to pay ( Friends and family ) By the way, I never received the XXXX promised, but I did send them XXXX ( XXXX agrees on the amount ) To get a XXXX business account, A fake email with the XXXX header was provided by the scammer. I was tryting to be nice [ that will be the last time i will be nice ]. I would send this XXXX person ( that was recommended [ this was a scam ] done through XXXX ) XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to XXXX with the fees and XXXX told me my bank had to agree and tell XXXX to reimburse me th money ( XXXX ). My bank told me XXXX had to reimburse me and XXXX told me they had to receive instructions from my " bank '' ( don't ever believe anyone like the clerks at my bank or at XXXX ). Neither happened which is why I am contacting you now. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents. The XXXX representative even told me I would be reimbursed ( LIE ) don't ever believe a clerk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer in the amount of {$9300.00}. The charges ( {$9300.00} ) and fees ( {$460.00} ) were applied to my card on XX/XX/2024. I checked my account on XX/XX/2024 and again on XX/XX/2024 and the money had not been deposited, so I called Wells Fargo to ask why. I also asked if I could pay off any other balance that was on the card I was told no, so I told the customer service person that I would like to cancel the transaction and was told that I could not cancel it as it had already processed. I explained to them again that I had not received the funds, they had only charged me for the funds. I was send to a second level person and at that time as was told yes I could pay off my card and was put on hold. After being on hold I was disconnected from their end. I called right back and explained the whole thing again, they said they would have someone call me back that day because I knew if they didn't the money would probably be sent to my account the next day and they wouldn't help me then. I was told they would and it didn't happen. I called the next day XX/XX/2024 after not receiving a call back again. I was told they could undo the transaction because I already received the money and they would refer it to another department that would mail me their answer. The letter did not rectify the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76020
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was scammed out of money. It started on XX/XX/XXXX. Someone contacted me on XXXX claiming they could help me out financially. They sent me {$1800.00} on XX/XX/2024 and they asked me to send {$1300.00} of it to a church for charity. They sent me the XXXX information for that supposed church, and they said to already send the {$400.00} to the XXXX info given, an amount that would be available to me instantly. I had already sent the money via XXXX on the same day XX/XX/2024 when I realized it was a scam, after being advised by my parents. I called my bank on XX/XX/2024 and a claim was made on my behalf same day of both transactions being fraudulent and a scam. My bank didn't update me for about 9 days on the claims. I had to call to check on it today on XX/XX/2024. And when I did they said they did an investigation and the {$400.00} sent out via XXXX was not fraudulent and that they aren't reliable for scams. But previously they did not even gather any of the evidence I had, so how could an accurate investigation be done? They only asked me what happened. But I have screenshots of everything, and I had even gotten a death threat by the people scamming me and they had my number and claimed to know where I live. I received that death threat on XX/XX/2024. I am currently overdrawn, my account balance is- {$12.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo a habitual violator of charging erroneous over draft fees although funds were deposited or refunds issued. On XXXX a charge for {$21.00} from XXXX was processed on my account leaving my account balance at {$53.00}. Then on XXXX a refund was issued from XXXX for {$21.00}, a purchase {$27.00}, {$10.00}, and {$21.00} which would leave my balance to be {$16.00} but no Wells Fargo charged my account {$35.00} overdraft fee when my email from them says if the funds are deposited by midnight the fee will not be assessed and per their terms deposits are done first. Yet I was still charged I did call in on today XXXX and they credited the fee but the issue is it should never have been charged and if my account was over drawn why is the balance XXXX? $ XXXX $ XXXX $ XXXX because you charged the fee after the credit posted. Illegal and unlawful business practices and an exam needs to be opened against Wells Fargo AGAIN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Avoided check XXXX XXXX XXXX XXXX XXXX Submitted check to set up auto debit I find this to be form of misconduct throughout Wells Fargo check was cashed as payment no payment was due premium of {$32.00} per month for XXXX XXXX XXXX XXXXXXXX XXXX I believe this to be a fraudulent act of crime my account is excessively overdrawn with these I have patiently awaited a resolution it is now up to {$83.00} time frame has existed there is not a extended line of credit offers I can not understand why? Maybe also an act of misconduct through the insurance agency itself with XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Went to make changes to my checking/savings account early XX/XX/year>. The change was to add my trust as beneficiary. They told me I could not but added to my checking as account owner. Paperwork was signed and I went on medical leave XX/XX/year>. In mid XXXX during my medical leave and unable to drive I was requested to come sign additional paperwork or my account would be closed. I ask for an extension given the circumstances and ask to file a complaint. Both fell on deaf eyes. I drive myself to the bank location neatest me to sign the paperwork required but no notary was available. I was able to make it to the bank location where I originally signed the paperwork on XX/XX/year> to sign the required paperwork and my checking account was closed the next morning. I spent the next morning of XX/XX/year> attempting to get the checking account reopened. The person who originally handled this issue was XXXX XXXX at Wells Fargo Bank at the XXXX XXXX TX located on XXXX XXXX. The branch manager never stepped in to help which I would have thought would have helped and added more urgency to the situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX. I received a letter form Wells Fargo that they are closing my account effective XX/XX/scrub>XX/XX/XXXX Aside from dealing with various XXXX illnesses and XXXX family deaths and numerous other personal issues, I have managed to pay all my bills and my loan in a timely fashion with Wells Fargo. I have banked with them well over 10 years, had numerous cards, loans, and have never defaulted. I have had several NSF fees, but my direct deposits gets credited and I always make my account whole. I spoke to multiple reps who have told me that the Wells Fargo does not need a reason to close my account, and that decision is final. I also have a loan with Wells Fargo that is nearly paid off, only about {$390.00} remaining. When the loan was initiated, it was set up for autopay with my current Wells Fargo account. I enrolled in autopay with my account to save on the rate. If they close my account, they are telling me that I have to come to the bank in person to pay the balance. I believe this would be a violation of the terms of my loan. They are choosing to close my account. I should not then be penalized to be forced to have to go to an in person branch to pay them. I find that highly unethical. I do not wish to close my account. I have numerous bills including my direct deposit that go into this financial institution. I have had a working relationship with them for over 10 years, and to arbitrarily close my account with no explanation whatsoever other than they have made a business decision. I think at bare minimum the account should remain open until the loan is paid off so that I can continue to my auto pay processed. I do not want to close it at all. My financial situation is improving and I wish to be given the opportunity given my long standing relationship to continue having my account open. Please reach out to them on behalf to see what can be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/XXXX - Checking account balance was approximately {$140.00} ( positive/available ). XX/XX/XXXX - {$220.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to not enough funds in my checking account. {$35.00} overdraft fee was issued. XX/XX/XXXX - Checking account balance was negative. {$9.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to account now being negative. {$35.00} overdraft fee was issued. When I called Wells Fargo- they did reverse the over draft fees ( totaling {$70.00} ). But they would not refund/reverse the {$220.00} payment or the {$9.00} payment. I was told it is up the the banks discretion to pay these transactions on my behalf. I disputed this and talked to two supervisors who told me it is up to Wells Fargo to pay the transactions on my behalf or not to pay them. That it is up to the discretion of the owner and that it is Wells Fargo policy. When I asked to have this policy sent to me in writing, they said they did not have it in writing. I was then hung up on twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80921
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A