Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In the month of XX/XX/2021 I was in the XXXX with XXXX XXXX for about 20 days. I was 30 days late on my Wells Fargo credit card bill. Now I am trying to buy a house its really effecting my credit score. Can Wells Fargo please remove this late charge from my credit report as a one time curtesy! I have never been late on any of my statements! I hope you will understand and will help me with this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
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 status incorrect
Consumer Complaint: On XX/XX/2023, Wells Fargo Bank changed my and other consumers Custom Management Checking Account to Everyday Checking Account. In so doing, they have closed my oldest financial account ( opened on my XXXX birthday ) and thereby negatively impacted my credit score ; credit rating agencies now report a significantly lower average age of accounts and credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
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: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo closed my checking account, savings and credit card accounts in XX/XX/XXXX for no reason and they are refusing to refund my money that was issued to me by an XXXX vendor in the amounts of {$180.00} and {$36.00} for a total of {$210.00}. The XXXX merchant has issued a refund to my Wells Fargo debt card ending XXXX in XX/XX/XXXX and Wells Fargo is refusing to send me my refund after several attempts to contact by phone to open the below claims : Claim # XXXX opened XX/XX/XXXX Claim # XXXX opened XX/XX/XXXX I've contact XXXX and they assured me the refund was issued by their merchant to my Wells Fargo account in XX/XX/XXXX, not XXXX and it has not been returned to XXXX as Wells Fargo has claimed and I have attached the email from XXXX confirming a refund has been issued to Wells Fargo and it is Wells Fargo 's responsibility to issue me a refund check since I no longer have an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Person named XXXX XXXX withdrew {$6300.00} from my missing check. I went to the bank to report the fraud but wellsfargo denied as it was not fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The dates are through out the last ten years or so. It has been numerous occasions that Wells Fargo has charged me overdraft fees multiple times over in same day. There has been multiple events of the bank letting different transactions go through and put my account severely in the negative and continue to charge me overdraft fees for each event over and over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The account with Wells Fargo is not showing paid as agreed due to the agreement with the company after payment in full was made still reads wrote off. Now I want it removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX Wells Fargo Mortgage XXXX XXXX settlement. During the time frame of these discrepancies ( XXXX ) I was denied a mortgage modification which resulted in falling behind on payments. I was unfairly charged a monthly fee of around XXXX while I was behind to cover what they called " protecting their assets. '' When I questioned WFM, they said they did a " monthly curbside inspection '' to verify the property was inhabited. This act created a more stressful situation and an undue further financial burden on myself. The token amount of XXXX is not proper compensation for the amounts paid by myself and burdened my family at that time and I should be fairly compensated/refunded any and all fees paid. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Nh XXXX Ph XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX a charge was made to my Wells Fargo credit card account in the amount of {$6500.00}, and another transaction was made on XX/XX/XXXX in the amount of {$2500.00} to XXXX XXXX in XXXX, CA. I did not make these charges nor have I ever done any business with this merchant. I live in XXXXXXXX XXXX and XXXX, XXXX and was at or near these places during these dates. I have been working with Wells Fargo credit fraud department since early XXXX to get these charges cancelled, they have rejected my fraud claim twice now. I have not been able to find any information from this merchant to be able to contact them, other than a half built XXXX page with 2 followers. Wells Fargo has been completely unhelpful in providing me with any way to contact this party to get to the bottom of things. The reason given for Wells Fargo rejecting the claim is that : " The transaction point of sale code is XXXX which means that the bank issued EMV chip card was physically present at the merchant location and inserted into the card processing machine. Since the EMV chip card was in your posession during the times of the transactions it has been determined that the transactions are valid '' Basically their records show the the card was physically used for the transaction, and I told them in my report that I had the card in my possession at the time, it could not be fraud. The first that I heard about these transactions was a few weeks after the event when I checked my Credit Card statement online. Apparently Wells Fargo had sent a verification text to my phone at the time of the first charge, but I did not see it so did not respond. When I tried calling Wells Fargo to report the fraudulent charges, I was told that my account was locked out and that I would have to go in person to a Wells Fargo branch with a photo ID before I could do anything with my account. We were very busy with farm work at that time, So it was XX/XX/XXXX before I could make it to the XXXX Wells Fargo branch. While there, I presented my ID to a banker, he called in to the Wells Fargo Credit card department, the person on the phone told us that my account had been locked due to suspicious activity. My understanding was that someone, claiming to be me, had been calling multiple Wells Fargo branches trying to get account information, my understanding was that they were trying to find out account balance and credit limit information. I have since then requested that Wells Fargo provide me documentation of the suspicious activity but they have refused since. I reported the fraudulent charges at that time. We then cancelled the credit card ending in the digits XXXX, and I left it with the banker to destroy. Wells Fargo then refused my fraud claim in XXXX, giving the above statement. On XX/XX/XXXX I called in to Wells Fargo XXXX XXXX department, was transferred to XXXX different operators before being disconnected. I called back and finally got ahold of someone helpful that actually looked into my account. She told me that there was a card activation just before the XX/XX/XXXX transaction, looked up the XXXX XXXX, made notes in my file about the suspicious activity and submitted it for reconsideration. She also advised my to submit a police report. I filed a police report with XXXX XXXX XXXX XXXX office on XX/XX/XXXX ( case # XXXX ). I then called in to Wells Fargo fraud claims assistance on XX/XX/XXXX, told them that I had filed a police report, gave them the report number, and was told that the fraud claims department would work with the police department and request a copy of the police report. I was told to wait 15-20 calendar days for the re-evaluation of my case. I called back XX/XX/XXXX to check the status of my claim and was told that my claim had never been re-opened. They claimed that the line was disconnected before the questions could be completed to re-open the case when I had called on XX/XX/XXXX. I later asked a supervisor why Wells Fargo never called my back to have me complete these questions if they had a request to reopen the case, and the supervisor admitted that someone should have called me back, but never did. XX/XX/XXXX my case was opened for re-evaluation and was told to wait 15-20 calendar days, I faxed in a copy of the police report from XX/XX/XXXX. Over the next several days, I called in to request a copy of documents regarding the denial of my claim. I also called to request documentation on why my account had been locked out in XXXX. I was repeatedly told that they could not provide me with these documents. I asked that a note be put in my file and passed on to the investigation to look into the reason for the account lockout, as my understanding was that it was locked out for suspicious activity of someone claiming to be me calling in and trying to access account information. I also called in and requested documentation regarding the card activation that had taken place prior to these XXXX charges. I was again told that they could not provide me with this documentation, but would make a note in my file to be passed on to the investigator. Wells Fargo had information regarding suspicious activity both immediately before and after these charges were made, but they have repeatedly refused to either investigate them, or provide me with the documentation necessary to support my case. Friday, XX/XX/XXXX, I called in to check the status of my claim re-evaluation, and I was told that my claim was again denied. I was able to gain more information about the card activation that took place on XX/XX/XXXX. And I asked for my case to be again re-opened for re-evaluation. What I have been able to find out, little by little, over the last few months of calling in to the Fraud Claims department and finding old email records, is that on XX/XX/XXXX someone requested a duplicate card to be shipped to the address : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX I did not request this card, nor have I ever been to or resided at this address. My primary residence is in XXXX XXXX and also have a home in XXXX, XXXX, and during this timeframe ( XXXX ) I was back and forth between XXXX and XXXX. I was never at any time, anywhere near XXXXXXXX XXXX This card was then activated on XX/XX/XXXX. Wells Fargo claims that this card was activated using my phone number. I have checked, and there is no record of my cellphone calling any Wells Fargo number on that date, I believe someone may have used phone cloning software to activate the card. From the records that I have been able to find, the card issued XX/XX/XXXX ended in the digits XXXX, the same as my card that I have had in my possession for years, from my records that was activated XX/XX/XXXX. XXXXXXXX XXXX shows the address in XXXXXXXX XXXX is approximately XXXX miles away from XXXXXXXX XXXX, where the transactions with XXXX XXXX took place. Again, I was in XXXX XXXX and XXXX at this time. I have never seen, touched, activated, or made any transactions with the credit card ending in XXXX that was shipped on XX/XX/XXXX, activated on XX/XX/XXXX, and used to make the transactions with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The credit card that I had in my possession on XX/XX/XXXX, that I left with a Wells Fargo banker in XXXX XXXX to destroy after first reporting the fraudulent charges, also ended with the digits XXXX and had been in my possession since it was issued on XX/XX/XXXX, from my records. To be clear, Wells Fargo shipped an exact duplicate of my credit card to a criminal in XXXXXXXX XXXX then after I reported the fraudulent charges, Wells Fargo refused to admit that there could be a duplicate card, despite me repeatedly explaining to them that I had not been in California, despite me repeatedly telling them to look into the suspicious card activation. Despite me telling them to look into the suspicious phone calls near the time of the charges. I have passed this information on to Wells Fargo in more phone calls on XX/XX/XXXX requesting that this be passed on to the investigation. I have XXXX confidence in Wells Fargo actually doing the right thing on this matter. I have passed on information regarding the suspicious activity before and after the charges and they have ignored them. They have refused to provide me with information to support my case, the only information that I have been able to get from them was painstakingly getting slivers of information by asking just the right questions. This department of Wells Fargo is either completely incompetent, or is completely willing to XXXX over its customers in order to save Wells Fargo some money, and is failing to prosecute the actual criminals involved in this case. I have included an attachment, Wells Fargo Fraud Claims Department would not give me the email address of a supervisor or department manager when I called on XX/XX/XXXX, so I confirmed that the phone call was being recorded, and asked that the recording of me reading my request for information would be passed on to whoever needed to hear it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 573XX
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: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
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: Fraud or scam
Subissue:
Consumer Complaint: Sent money to someone for a purchase on XXXX XXXX. Sent money with XXXX through Wells Fargo. Realized it was a scam. I was told that I couldnt receive my money back. The sellers name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A