Date Received: 2023-12-18
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: Please refer my prior compliant against Wells Fargo XXXX on XXXX XX/XX/XXXX about the dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX air tickets- XXXX -in one single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXXXXXX XXXX 2 weeks prior to departure though 3 other family members went via XXXX XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But XXXX rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX travel voucher- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to two agent. One agent made an excuse that the purchase is more than 6 months so now can not be disputed. One agent made an excuse that the purchase is more than 4 months so now can not be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even till now Wells Fargo couldn't do anything regarding this dispute. XXXX XXXX already charged my credit card for XXXX check-in bag and XXXX cabin bag for the entire flight from XXXX. But still my wife ( XXXX XXXX XXXX was charged for check-in bags by XXXX even when it was thru check-in. My wife filed CFPB complaint # XXXX on XXXX XX/XX/XXXX regarding the same. Wells Fargo is simply playing tricks with me and my wife and not doing anything against XXXX and XXXX XXXX. They keep on passing the buck to me and my wife to call separately. Finally today we were on the phone call with them at around XXXXXXXX XXXX central. Wells Fargo need to resolve this dispute efficiently and give us the resolution in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo Bank WELLS XXXX FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX Dear XXXX XXXX XXXX : Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently sent you communications requesting that you update your physical address. As we did not obtain an updated physical address from you, we will be closing your above- referenced accounts. The accounts are expected to close by XX/XX/XXXX or you may contact the bank to initiate closure at an earlier date. Our decision to close your accounts is final. We reserve the right to close your accounts sooner than XX/XX/XXXX if circumstances arise that warrant an earlier closing. Also, be aware that some circumstances may delay the closure of your accounts. To learn more, refer below to " What may delay account closure? '' Please review the following important information to help you prepare for this transition. What this means for the accounts listed above as of the date of this letter : * You may access any available funds until the Account is closed. - We will only authorize new withdrawals or payments from your account if you have sufficient available funds in that account, or in an account linked for overdraft protection. - We must pay certain transactions that are received for processing before your account closes, even if this creates a negative balance in your account. - Thisincludes the payment of any previously authorized transactions ( for example, debit card purchases ), but no overdraft fees will be assessed if you do not have sufficient funds in your account. - We must also process the reversal of any previously credited deposits that are returned unpaid. - If your account does not have sufficient funds, then previously established recurring payments will be declined and checks will be returned unpaid. While we will not assess an insufficient funds fee on these transactions, the merchant you attempted to pay may assess returned payment fees. Contact these merchants as soon as possible to make other payment arrangements. * If you have recurring deposits ( for example, your paycheck or pension ), please redirect the deposits to a non- Wells Fargo account. * Any recurring or automatic bill payments set up from the accounts will need to be canceled or changed to a non-Wells Fargo account. XXXX XX/XX/XXXX * You may continue to receive standard Wells Fargo communications or notices regarding your accounts which may refer to services or features that are no longer applicable to or available on your accounts. Such communications and notices should not be understood as impacting our decision to close your accounts. * While overdraft and insufficient funds fees will be waived following the date of this letter, other fees may continue to be assessed in accordance with your Account Agreement. * For Prime Checking or Premier Checking accounts that are closed : - All accounts will be delinked, and benefits no longer apply, including benefits to delinked accounts. - You will no longer receive discounts, options to avoid fees on other products and services, or the Relationship Interest Rate. - Any delinked accounts will revert to the Bank 's current applicable interest rate or fee at that time. What may delay account closure? Account closure may be delayed beyond the date listed above. The most common reasons include : your account has a negative balance, is subject to a legal order hold, or has pending transactions. If the continued presence of pending transaction ( s ) is causing the delay in account closure, the bank may place a block on your account to prevent the authorization of new deposits or withdrawals. After the items preventing closure are resolved, we'll proceed with closing the account and send you a final statement. What happens to the balance in your accounts when the account is closed? If the account balance is positive at closure, we will mail a cashier 's check payable to you at the address above for all money due to you. We are here to help : If you have any additional questions, please give us a call. We're available Monday through Friday, from XXXX XXXX XXXX XXXX XXXX Eastern Time. . If you're in the U.S, call XXXX o Option 4 for Small Business o Option 5 for Personal ( Consumer ) Accounts. If you're outside the U.S., call collect at XXXX using the country 's specific instructions for calls to the U.S. You can also call us using your countrys Wells Fargo International Access Code which can be found at wellsfargo.comXXXX Wells Fargo Bank , N.A . XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I have received information from Wells Fargo of a signed formed but not the info i requested. if the XXXX sent you monies on my behalf, where did you apply those funds and why are you unable to provide proof of those funds. if you are unable to provide info that the monies were applied, then you cant possibly say i was delinquent. i may have signed a form because you said i was delinquent and that is because you didn't apply the funds from the XXXX that was sent on my behalf. where did you apply the monies the XXXX sent you on my behalf. i was not delinquent. i was current and a partial claim should have never been submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Filed several complaints re fraudulent checks being deposited into our childs savings account, and then wire transfered out before the checks were caught as fraudulent .The account was drained. Then after doing nothing, the bank told we owe the money back and that it was determined that " we '' did it. The checks were clearly fraudulent, not signed by anyone from the account and eventually rejected after wire transfer. The bank told us they did an internal investigation ( that they would not share with us, or give us the source of findings ) and just said " it wad determined by the bank the transfers were considered authorized and made by you with no bank error or fraud ''. We are well aware of how easy it now is to mirror someones phone number, as well as all the fraud that happens daily just like this to thousands of people who get their information stolen. The bank investigators could and would not supply the evidence to support " it must have been us that did this '' I always believed that the proof needs to be given to support their findings and just telling us " we are at fault '' when we had nothing what so ever to do with this except be victims would lie on the bank proving their claim that " we '' did it. Where is the proof? We are asked to just be ok with them saying so? I don't think so and we would like clear, specific answers to whom stole our daughters college fund and treated with some respect instead of negligent. We request tangible proof to their claim that it was us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened my Wells Fargo Cash Back credit card a couple of months ago and have been using it without issues since then. I typically run up the balance and consistently pay it down by making payments every 2-3 days. I've not had an interest charge yet and have made about {$150.00} in rewards and {$200.00} in bonus. I went to make a payment today and got an error saying " You've reached your limits of payments allowed to this account from non-Wells Fargo accounts ''. I called in and they advised me it was a tactic to have customers sign up for a Wells Fargo checking account. When I mentioned CFPB they said they could take a payment over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Attempted to get a loan modification several times and was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company is Wells Fargo Bank. When I applied for a loan through the bank Wells Fargo sent me a denial that I received that my income, my money came to me from a public service or source and I might not have the capacity to lock into a loan contract. This is discrimination. I receive social security XXXX that is not a gratitude but, an insurance policy that was paid for and earned by me, and my work credits were earned by me. I want this challenge! In New Jersey, there is a case law that my Social Security XXXX insurance is not public assistance. It's not XXXX and I'm not mentally ill and I am requesting a public apology or I plan on bringing suit. This is the reason i was denied a loan and they should be ashamed to say such a thing and use that against me when it is not true. XXXX, Thank you for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: I submitted a wire transfer on XX/XX/2023 at the Wells Fargo location in XXXX XXXX for the amount of {$92000.00} to my new bank. I received the receipt and the bank stated XXXX days before the funds will be transferred. My wife then called and inquired about closing the account once all transactions were settled, the bank stated once all transactions were settled the account would close acknowledging the wire transfer. I received a call from the XXXX branch manager XXXX XXXX XXXX stating there was a bank error and that the account prematurely closed causing the wire to not go through and causing both Wells Fargo and my new bank to show zero balance. When I asked the manager XXXX where the finds he stated he was not sure possble still in the closed account. He stated he would try to reopen the account to retrieve the funds. after a week with no response from the manager XXXX, I called him and asked for an update. He stated the funds were sent via cashier check without my permission and with no verification of address and signature. It now has been weeks later and there have been no cashier checks for the amount stated. Additionally, the Wells Fargo Bank location incorrectly listed the transaction as a payoff debit transaction instead of a wire transfer. This was my wife and life savings and we had essentially been denied access to these funds without our permission. I have records of the receipts and phone records of speaking with the branch manager. If I do not receive the funds soon I will be forced to go into litigation with wellsfargo, I have already spoken to my lawyers and they stated there is a strong case for a class action lawsuit because wellsfargo did not follow their terms of agreement and policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95677
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdrawn reimbursement of obersrft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the following days I couldn't find my card and called Wells Fargo customer service to report my los card.. Date XXXX The case number is XXXX Date XXXX called again customer service tell them to freeze the through the Well Fargo app they had stolen the amount of XXXX XXXXXXXX XXXX from me had made the purchase of a Clipper chip with my card. claim XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A