Date Received: 2023-12-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my checking account through a web page that advertised {$300.00} for opening an account and also making direct deposits of over {$1000.00} in the next 60 days. On the web page, there was a link to open the account right from there or it said you could go to the branch and open in person with a code. I pressed the link and continued to apply and open an account. I made the qualifying direct deposits. After 90 days I called to check when it would come and they said anytime during the month but then they saw no banking code attached to my account and said that I would not be receiving the {$300.00}. I was transferred and told the same thing. I asked for it to be elevated to a supervisor to verify what was going on. I have since received a letter stating I would not receive the funds because there was no code attached to my account. I have spoken to them 3 different times. There is no resolution and I know for a fact that I should be receiving the money because I was comparing bank offers for opening an account and went with them because of the XXXX. Please help me resolve this. Maybe there is a way for them to trace back to the web page that I started from. Thank you for your time,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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 authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802. 15 U.S. Code 6805 - Enforcement Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I am writing to lodge a formal complaint against Wells Fargo Bank concerning serious issues that have significantly impacted me, including widespread unlawful mismanagement of my accounts and the unauthorized creation of fraudulent accounts in my name. This complaint relates to two separate consent orders Wells Fargo has been involved in in which they have been ordered to comply and cease the unlawful activity. Wells Fargo continues to violate consumer laws. Wells Fargo has also gone outside of the allowed time limitations to address these claims. In XXXX, Wells Fargo was subject to a consent order due to mismanagement of deposit accounts, which directly affected my banking relationship with them. My accounts were mishandled, resulting in incorrect fees, charges, etc. Furthermore, as part of a prior separate scandal and consent order in XXXX, it was discovered that Wells Fargo had fraudulently opened deposit accounts in consumers names without knowledge or consent. Wells Fargo continued this activity despite the consent order being in place as documented by a fraudulent account opened in my name in XXXX. The account is question was one of the accounts involved in remediation and Wells Fargo attempted to conceal this account from me in an attempt to coverup their illegal activities. Wells Fargo has acknowledged liability for these actions, as evidenced by their response to my communication as well as identity theft claim filed with the Federal Trade Commission, where they admitted that the accounts were created without my authorization or knowledge. This acknowledgment was received on XX/XX/XXXX, as per their communication Claim # : XXXX. Beyond these serious issues, Wells Fargo has committed several additional violations of consumer protection laws, including unfair business practices, deceptive acts, false and misleading representations, further exacerbating my distress and financial losses. As a result of these willfully negligent actions by Wells Fargo, I have suffered financial loss, emotional distress, loss of use of funds, loss of wages based on the countless hours I have spent on researching and communicating to clear up this matter. This situation has had a profound and detrimental impact on my financial and mental well-being and trust in the banking system. It is even more stressful on me that Wells Fargo has failed to uphold quality practices and regulatory standards, as these unlawful actions still continue despite orders from the Consumer Financial Protection Bureau. Wells Fargo even neglected accounts that are actively involved in remediation. I am looking to the CFPB for assistance in resolving these issues and holding Wells Fargo accountable for their actions. Please find attached supporting documentation, including correspondence with Wells Fargo, statements of the affected accounts, and evidence of Wells Fargo 's acknowledgment of liability. Due to the large amounts files documenting all the violations against me, additional documentation is available at your request. Thank you for your attention to this serious matter. I am eager to see a just resolution and trust that the CFPB will take the appropriate steps to address these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My truck was impounded multiple times ( at least 7 ) due to overdraft fees and payments not being processed. I had to pay gate fees, late fees, I was almost evicted from my house one time from having to utilize all my funds just to get the truck back to get to work and back to pay the rest of my bills. This was in the year between XXXX i ended up losing my job for not being able to get to work on time multiple times due to WF errors. It was my XXXX XXXX XXXX. Please look into this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: In XXXX, I went to an event to help get a loan modification from ASC/Wells Fargo XXXX The loan counselor stated my chances for a modification looked excellent since I was actually getting paid more money and had a more stable job. The modification failed and she wasn't sure why. This resulted in me going into foreclosure and I had to do a short sale. I just received a check from Wells Fargo for {XXXX} however, since my lack of modification with out any reason why resulted in a foreclosure/short sale I have seen information that others with this result have gotten paid out over $ XXXX. I wanted to inquire as to what the {$200.00} is for. The statement with the check only states that when the loan was being considered for loan assistance options, there may have been an error. It doesn't actually say what the payout was for. I believe my payout should have been more than {$200.00} since it resulted in foreclosure, selling my home and finding a place to rent. My salary has only increased since applying for a modification which I would have been able to pay the mortgage, have a better credit standing and selling my home if I so desired at a much higher value. By proceeding the only way to cover less loses, I suffered financially and emotionally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ), Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The credior 's, inabily to truthkuly depict an obligation payment or cred! ' that. was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed toreflect the agreed-upon payment. This is A Violation Under 15 USC 1666b. I Was incorrectly Billed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: WF, I trust this letter finds you well. I am writing to formally request a comprehensive review of my denied claim, involving unauthorized transactions totaling {$150000.00} on my account. I recently received notice from the claims department that my claim was denied on the grounds that the transactions were authorized by me. I wish to emphatically state that I did not authorize these transactions, and I have substantial evidence to support my claim : 1. Police Report and Suspect 's Confession : o Attached, you will find a police report detailing my victimization through identity theft. The suspect has confessed to using my identity to deceive bank staff into wiring funds without my authorization. 2. Proof of Work Attendance : o Additionally, I have attached documentation proving my presence at work during the time of the unauthorized transactions, further confirming that I did not initiate these actions. 3. Wells Fargo Authorized User Policy : o Finally, I have attached the Wells Fargo policy stating who is considered an authorized user. The suspect was never an authorized user and I never gave him my banking information to wire money. As a matter of fact, Ive never made a wire in my life. I am seeking a fair and thorough review of the evidence provided. It is my firm belief that the circumstances surrounding this case warrant reconsideration and prompt resolution. Id like to stress I DID NOT make these transactions and I am asking Wells Fargo to pay me back for the unauthorized transactions. Wells Fargo has a duty to reimburse me for the unauthorized transactions by law and my customer agreement. I am available at XXXX or XXXX to provide any additional information or clarification required for the mediation process. Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was making payments on a Cancelled Credit Card in order to pay it off slowly by making small payments every month. The Bank raised the amount 2 or 3 times without my consent of knowledge. They also didn't pay others prepaid bills that were due so that they could collect more money toward this cancelled card, which made me extremely delinquent on several household bills. Some companies cancelled my accounts ( Insurance payments, phone payments, etc so they could apply more money to their Credit Card. I admit to the Debt, but my intentions was NOT to apply All my money to the defaulted Loan. I believe I started out paying {$50.00} per month toward the Card in good faith to pay it off eventually. But the bank kept raising the amounts without my approval & without my knowledge. They are up to {$150.00} around the XXXX of every month. I tried to cancel or change the amounts but there was no option to do so. I Did ask to lower the payments & they said it wouldn't be enough. They told, me that someone had hacked my account & that they had to cancel my card. I was never informed as to who or what was done. But, during that time I couldn't use my Card to pay bills and I was never told what or who hacked it. Which meant I couldn't pay my bills without my card. They also said that I REQUESTED that my Card be cancelled. I am on Social Security & have XXXX XXXX. By taking so much money out of my account I can't pay my bills as needed. I don't know what I can do to Stop them from doing this... It started out as a gesture of Good Faith... and they used it to bring my Finances to an all time Low.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I put money including {$1700.00} in my Wells Fargo account that was given to me to feed the seniors and homeless dinners on XXXX & XXXX, however the money was fraudulently taken from my account around XX/XX/ and after I reported it around XX/XX/, I filed a police report with the XXXX Police Department and the same company had taken {$100.00} so I filed a claim for that one too. I was told over the phone that it was done by me or someone with my permission and that I wasn't going to get my money back. I filed a few more claims as I took the situation to the highest the corporate level and recently again was told that the claim could not be opened, but the agent who was on the phone told me that XXXX gave them the information to reject the claim saying basically that it was not fraud. I have asked several times where did my money go because you said it was a purchase so where did the purchase take place because according to my account all of the transactions shows a merchant name on it except for the {$1700.00} & {$100.00} which has no name on there but the company did grant the claim and I was refunded {$100.00} back to my account so I contact Wells Fargo again about the {$1700.00} and was again told that I would not get that money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A