Date Received: 2023-12-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This person used profane & abusive language defaming my character. They alleged I owed them a debt. I asked them to give me the original contract proving they gave me a loan & they defaulted. They never showed proof of them giving me a loan. They showed me transferring credits from my savings account to a new account which they seem to think they gave me. Then they charged off the account. I funded my own credit, which means they are frauds. They defamed my character, sold my data to 3rd party debt collectors, also committed securities fraud Also The last 4 digits of my social is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My XXXX account has unauthorized transactions going on over the last 3 months, and when I tried to dispute it, I am unable to reach anyone in customer service. Then atm fees, and overdraft fees are being overcharged on my account as well. Found Business Account was closed during a dispute process and was never able to retrieve missing funds or gain access back into my account. They said they closed it, but when I checked on it, I was told the account was still open and active. Providers Bank Card fraudulent and unauthorized transactions from the month of XXXX XXXX XXXX Normally they assist me in any matter that I have but providing this information for my records and your records as well. Wells Fargo still haven't reimbursed me the funds that was fraudulently taken from me and from my XXXX benefits through this account, Forged signature accord to have this account closed, and they been telling for over a year that they will come to a resolution but then hear nothing from them. After we both agreed this account was fraudulent and compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: In XX/XX/, I made an initial deposit of {$490.00} via credit card for a product. According to the email correspondence from the business, the total charge was not to exceed {$800.00} plus tax. However, in XXXX XXXX when I inquired about the estimated time of arrival ( ETA ) of the product or requested a refund due to non-delivery, there was an unauthorized attempt to charge an additional {$800.00} to my credit card. This attempt was automatically declined by my credit card provider. This unauthorized charge attempt brought the subtotal to {$1200.00}, which was not in accordance with the agreed terms stated in the business 's email. Despite opening a dispute with Wells Fargo about this issue, there has been a lack of support and negligence on their part in resolving this matter. I am seeking assistance to address this issue and ensure proper handling of the dispute in line with the original agreement and terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I XXXX XXXX XXXX XXXX had a checking account with wells Fargo, in XXXX I paid my service bills as usual with my debit card. XXXX was paid but apparently water was not. The water company shut my service off for non payment, it was around XXXX XXXX as I was behind in payments and honestly was struggling. I didn't have a lot of money so all of my check went to my bank account to pay for this services and I made sure it was enough. My water got shut off, the bank didn't have my money back, I had to pay reconnection fees and they ended up closing my account because I was never able to get a response from them, I filed with you at the beginning of XXXX and they contacted me but after a couple of calls and them " not finding information '' but they did find my account, they just stopped answering my calls and all communication just stopped without explanation. At the time my XXXX was just a XXXX XXXX and I have XXXX XXXX. We went without running water for a month until I had enough money to pay my water bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was ripped off for {$3000.00}. I thought it was for {$3300.00}. But they blocked two of the " transactions '' and I wasn't aware of that at first. Anyway, so far I've only gotten a cashier 's check for {$2000.00} from the unauthorized " ATM withdrawals ''. There's still {$1000.00} I'm owed from an unauthorized " pc transfer '' though. But a Wells Fargo employee contacted me & sent me a cashier 's check for {$2000.00}. Then he told me " he'd look into it '' -about the other {$1000.00}, then get back to me within ten days, which he didn't. I did receive a few letters from Wells Fargo since then, which I found to be confusing, unhelpful and unapologetic. Anyway, it's super frustrating because this all took place on XX/XX/23, so it's already been a month a & I still haven't received my last {$1000.00} of the total {$3000.00} that was stolen.
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: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Why are you indicating that Wells Fargo Card Services XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached XXXX documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for Wells Fargo Card Services XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: We received a remediation check in the amount of {$200.00} and feel that we are due much more. As we were paying almost {$1300.00} per month for many years and was over charged for our property for quite some time. We were given the run around many times without resolution and several trial payments that seemed not to work. We feel like we are due much more and our credit was affected due to this causing us to file XXXX XXXX back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/ I was charged a transaction I put all the money in the account I was negative on Monday XXXX XXXX and I got charged a {$35.00} fee for XXXX XXXX I was negative for XXXX and this bank has the nerves to charge {$35.00} for being negative for XXXX this is why this bank is always getting sued I spoke to somebody yesterday and I explained to them that I hope I wasn't going to get charged or overdraft fee I got charged overdraft fee this bank is very very sad to charge {$35.00} for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Yesterday I received a {$200.00} check from Wells Fargo ( ref. number XXXX ) for an error that may have occurred when my mortgage was considered for payment assistance options. I called Wells Fargo and ask them what error occurred and when. The agent was unable to provide that information to me. I had submitted a complaint to CFPB in XXXX XXXXnd on XX/XX/15 Wells Fargo replied that No error was found and the case was closed. I believe this {$200.00} check is an attempt by Wells Fargo to limit their liability to customers under the recent CFPB enforcement action. The letter I received with the check is from Wells Fargo Customer Care - Remediation. Given the fact that Wells Fargo gave me a quote for over {$22000.00} to reinstate my my mortgage, when in reality the amount was {$11000.00}, I think CFPB might want to look at what customers and what payments are being made under the enforcement action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I have been pursuing a portion of the settlement agreed to by Wells Fargo and you, the CFPB since XXXX of XXXX. I submit q complain, you forward it to them, they " investigate '' ( them selves ) and find no wrong doing on their behalf, and the complaint gets closed. Wells Fargo continues to play XXXX, and refuse to provide information regarding their operations and administration of the settlement. Even after I've provided documentation to them and you, showing they misled and withheld information regarding a mortgage modification in XXXX. Now, you are once again investigating the bank regarding " equity stripping '' on mortgages. How long will you allow this dirty bank to continue to operate. They have been party to numerous investigations and found guilty of many, and settled others. Please get to the source, and make them pay what they owe to the consumers they robbed. and/or put them out of business. They are exactly what is wrong with our banking system. And at this point you are enabling them, so you can continue to fine them, and receive settlement $ $ s.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A