Date Received: 2024-02-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Wells Fargo case number : XXXX Account number ending in : XXXX I opened the account with the code from the email that promised a {$520.00} bonus XX/XX/XXXX. I deposited the required amount on the same day. I was informed that the bonus would show up in my account within 5-6 days of opening. I was also told that the branch offered a special interest rate bonus ( around 4 or 5 % APY ) that would be applied at the opening and reflected in my account within XXXX weeks. I opened the account on XX/XX/XXXX, but neither bonus appeared in my account. I could not get an explanation by calling the 1800 number or the branch in XXXX. It is XX/XX/XXXX today, no bones nor special interest rate applied to my account, no one can tell me if there the bonus code was applied to my account or if that is a complete scam. I have email conversion I can forward over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Ordered some items from XXXX and they never arrived Wells Fargo gave me my money back and then a month later reversed the provisional credit in my account making me go negative and I still do not have the items that were so supposed to be here Months ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Wells Fargo Auto illegally added CPI coverage to my auto stating I didn't have auto insurance. So there are checks owed to me going way back to XXXX one being XXXX and another XXXX give or take a small amount of change. I have spoken to really seemed to be caring representatives more than a month ago who stated the checks have been requested. Again, in Wells Fargo XXXX XXXX is to again ignore my request and have me wait after 3 long years they are still dragging their feet to complete their efforts and show lack of care. I would think after all they deceptively taken with risk based loan financing for indigenous people. I would be sure to receive my uncashed checks that were never sent. I had to call and do the numbers and look through much paperwork to document all is well and it wasn't!!! Like what is it going to take???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a wire draft in the amount of {$10000.00} USD from my Wells Fargo business account to my personal account at the XXXX XXXX XXXX XXXX XXXX. After multiple contacts with XXXX XXXX to verify receipt of this wiredraft, I was informed the transfer was never received. I contacted Wells Fargo on XX/XX/XXXX to report the problem and requested cancellation of the wire draft and was given a case number. On XX/XX/XXXX I contacted Wells Fargo again for an update on my case. I was told by a Customer Service person, the case was open but no comments or updates were available. And that it appeared nothing had been done to retrieve our overdraft funds. The Customer Service person further said, it would be best at that point to issue a NEW Case Number and start over. She also said she would put an escalated note in an attempt to receive some attention to my case. And NEW Case Number was created... ( This was now 3 weeks after I filed the 1st case with Wells Fargo with NO action had taken!!! ) On XX/XX/XXXX received an email from Wells Fargo, stating they needed more time to respond to my concerns. Further stating they would follow up with me by XX/XX/XXXX. On that date I received another email stating they needed more time and would follow up with me by XX/XX/XXXX. ( This would now be 3 months after my 1st contract with Wells Fargo, to file my complaint, which was totally unacceptable! ) During this 3 month period I tried multiple times to reach someone with authority to determine why I can't get the matter resolved. I was given the name and phone number of a so-called Senior Manager. I called this person multiple times leaving many messages regarding my problem and I NEVER received a phone call back!!!! It was clearly obvious that Wells Fargo had NO interest in helping me get our money back!!! On or about the last week of XXXX, I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating they sent " 4 '' recalls from XX/XX/XXXX to XX/XX/XXXX in an attempt to get our money back from the beneficiary bank, who responded there were no funds available and their wire recalls were denied! ( Keep in mind these so-called recalls were sent at least XXXX weeks after I contacted Wells Fargo for help in getting our money back. ) Lastly I filed a complaint with the Control of Currency against Wells Fargo only to get a letter from Wells Fargo saying, they reviewed the matter previously addressed on XX/XX/XXXX and as there was NO new information provided, they were Closing the Case as of the date off letter provide on XX/XX/XXXX. Again total lack of lack of concern regarding the recovery of our funds! I've been a customer of Wells Fargo for 22 years and receiving such treatment is totally unacceptable. It's totally clear, and I have all the dates, Wells Fargo never attempted to help get our money back for at least 4 weeks. And I personally wonder if any attempts were made... Wells Fargo Bank as posted on the internet, has massive issues with XXXX 's of different types of consumer issues. It appears my issue is just XXXX of many! I respectfully request your help in getting our {$10000.00} USD back as I think Wells Fargo did NOT act in a prudent timely manner or act at all at any time to help get our fund back... All this is documented. Thank you in advance for your assistance,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68137
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
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 bought XXXX XXXXXXXX XXXX with extra attachments on Sunday XXXX XXXX, XXXX. I never opened the box and after they arrived I saw videos and reviews that said that people with thin hair have had their hair damaged after a year of use because of it, so I returned it and the tracking number for XXXX is XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX. I paid {$630.00}. When they recieved my return, I was only sent back {$65.00}. I called them and they said they will have to look at everything again, but that I would have to call them back in 10 days. I called my bank ( Wells Fargo ) and I sent them everything. They gave me the credit for it which is {$560.00} on XX/XX/XXXX. Then they charged back the credit of {$560.00} on XX/XX/XXXX. They said they never recieved anything from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial and Refusal to Close Account Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services, and Refusal to Close my Account after several request. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio. Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account. As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means. Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA . 2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds. 3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information. I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Went to use my debit card and couldnt. Logged into account via my app and it showed a balance of XXXX dollars. The remaining amount in my account showed pending for account closure. I never tried to close my account and Wells Fargo wont give me any answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Last year my friend transferred me XXXX through Wells Fargo Bank, but the bank staff put in my account number wrongly, so I didn't receive the money, which partly caused our financial issues and loss. Because my friend didn't have an account in Wells Fargo Bank, so the money will be returned his account in the XXXX XXXX. But because he broke the code of conduct undeliberately, his XXXX XXXX account was locked. So we can't get the money. My friend contacted the Wells Fargo Bank customers service, but they said we can only get the money after my friend 's account is unfrozen. But we really need the money to resolve our present financial issues. I hope the Wells Fargo Bank can continue to transfer the money to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to file a formal complaint against WELLS FARGO, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. WELLS FARGO, with contact information at XXXX XXXX XXXX XXXX, MN XXXX Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. In addition, I believe that WELLS FARGO has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. I kindly request that the CFPB investigate these violations and take appropriate action against WELLS FARGO to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WELLS FARGO accountable for their unlawful conduct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a dispute with Wells Fargo bank XX/XX/XXXX for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit 2 business days after the items posted to account, its been over 3 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A