Date Received: 2023-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a complaint to the Consumer Financial Protection bureau XXXX Wells Fargo 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 and XXXX XXXX and its employees XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX for illegal buisness practices, stalking, harassment threatening its customers, retaliation, violent behaviors, stalking, harassment and closing down my accounts for excessive claims and stating I would no longer be allowed to continue using my accounts for little to no reason. I am also reporting Wells Fargo for keeping me from using my accounts and debit cards for 1 week and retaliating by keeping me from purchases for filing complaints with the CFPB and claiming it was for excessive claims when the account was newly used. Wells Fargo also refused to address various complaints of stalking and harassment by its employees XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX for illegal harassment and misconduct towards me none of the complaints were addressed. Wells Fargo withheld funds from me for no apparent reasoning. Wells Fargo refused to give me access to my funds and any money for one week which inhibited my ability to access goods, services and other important services. It is unusual and against Wells Fargo practices to close down an account for excessive claims when the account was fairly used. I had a previous account with Wells Fargo which had several claims but was closed. I contacted Wells Fargo to close down an account and was told that the account claims would not transfer to the new account. It is also concerning because the account was the account that had excessive claims that I closed down and reopened so my accounts shouldnt have been closed down because they were new and did not have excessive claims. Wells Fargo continues to participate in deceptive buisness practices by withholding my access to my funds, closing my accounts and participating in further illegal issues. When I went to Wells Fargo XXXX XXXX XXXX XXXX I met with XXXX XXXX, XXXX XXXX, XXXX XXXX who further participated in illegal financial activities by withholding my funds from me stating I was in the fraud department and also stating they dont have any money. The fraud department was contacted and stated to release my funds immediately that there is no fraud. XXXX XXXX, XXXX XXXX, and XXXX XXXX illegally refused to release my funds. I went to Wells Fargo located at XXXX XXXX XXXX XXXX where I closed the accounts down and was charged a fee. I contacted XXXX XXXX to assist me with the fee. I was transferred to XXXX and was verbally harassed for removing my funds. Not only does Wells Fargo participate in illegal buisness behaviors, falsifying information and retaliatory actions against it customers but I was actually harassed, withheld funds from then retaliated against for removing all my funds from my account. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, would harass me and behave XXXX projecting their XXXX XXXX towards me violently. Wells Fargo employees XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX participated in illegal retaliatory behaviors, threats, harassment and violent behaviors towards me for choosing to remove my accounts for deceptive buisness practices, behaviors and using its employees to threaten customers. XXXX XXXX, XXXX, retaliated against me for closing my accounts by contacting the police who followed and stalked me. There was nothing that I did to be treated in such a deceptive manner while Wells Fargo participated in illegal practices. I was also stalked by various Wells Fargo employees. After closing down the accounts Wells Fargo employees then stalked and followed me to locations outside of Wells Fargo and even retaliated against customers because I closed the accounts. I write this to report deceptive and illegal behaviors by Wells Fargo and their employees. I was also stalked and harassed by Wells Fargo employee XXXX XXXX who looked into my accounts against my permission and participated in violent stalking, obsession and harassment. I write this to the Consumer Financial Protection Bureau to report deceptive and illegal buisness practices by Wells Fargo 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 and XXXX XXXX and their employees XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX who actively participated in illegal and deceptive practices, stalking, harassment, attempted theft and encouraging, stalking, illegal practices and further harassments by its employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: - Name : XXXX XXXX - Claim Number : XXXX - Account Number : Checking Account ending in XXXX - Date of Fraudulent Transaction : XX/XX/XXXX - Transaction Description : Unauthorizedwire transfer of {$1600.00} XX/XX/2023 ( Friday ) @ XXXX an unauthorized wire transaction of {$1600.00} was pending in my checking account ending in XXXX. Within the hour, I immediately went into a physical Wells Fargo Bank location ( XXXX XXXX XXXX, XXXX, GA XXXX ). XXXX was the representative that I spoke with, I gave him the rundown on how there was an unauthorized pending wire transaction and that my bank account and cards were BOTH compromised, due to fraud. He called the fraud department and had me speak with them directly. They told me that I would get my money back within 10 days as well as the claim number and any other further details on the case sent via letter in the mail. ( Claim : XXXX ) XX/XX/2023 ( Friday ) @ XXXX I called Wells Fargo Customer service number ( XXXX ) for an update on my claim and to request a provisional credit. I originally spoke with a man who straight up told me " yea you're going have to deal with your money being lost cause there is nothing we can do ''. After receiving his pathetic response, I asked to speak to someone else, in which I was transferred to a sweet lady. She was able to get a " case specialist '' for me to help further investigate my situation and give an update. I was told I would hear back from the " case specialist '' within 2 days. ( They never reached out ) XX/XX/2023 ( Tuesday ) @ XXXX I had an appointment with XXXX XXXX XXXX XXXX confirmation code : XXXX ) to discuss my case and discuss the fact that I have NOT received any letter in the mail or information regarding my claim, whatsoever. This is the same Wells Fargo location I went to on XX/XX/2201 XXXX XXXX, XXXX, GA XXXX. When XXXX called the fraud department they told her that my claim was denied. This is the FIRST time I was hearing this AND they never gave her a specific/EXACT reason on why my claim was denied. She gave me the option for her to retype out my case meticulously in a letter to send to a " case specialist '' for a further investigation on my original claim, and also requested to find out EXACTLY why it was denied in the first place. I was told this was reopening my case but only given a complaint ID : XXXX She told me it'll take about 2 days for them to review my case then they will call me directly.XXXX XXXX was very sweet and had great hospitality when dealing with my case, at this point in time. XX/XX/2023 ( Friday ) @ XXXX I received a phone call from my case specialist. However he informed me that he just got assigned my case and still needs time to review. He let me know he will either email or call me by XX/XX/XXXX ( the latest ) to give me an official review of my claim. No information or helpful actions were provided during this call. XX/XX/2023 ( Friday ) @ XXXX I called Wells Fargo Customer Service number ( XXXX ) to get an update on my case since no one reached out from the last call ; I did not receive any information via email/phone. Eventually I was put in contact with a different case specialist named XXXX XXXX. He told me in order to get my money back I would need to request a letter from my cell phone provider ( XXXX ) saying that my phone number was being compromised to prove that I was unable to make the unauthorized online wire transaction at the time ( XX/XX/XXXX ). Which didn't sit right when an online fraud wire transaction can take place via phone OR a computer, and the wire transactionwas NOT linked to my number. XX/XX/2023 ( Wednesday ) @ XXXX I called the Wells Fargo online fraud department number ( XXXX ) to get an update on my dispute. After giving them a short summary of my situation ( starting from the beginning, XX/XX/XXXX ) they transferred me to a different department to discuss further details on my case and to help me understand what was going on. After speaking to XXXX she let me know the dispute was denied again after a couple days of reopening it. She then transferred me to the fraud department stating that they will have further details on why my claim was denied 2x ( without notification ). At this point I'm being passed around without consideration. When I finally got transferred back ( to the original fraud department I called initially ) they told me they didn't have the authorization to access the case to give me the specifics on why it was denied. So the FRAUD DEPARTMENT can't tell me why my FRAUD claim was denied ( 2x )? I asked for a supervisor which, thankfully, I was able to get in touch with. But yet the SUPERVISOR of the FRAUD department still wasn't able to somehow access the specifics on my case??? They then said they would schedule a call back from a certain department to give me a call within the next two business days. It is XX/XX/XXXX and I have not received any follow up call, email, or letter. Between XX/XX/XXXX and XX/XX/XXXX I have called MULTIPLE times in trying to desperately get a clear answer on my case. I was told I would get my money back guaranteed and case reopened but yet no funds have been deposited. Other times employees would tell me that I would " just have to deal with the loss ''. What kind of customer service trainees is Wells Fargo Hiring??!?!? Its pathetic and a waste of time. I want my money by the end of the month AS PROMISED FROM PREVIOUS WELLS FARGO EMPLOYEES!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 45 years Wells Fargo account holder. Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call from a Wells Fargo executive was the following " You must be collateral damage from the account holder 's illegal actions ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. I believe this comment was racially motivated. As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. I wire XXXX every two weeks to XXXX to fund the Hospital operation. I have been wiring money for the past 15 years. They know my business depends on these funds. I believe I am also a victim of racism as they clearly know Im XXXX and these funds are going to XXXX. ( My hospital is globally known and is recognized by US institutions including the UC health system ) XXXX XXXX dollars of assets frozen which paralyzed my business. I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 45 years Wells Fargo account holder. Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call : " You must be collateral damage from the account holder ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. XXXX XXXX XXXX XXXX, FACS, 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 XXXX XXXX de XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California , XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX , XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, Ext XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92118
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My mortgage company sent me a letter stating an error may have occurred when my loan was considered for payment assistance options and a check for {$200.00}. The error which occurred is not OK with me. It resulted in foreclosure and the loss of my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I sent a check to XXXX XXXX XXXX for {$17000.00} and mailed it at the XXXX XXXX, Florida, XXXX XXXX. On XX/XX/2023, Wells Fargo deducted the money out of my account clearing a check made out to XXXX XXXX XXXX but endorsed by someone named XXXX XXXX. On XX/XX/2023, XXXX credit card informed us that we had not paid their latest invoice and cancelled all our charges. When we checked with our Wells Fargo account online we discovered that they had mistakenly paid someone other than XXXX XXXX XXXX. I immediately contacted Wells Fargo fraud line on the phone and informed them. They gave me a case number. I have called the fraud department a dozen times and asked for updates as to when we can expect the return of our money and have never heard back from them once. I went to my branch manager and told him to find out what happened and he said it could be resolved in a few days or NEVER. I have spoken to Wells Fargo complaint department and they now say that another bank cashed this check in error and they have to recover the money from them before we can EVER get our money back. I have reported this to the police in XXXX XXXX and they also say that they will investigate but there's nothing they can do. In the last two months no one from Wells Fargo will return my phone calls except one person in the 'complaint ' department and she says that there is nothing she can do-nothing any of her managers will do either. I don't understand how it is possible for a bank to mistakenly pay the wrong person and then penalize the bank client that trusted the bank not to do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter saying that I need to update my business checking account with my physical address. I updated the address to match my physical address ( matching my drivers license ). I received another letter saying the account will be closed. I called and verified the address over the phone. they confirmed that the address is updated and I should ignore any further letters. 2 months later they closed my account and seized all the balance in my account. that disrupted my business as all my online business and Stripe account was tied to that account. I called to ask why it was closed they said there are two profiles on the system and one had the wrong address. I explained I only have one account and one profile that I can access online and on THAT profile, my address IS updated and the proof is the last letter they sent me DID come to my home address! The bank in question is WELLS FARGO
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: I tried disputing XXXX charges from XXXX XXXX. XXXX is claim number XXXX for {$410.00} and the other is XXXX for {$310.00}. I never receive the merchandise. On Monday, I saw that they charge my card for the amounts. They never emailed me or told me that the dispute was closed. I called and talk to someone on XX/XX/XXXX named XXXX. He told me they provided the tracking number and they were delivered to my address so there is nothing they could do. I still have not receive the merchandise. He told me it was a police problem since the package was stolen. I called again and got the same response. On XX/XX/XXXX, I talked to someone from the XXXX branch. They gave me a case number XXXX. They told me they would look into it. Today, XX/XX/XXXX someone called me from the XXXX team and they can not do anything about it. They never gave me an email or message that the dispute was closed and the proof they got from the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I Filed a claim with Wells Fargo Bank approximately XX/XX/2023 and then they said it might take about a week to 10 days to resolve It They told me on XX/XX/2023 there was some suspicious fraudulent activity on my account. I told Wells Fargo that I had my wallet and my phone stolen and my PIN was in my wallet. They told me they would have it resolved in 10 days.about 7 days into the claim they wrote me an email stating that they would be working on it and they are working on it and they will get back to me and that I would receive a credit to my account while they are working on it. Then about 2 days later after that I received another letter and they told me that they were working on it still and that and that they would you know contact with the need anything again I did receive another letter and they noticed that on some of the transactions that my PIN was used and based on this they felt that either I or someone I knew did these transactions. And at this point they would be able to do nothing more and that the claim is now done nothing more to be done.So being as upset as I am I went to the internet to see if I could see if anyone else had gone through a claim with Wells Fargo and in fact they had and they had been given the same response as they had given to me that's was that Wells Fargo had told them the same thing that they were or someone that they knew was at fault.i then decided to get a hold of you and when I was reading the internet they had success when they got a hold of the consumer finance.gov and had a very good response in getting what they needed accomplished. At this point I decided to personally write to you myself and explain what I had gone through and I felt very good about what you do for the people when they have a problem and you're there to help them and resolve it and at this point I'm out approx {$3100.00}. XXXX and we all work hard for our money. Please help me resolve this issue as I feel you're organization>people respect and have a deep regard for. It appears that Wells Fargo really has a very narrow minded opinion about these claims brought before them. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A