Date Received: 2023-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: File a claim with several unauthorized transaction was denied for no clear reason and unjustified reasons
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87144
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report. I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. Sincerely, By : XXXX : XXXX XXXX / XXXX / XXXX in fact. For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I believe that Wells Fargo unjustly charged me for flood insurance. In XXXX of XXXX, I received a letter from WF stating that I did not have flood insurance and per their policy, if I did not send proof that I was not in a flood zone, my escrow account would be charged. WF stated that in XXXX of XXXX, they received a letter from my past flood insurance agent stating that I was not covered by them because of lack of payment. WF told me that they did not act on this information at that time. Previously, out of an abundance of caution, I had purchased flood insurance even though I was not in a flood zone, and my house was raised XXXX feet above the ground. When the cost rose, I chose not to renew the policy. My account was charged {$1300.00} on XX/XX/XXXX, to cover a flood policy dated XX/XX/XXXX XX/XX/XXXX. I sent in a XXXX from XXXX dated XX/XX/XXXX, which showed that I had not been in a flood zone since XXXX. WF stated that since the XXXX was dated XX/XX/XXXX, and the policy was for XXXX XXXX, it was their rule that the payment stand as is. Again, I received the request from WF in XXXX of XXXX and therefore could not have sent it before XX/XX/XXXX. I spoke with several employees of the XXXX flood map team, and they all said that my XXXX was proof that I was not in a flood zone during the time in question. After many months of talking to Wells Fargo customer service, their insurance department, and many escalation representatives to try to resolve this issue, WF opened a case at the executive level on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I was told that the ruling stood, and my account would not be refunded. My loan was transferred to XXXX XXXX the day after that decision was made on XX/XX/XXXX. During the time that I was debating this, I was told by a supervisor on the executive customer service team that he knew this was unfair, but it was WF policy. I feel that this is unethical, and I would like WF to send a refund. Please advise. ( I was also charged {$1100.00} in XXXX of XXXX for flood insurance, but it was refunded because of the XXXX from XXXX. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XX/XX/XXXX, my father opened a trust with XXXX attorneys in XXXX, Ga. He designated me trustee. I was tasked with putting his assets in the trust, my father had XXXX. His bank accounts were in Wells Fargo, XXXX XXXX a Wells Fargo employee handled our paperwork.It took three tries to, get it correct. My father only came with me the first time. The accounts were in the trust,XXXX XXXXXX/XX/XXXX. My Dad passed XX/XX/XXXX, XXXX years later. When I first contacted the bank I was told they had the death certificate and needed nothing else from me as the trustee. When I spoke to XXXX XXXX my fathers WF financial advisor he told me we needed to take an RMD from his IRA and I would need an account to put it in. I had already applied for an EIN. WF opened two new accounts in the trust with the EIN, because the existing accounts were not owned by the trust as requested, the trust was the beneficiary. Then WF tells me that my POA did not allow me to open these accounts. They tell me I must go to probate. They requested a copy of my POA as they were missing the first page and I gave them my Certificate of Trust, as well. They have frozen the accounts and are insisting I must probate, even though my father set this up so we would not need to probate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
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: Problem making or receiving payments
Consumer Complaint: XXXX XXXX write electronic check for credit card XXXX XXXX - accidently write second electronic check for same dollar amount credit card XXXX XXXX - contact Wells Fargo to alert them to the issue requesting they cancel the second payment as it will severely overdraw my account. I file a claim. XXXX XXXX - alert the XXXX company XXXX that an accidental double payment was made. I let them know I did not have money in the account to cover the second payment. They said they had not yet received the double payment yet. They request that I fax a voided check and a bank statement to them verifying the information. I did this. XXXX XXXX Check with Wells Fargo again. They tell me the reason they cant undo this is because they are using a third party to disperse electronic payments, but that I should just wait and since there is no money in the account to cover the second check, the check will bounce. It did not and the account now has a negative {$1000.00} and the savings account has been emptied. XXXX XXXX - since it is the holidays and I am on a fixed income, I call WF numerous times and am passed around to at least a dozen different people, offices, countries, with no results. This is a Wells Fargo issue. They give no option to resolve accidental double payments. Their customer service is a big mixed bag, mostly not good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
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: Problem accessing account
Consumer Complaint: Not able to access the online Wells Fargo and debit card being used by somebody and has access to the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
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: Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is in reference to prior complaint number XXXX. The complaint was closed but never resolved by Wells Fargo. Wells Fargo is trying to force a debt onto us. Wells Fargo has stated that because a new account was not opened in the name of the new guarantor, that the debt remains. However, the new guarantor is now deceased, several months after ownership of the company and all debts were transferred to him. It is impossible to ask for a new account to be opened by the guarantor when Wells Fargo dropped the ball 6 months prior to the death of the new owner of the company. In addition, Wells Fargo admits in their attached response that they received a letter from the new owner to remove us from all debts with the company involving Wells Fargo. We don't owe any debt to Wells Fargo regarding XXXX XXXX XXXX, or anybody for that matter. But Wells Fargo is using fraud, false claims, deception, and unfair and deceptive practices by not taking our calls nor resolving our matter by constantly extending the resolution to our case. They are acting irresponsibly and illegally. Wells Fargo is trying to push the deceased owner 's debt onto us without any justification or legal basis. My husband XXXX XXXX and I ( XXXX XXXX ) sold our interests in XXXX XXXX XXXX back to our partner on XX/XX/2023. Our partner, XXXX XXXX, assumed all debt owed by XXXX XXXX XXXX at that time via a signed contract and an additional letter submitted by him to Wells Fargo. XXXX XXXX and I then physically went into a Wells Fargo branch in XXXX, VA and removed XXXX and XXXX XXXX off all of the business accounts with Wells Fargo representative XXXX XXXX. I followed up with the Wells Fargo Business Credit Card Services via phone on XX/XX/2023 to confirm removal of XXXX and I from the Business Line of Credit account ending in XXXX and a Credit Card account ending in XXXX. After 2 weeks and several phone calls I made personally to the Small Business Credit Card Services department, an associate in that department emailed me a form on XX/XX/2023 titled Small Business Lending Guarantor Liability Affirmation to fill out and have XXXX and I completely removed from liability on the XXXX XXXX XXXX XXXX credit card and Business Line of Credit. I promptly filled out the form, faxed, and emailed it back to SBOH Customer Correspondence, as directed by the associate in the Small Business Credit Card Services department. As of XX/XX/2023 XXXX and I stopped receiving any statements or correspondence on any of the above listed accounts. Suddenly, 7 months after filing all required paperwork, in XX/XX/2023 my husband XXXX checked the mail and there was a notice of a past due balance on the above listed accounts. This prompted me to again call Wells Fargo Small Business Services using the same phone number I was given to use back in XX/XX/2023. I was on the phone for approximately 2 hours constantly being transferred to various different departments because every department claimed it was not an issue their department handled. Finally, I was given a case number by XXXX XXXX of the Small Business Resolution Team : XXXX with the promise that Wells Fargo would resolve our issue and remove us from The Business Line of Credit and Credit Card accounts by XX/XX/XXXX. However, since then Wells Fargo has emailed 5 times to extend the amount of time needed to resolve our issue with the most recent extension being sent on XX/XX/2023 to extend until XX/XX/2023. When I try to call, I receive the same run-around of being transferred from department to department with no one being able to locate or resolve our case by removing us from the aforementioned accounts of XXXX XXXX XXXX. XXXX XXXX and I do not owe any of these debts. XXXX is an XXXX XXXX service member and Veteran with the XXXX XXXX. Wells Fargo has been taking advantage of a Veteran and XXXX XXXX service member, as well as his military family members by not adhering to their original promise in XX/XX/2023 of removing XXXX and I from all XXXX XXXX XXXX debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX XXXX XXXX XXXX XXXX b/c of covid I was not receiving a normal paycheck I called my lender and asked them for assistance. they paused my payments and I was told by the rep that I would not be reported late. but both XXXX and XXXX were reported late in XXXX I since have been current with my mortgage and have made attempts to have the late charges removed or reported as no data as did the other months during the covid pandemic. WellsFargo has refused to do so. I have spoken with them and asked them to help me but I feel that they are not willing to do so b/c of my ethnicity and in fact discriminating against me b/c I am XXXX. I spoke with XXXX in your main office. She was horrible and treated me with a very dismissive tone. Is it wellsFargo normal practice to be antisemitic? I unfortunately believe it is and if I had another background they would have taken my concerns more seriously. It disturbs me that in today 's climate WellsFargo would opening discriminate in such a way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I requested a copy of my loan contract of my car loan with Wells Fargo, and here 's what I discovered? I was not included in the gap insurance settlement, nor did I receive a refund for the gap insurance, that I paid for while I had my vehicle? I spoke to a gentleman named XXXX last Wednesday XX/XX/XXXX, who told me that gap money can be used as part of the repossession money to be paid back to the loan? I investigated his statement to me, and found that to be false! Also, I am including a copy of the contract that states that before a vehicle is reposed, they will send me a letter stating that I have 20 days to get my loan current before the repossession unless I have defaulted on my loan in the past, and they have sent me a letter before, which has never happened? If I was late, I would get caught up as quickly as possible, before such a thing occurred? There is no letters of default on my loan never sent to me, I even asked, and they have no record, that nothing like that ever occurred? Their are also many discrepancy 's as to what day my vehicle was reposed? My vehicle was reposed on XX/XX/XXXX, which if you look at my payment history prior to the repossession, I had just made XXXX payments? XXXX on XX/XX/XXXX, and another on XX/XX/XXXX, so I was clearly trying to get caught up, and in communication with Wells Fargo, again with no letter sent to me, giving me a 20 day notice which is again in their contract that I signed? without any warning whatsoever, they still reposed my vehicle, which they came late at night to do so! I feel I am entitled to the money I paid into for the GAP insurance, along with the wrongful repossession, which was illegally conducted, along with I'm not sure what the {$810.00} that says Total other charges/ Amounts paid to others was even for, which is on the first page of the contact that I signed, along with they have to send me a 20 day notice prior to my repossession, also again I never received? ^The settlement for the wrongful repossession was {$4000.00}, I was also never included in? I also feel that I am entitled to money from the victims relief fund, because this was a very scaring situation that happened to me, that I have had to live with mentally, that should have never happened as wrongfully as it did! I was left with no vehicle, and had to pay for rides, not only for myself to get to and from work, but being a single mom, I had to find a way to get my daughter to and from school or daycare at the time, as well, as pay for rides to get to the grocery store or appointments, outside of work, or my daughter school, or daycare, as well as my mom depended on me to go to her home after work everyday to help her with chores, going to the grocery store, or whatever she needed? I was unable to take her to appointments, so we had to either reschedule them for her, or cancel until I had another vehicle again? Plus I had to somehow set aside money, to try and get another vehicle, which with everything I had to pay out for rides, was very hard and costly. I would like a real deep investigation, along with all the money I was entitled to, as well as compensation for my pain and suffering, from this very horrible experience with Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68107
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A