Date Received: 2023-12-06
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: WELLS FARGO has an extra day grace period to avoid overdraft fees. This has been going on for over a year and no help on their part. They email of multiple call back request but I appear to be forgotten each time. I'm told someone would look into this Yet we going on two years. Protocol is I receive an alert stating that my account is in the negative and I have until the end of day to bring it current or I will be charge {$35.00} I WILL THEN MAKE a deposit SAME DAY based on the amount that was emailed, then after XXXX the next day I noticed I am charge {$35.00} either way because something else came through that they didn't educate me on or Wells Fargo just not honoring the grace period. The email request would specify one amount when reality it will be for another amount just to charge me another {$35.00}. I am as of today at a lost of about {$210.00} of overdraft fees for them not honoring there grace period or there pacific time mix with my eastern time was not a factor when they decided to make such an offer. I primary only us this account to cash business checks outside of that I HATE it outside odds because they cant handle this small task and bills I allow through. Per Wells Fargo With Extra Day Grace Period, you have an extra business day to make deposits and avoid overdraft fees. If your available balance covers the prior business day 's overdraft items as of XXXX Eastern Time, we'll waive the associated overdraft fees. THATS A LIE AND FALSE ADVERTISEMENT Prior business day overdraft items that are not covered by XXXXXXXXXXXX Eastern Time are subject to applicable overdraft fees for whenever they feel like it even if you pay the same day. I have attached what my day looks like after I receive an email, make a deposited and the next day if I owe and a different amount. I took a screen shoot of my account balance current after I was asked to make my account current by the end of day, I did and the next day I am down - {$33.00} Date in question was XX/XX/2023 to today the XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting. The report contains inaccurate information and company failed to provide the information I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Have not received any information as to the status of my accounts in relationship to the recent settlement. I have contacted the bank and they told me they could not help me find out the status as to whether or not my accounts are impacted. They said I would have to do that on line which I thought might be disinformation or poor customer service at best. All i would like to know is if my accounts are applicable to the settlement and what are the next steps. Thank you for your time an attention
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Deposited a check to Wells Fargo on Saturday. Typically if you deposit on a weekend you dont receive funs until Tuesday or Wednesday. Come Wednesday i get told there is a XXXX week hold placed on my deposit because the maker of the check didnt have enough funds to cover the transaction. I spoke with the maker of the check and they told me that they had the amount withdrawn from their accounts that Monday. Their bank told them that the problem was with wells fargo. I called my bank back ( wells fargo ) they said they never recovered any money from them. And i had no other solution than to wait the XXXX weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone tried using my SSN to sign up for a credit card on XX/XX/2022. The credit card was never opened but there was a hard inquiry on my credit report at XXXX because of it. I've contacted Wells Fargo twice about this issue. They told me they would take care of this and contact the credit bureau both times but the inquiry remained on the credit report. I contacted XXXX and the representative told me they never received any request from Wells Fargo. I did not save the letter from Wells Fargo the first time but I did save the letter from them when I tried to resolve this issue the second time. I tried to contact them again today but I got transferred to 4 different departments until I ended up at the original department and told me I would have to file the dispute with them again. I have no idea what to do at this point but to report this to CFPD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Never I take the credit cards and I have like XXXX balance for different credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The report contains inaccurate information and company failed to provide the information I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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 : Unauthorized wire 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 XXXX XXXX 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. 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 XXXX ( 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 transaction was NOT linked to my number. XX/XX/2023 ( Wednesday ) @ XXXX I called the Wells Fargo online XXXX department XXXX XXXX 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.
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: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Check that was deposited on XX/XX/2023 for {$40.00} was returned on XXXXXXXX and deducted from my account ( Check # XXXX ). The same Check ( # XXXX ) was returned again on or about XX/XX/2023. It is an obvious bank error because the same return item was deducted twice from my account. I called Wells Fargo today and spoke to XXXX and XXXX in escalations. They filed a dispute and a complaint but was unable to resolve this obvious bank error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A