Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. WELLS FARGO BANK XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.
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: 2023-12-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been in contact with Wells Fargo corporate office emailing back-and-forth, asking them to simply close my account every day I wake up I see them hitting me with another overdraft fee for some kind of auto recurring charge that was there that I have with another bank? They are now slapping me with overdraft fees every single day when Ive asked them over and over again to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Dear Wells Fargo Team, I appreciate your response to my concerns ( Case Number : XXXX ), but I must express my ongoing dissatisfaction with the lack of resolution. Despite multiple attempts to add my XXXX XXXX account to my Wells Fargo online profile, the issue persists. Your suggestion to contact the Online Banking Department has proven unhelpful, leading to continued frustration and confusion. I have escalated this matter to the Consumer Financial Protection Bureau ( XXXX XXXX : XXXX ) due to the unresolved nature of the problem. I urge you to reevaluate the situation comprehensively, as it directly impacts my ability to manage my accounts effectively. The closure of the case without a satisfactory resolution is disappointing and does not reflect a genuine effort to address my concerns. I expect a more thorough investigation and a resolution to this issue. Thank you, XXXX 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: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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: A purchase was made at XXXX in XXXX, Va on XXXX XXXX for {$260.00}. The purchase was made using my credit card number. I did not make this purchase. I have talk with the fraud division of Wells Fargo Visa card. The first time on XX/XX/XXXX and filed a complaint. It was rejected on XX/XX/XXXX. I made a second complaint on XX/XX/XXXX in writing. And included the information from XXXX fraud division, that they had no record of this transaction on that date by my card for that amount. Wells Fargo again rejected my claim on XXXXXXXX XXXX.I have all the necessary paper work and have given it to Wells Fargo Fraud.This card was cancelled and I was issued on new card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23227
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Subject : Continuing Issues with Bill Payments- Formal Complaint Dear Wells Fargo Customer Service, I am writing to express my frustration and dissatisfaction with the handling of my bill payments by Wells Fargo. Despite multiple attempts to address and rectify the payment issues, the situation remains unresolved, and I find the management of these matters to be chaotic. I have made repeated efforts to contact Wells Fargo regarding the difficulties I am facing with bill payments. Unfortunately, these attempts have not yielded a satisfactory resolution, leading me to escalate the matter and file a formal complaint. I trust that Wells Fargo will thoroughly investigate the issues Ive raised and take appropriate actions to rectify the ongoing problems with my bill payments. Your prompt attention to this matter is crucial to maintaining a positive customer relationship. 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: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I was offering tennis lessons and was sent a fraudulent check from a scammer claiming to to want to take lessons for his kids. He then sent me a fake check of XXXX digitally through email which I deposited to my Wells Fargo Debit account. He then said he needed to send money to his driver to take his kids to the tennis lessons. I then sent XXXX to the driver to supposedly pay for the tennis lessons. After a few days the money from the original check was withdrawn by Wells Fargo and I was left with a loss of XXXX. I called Wells Fargo and they said that they are not responsible for depositing fake money into my account. Even if I ended up sending money it was because they deposited fake money into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 271XX
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: Information is missing that should be on the report
Consumer Complaint: See atttached but Wells Fargo is not updating or showing an active credit card on my XXXX credit report, this account shows for XXXX and XXXX only
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: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Violation of the : Truth in Lending Act Actions by Wells Fargo include : *Misleading information *Using Multiple accounts to mislead *Refused providing statements showing the disputed charges to the account ( s ). *Access to the account and account history through online banking and Wells Fargo Application was denied by deleting the account and account history. Wells Fargo Representative acknowledges ( " well aware '' ) Wells Fargo being aware of this on the call XX/XX/XXXX, XXXX. Wells Fargo was given very ample opportunity to acknowledge and correct the issues mentioned. Calls placed on : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And more On XX/XX/XXXX, XXXX, like all XXXX months preceding this month, a payment in the amount of XXXX XXXX was made through the Wells Fargo application issued on the Android Operating System for the Home Equity Line of credit. An initial call was placed on XX/XX/XXXX, XXXX to inquire why the application had a banner stating that {$100.00} was owed on the Wells Fargo Home Equity Line of credit after the payment ( {$500.00} ) was made. Individuals participating on behalf of Wells Fargo include : *Names may not be spelled correctly* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Receptionist XXXX XXXX XXXX Office XXXX XXXX XXXX XXXX XXXX XXXX being denied a statement showing the " additional interest finance charge '' of {$460.00}. on top of the regular {$65.00}. principle and {$430.00}. interest. And the use of XXXX accounts without the borrows consent. Intro to an inbound call to Wells Fargo XX/XX/XXXX, XXXX XXXX XXXX is the representative that received the call and brings on XXXX XXXX the case manager. XXXX eventually is asked to bring on her supervisor which is XXXX XXXX. The call is XXXX. XXXX *beep sound* XXXX XXXX XXXX Yes Elana- I do have XXXX on the line and XXXX is going to further assist you from here. Judge- Thank you so much Elana- XXXX welcome. Thanks XXXX. XXXX XXXX this is XXXX XXXX XXXX on a monitored and recorded line ah how are you doing today XXXX, I am doing fine. How are you? XXXX, that's good. I'm doing good. Thank you for asking. I do need to verify you really fast before I can get started. Can you verify your first and last name and last XXXX of your social Judge- XXXX XXXX XXXX XXXX all right great. So I do have an answer back for you? And I'm going to be sending it out to you in writing as well. So we did find that you were billed the correct amount. Um of interest for this upcoming payment for XX/XX/XXXX XXXX. XXXX so I am going to explain to you why it was billed correctly. Um on XX/XX/XXXX for your 1998 your main account you're very variable rate account. You were billed {$100.00}. Um at that time your balance was {$1600.00}. The {$100.00} that was billed was due on XX/XX/XXXX. On XX/XX/XXXX you made a payment of {$500.00} to your fixed rate advanced account Judge- How much was due at that time? XXXX -Yes yep you you are correct Judge- No no, I'm asking how much was due on XX/XX/XXXX. XXXX for your 1998 account? {$100.00} was due Judge- and how much was paid? XXXX we didn't receive a payment for that account separately. Judge- no no no Jessica- You paid {$500.00} applied toward your account fixed rate advance. XXXX, are you telling me I had XXXX home equity lines of credit? XXXX, No you didn't. You had a different segment that a portion of your account had a fixed rate so that amount was **pause, beep sound** XXXX, are you still there Judge- I'm I'm here XXXX it soun XXXX I heard a beep Jessica- Sorry Judge- did something happen what happened XXXX - sorry sorry um XXXX, you're fixed rate advance. So when you were receiving your statements it was broken out what you were billed. Judge- as in two accounts? Or what do you mean? I mean was I supposed to be making payments to XXXX segment and accidentally paid to a different segment or what's going on here? I mean I had XXXX home equity line of credit correct? And I paid. I made payments to that account for 12 months. I made a payment on the XXXX month and it sounds like it went to the incorrect segment. Is that what we are saying? XXXX, No, it didn't. **Stop The conversation continues for a very long time. A supervisor is requested. XXXX XXXX comes on the line. Near the completion of the call, XXXX XXXX says, I see what you are saying, you are absolutely correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 Wells Fargo allowed someone to walk into a branch in South Carolina and withdrawal money from my account without the proper identification. This is the 4th time this year. We already had to open up new accounts after the same incidents happened in XXXX after we had froze our accounts after my husband was XXXX at work, They allowed the bad guys to make several transactions after the hard hold was put in place. We opened the new accounts and were guarantied that nobody could get into our accounts without a ID and debit card. This person on the XXXX didn't have these items, I have all of them in my possession. I have never been to South Carolina. Wells Fargo has made accusations that it is a family member, this is not true,. On the XX/XX/XXXX I received a call of from a scammer claiming to be from the IRS fraud department, I knew right away that it was a scam, but I told the guy I wouldn't give any information but he could tell me what he he knew. He knew my social security number, my bank account number, how much was in each account and about my mortgage. This led me to look in my bank account to find the withdrawal they had done in person on the XXXX, This person was trying to get me to give them a security code that would have let them get into my account online, I didn't give it over. The same number tried to call me 8 times in a row. I have received a copy of the withdrawal slip and noticed that the signature used looks like mine. I do believe Wells Fargo has had a breach of some kind, this would be the only way they would know how to sign the way they did, I write the XXXX in my name very specifically and you would have to see it to know it! I have spoken with a Senior Escalations Representative on Sunday the XXXX of XXXX and when spoken to about it being a breach that is when they accused my family and hung-up on me. The only thing they have offered is information to protect myself and excuses. I have protected myself, they didn't protect the customers information or accounts and treat the customer as the one that did wrong. There are many red flags that should have stopped this transaction and banking information from being given out!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A