Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. WELLS FARGO CARD SER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My Wells Fargo ( WF ) credit card was charges three times from one restaurant named The XXXX XXXX XXXX on the XXXX XXXX XXXXXXXX for the exact same amount of money ( {$110.00} ). The first charge was legitimate ( XX/XX/XXXX ) the next charge was 5 days later ( XX/XX/XXXX ) not legitimate, and the third charge was ( XXXX ) not legitimate. I was on the XXXX XXXX XXXX working for the Department of Defense doing debris cleanup after XXXX XXXX. One of the people on my team was redeploying back home after 30 days and I went to see him off and I paid for his meal and mine on XXXX I noticed the XX/XX/XXXX charge on XX/XX/XXXX and called WF to let them know that there is no way this charge could be legitimate as I had XXXX back to XXXX on XX/XX/XXXX. The person I talked to with WF also told me about the charge on XX/XX/XXXX but didn't immediately send the complaint to the fraud department. On XX/XX/XXXX I called them back again because the charges were still on my card. They asked me to try and contact the merchant myself to try and rectify the problem. XXXX is 16hrs ahead of XXXX and this being a dinner restaurant it was nearly impossible to contact them. I did send them a XXXX XXXX note on XX/XX/XXXX and got no response. Still, the charges were not sent to the fraud department. I mentioned how this was a restaurant / bar and how difficult and unlikely it would be to charge the exact same dollar amount three separate times, and that this is not a subscription service. Finally after hearing nothing from WF I called them back on XX/XX/XXXX and as I was talking to the rep they said " I'm reading here you weren't even on island for the last charge '', and she reversed the two disputed ( XX/XX/XXXX & XX/XX/XXXX ) charges and sent the claim to the Fraud department. She said all I needed to do was make an attempt to contact the establishment and that would suffice, and I told her I had tried contacting them via XXXX XXXX and she said that would suffice. She told me the card would be cancelled and I would receive a new card and the fraud dept would contact me to discuss the claim. At no point in any of these conversations was I told to not pay my credit card balance. No calls ever came from the fraud department, and not long after my card was cancelled and the two disputed charges were put back on my card. By this time I was back in XXXX ( having been home for about 6 weeks for vacation and training ). I called back on XX/XX/XXXX to see why my claim had been denied and was told XX/XX/XXXX was a chip card point of sale so both were denied. I told them I could provide them with my official travel orders showing that I was not on XXXX at the time of the charge and that they could look at my statement and see I had no charges on the XXXX after my departure date of XX/XX/XXXX. And all charges after that were made in XXXX including around the time of the XX/XX/XXXX charge back in XXXX. I was told they would again reopen the claim. I then returned home from XXXX for the second time and on XX/XX/XXXX and on XX/XX/XXXX I faxed WF my travel orders and plane flight information showing that I was not on XXXX at the time of the XX/XX/XXXX charge. Again my claim was denied via writing saying, " you validated the transactions by continuing to make payments on your credit card ''. I had other balances on this card other than the disputed charges. I called once again in an effort to actually talk to somebody reviewing my claim and was told I would be contacted within 24-48 hours. That was XX/XX/XXXX and it is now XX/XX/XXXX. WF does not seem to want to talk to me about this problem and they are disregarding the fact I was in XXXX at the time of the third charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Records show that on XX/XX/23 my XXXX XXXX checking account with was unexpectedly closed by Wells Fargo. I was only made aware after logging onto my online banking and saw my account had a {$0.00} balance and statement that the account was closed. I contacted the number provided on the online account, which said they could not assist me, however the account was closed because my " Principal '' address they have on file for my business can not be a XXXX XXXX XXXX This is not the case. My " Mailing '' address for this account is a XXXX XXXX XXXX however my " Principal '' address is my home residence. I did not receive any previous emails regarding this issue with my account until after I had called into the online number my online account provided, simply stating my account was closed. I have spoken to many online bankers regarding this and even went into the branch and spoke with the Mgr. All they were able to tell me is that they mailed my remaining balance in my account to my " Mailing '' address in the form of a certified check. They would not stop the check and simply transfer to another one of my accounts. Within the last 3 mths I had recently paid for new printed check on this account, I have multiple merchants tied to this account for XXXX and auto deposits into this account from my merchant services company. This has completely shut my business down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I submitted 3 securities ( applications ) and was not given a compensation/credit line. See attachment sent to Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Description of the Incident : Between the payment made on XX/XX/XXXX and the subsequent payment on XX/XX/, there was a misunderstanding regarding the outstanding balance on my auto loan with Wells Fargo. On XX/XX/, I mistakenly paid the regular installment, unaware that the billed amount included a past due balance from XX/XX/. I rectified this error by paying the full outstanding balance on XX/XX/. Furthermore, I settled the entire loan on XX/XX/. Actions Taken : XX/XX/XXXX : Initial payment made. XX/XX/XXXX : Partial payment made, misunderstanding the billed amount. XX/XX/XXXX : Full outstanding balance paid. XX/XX/XXXX : Loan paid off entirely. XX/XX/XXXX : Sent a goodwill letter to Wells Fargo seeking resolution. FCRA Notification : Per the Fair Credit Reporting Act ( FCRA ) page 92, sub section 7 ( B ) ( i ) " ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' Wells Fargo is mandated to notify me within 30 days of submitting negative information to credit agencies. However, as of XX/XX/, I have not received any such notification from Wells Fargo regarding the reported late payment. Billing Statement and Resolution Efforts : Efforts to rectify this included the partial payment on XX/XX/, followed by a full payment on XX/XX/, and the complete settlement of the loan on XX/XX/. Additionally, a goodwill letter was sent to Wells Fargo on XX/XX/, seeking resolution regarding the reported late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/ I noticed a large sum of money missing from my account and when I check my account and realized that a XXXX XXXX was withdrawing this money from my account I immediately called Wells Fargo bank and although the gentlemen that I spoke with said they would reissue me a temporary credit well they have not and continue to refused to give me the money that was taken out of my account without my consent or knowledge and despite me issuing police reports and an a affidavit of truth and facts ( see attached ) they still refuse to reissue me the funds stating that the transaction were authorized, although they have no proof of previous business or dealings. I dont nor have I ever knew a @ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XXXXXXXX XXXX XXXX I asked for Wells Fargo to stop all automatic payments on my account because I was out of a job and the funds that were in there was needed. Wells Fargo stated that stopped the payments and never did. I asked multiple times and they stated it had been stopped. My account is not closed and they stated that it wasnt my fault and sent me a cashier check. They informed me I could open up another account but my information is in XXXX XXXX. Now I cant open any bank. I am very upset with Wells Fargo about this situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. The late payments in question are associated with the following accounts : WELLS FARGO CARD SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO CARD SERVICES customer service representative. XXXX have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: XX/XX/2023 I asked to assume the mortgage of my deceased mothers home were I live. XX/XX/2023 I was received an application for home mortgage that listed me as a buyer, with all the costs. XX/XX/2023 I sent the prevision the Garn St, germain Act. Stating that the federal law requires them to allow me to assume the mortgage of my inherited without the closing costs. XX/XX/2023 I received a response stating they knew nothing about the St. Germain Act. and that I would have to do it their way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53142
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a CD account of {$20000.00} online under Wells Fargo on XXXX XXXX Fri., 2023. Wells Fargo opened a CD account of {$200000.00} under my name on XXXX XXXX Fri., 2023, {$180000.00} is not coming from any of my accounts within Wells Fargo or transferred by me from any other places since I don't have such amount of money. On XXXX XXXX Sun. 2023, I had made 2 calls to Wells Fargo ( XXXX ) in the morning and tried to let them know what happened but they can't solve it and asked me to call another no. ( XXXX ) from Mon. to Fri.. I called XXXX in the morning of XXXX, 2023 ( yesterday ), and the banker told me that he will need to go to another department then call me back. He called me back and asked me to call XXXX, I called and they can't solve it and asked me to go to bank counter for solution. I told them that I am not close to any of their branches, and who is paying my time/transportation and such, I am not the one who made the mistake and they should solve it internally. Wells Fargo made a mistake and I informed them. It is also suspicious that Wells Fargo could fraudulently stash the money that is not belonged to me or any account holder in the CD accounts or any individual account due to the scandals Wells Fargo had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A