Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ubject : Delayed Release of Funds and Inadequate Customer Service at Wells Fargo Dear XXXX XXXX XXXX, I am writing to file a formal complaint against Wells Fargo for their handling of a recent transaction. Issue : Delayed Release of a Deposited Check Date of Incident : XX/XX/2023 Description of the Incident : I deposited a check for over {$4000.00} into my Wells Fargo account. Wells Fargo informed me that the release of these funds would take more than seven business days, which is a significant delay. I have contacted Wells Fargo multiple times ( more than 4-5 instances ) seeking a resolution. Actions Taken : Contact with Employer and Issuing Bank ( Chase ) : My employer confirmed that the funds were indeed pulled from their account. However, when requested, XXXX stated they do not issue letters of fund release but provided a phone number for fund verification. Response from Wells Fargo : Upon contacting Wells Fargo with this information, I was told that they do not perform fund verification. After persistent communication, a representative attempted to contact XXXX but reported being unable to obtain the necessary information. Grievances : Lack of Support from Wells Fargo : Throughout this process, the assistance from Wells Fargo has been inconsistent and largely unhelpful. Financial Inconvenience : The delay in releasing a significant amount of funds has caused considerable inconvenience and potential financial strain. XXXX XXXX : XXXX XXXX of Funds : I request an immediate review and release of the deposited funds into my account. Explanation and Accountability : I seek a clear explanation for the delay and mishandling of this transaction, along with appropriate measures taken to prevent such occurrences in the future. Your assistance in resolving this matter would be greatly appreciated as I believe that the situation reflects a significant oversight in customer service and transaction handling by Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60657
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: XX/XX/2023 Transactions via XXXX in my savings accounts XXXX {$2.00} {$3.00} {$4.00} $ I call my back regarding fraud via XXXX, I report the lady that scam me. My bank coudnt help me they closed the the dispute or the claim. I give them all the information regarding what happen. And they didnt help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
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: Cashing a check
Consumer Complaint: My cleaning lady tried to cash a check I wrote to her at Wells Fargo Bank. The bank claimed that they could not locate the account. The reason was that their automated check reader missed the last digit of the routing number. The check image they sent to her clearly showed the correct routing number at the bottom of the check. This is the 3rd time this has happened in the last 2 years at XXXX XXXX The deposit attempt was made at the branch in XXXX, CA. In all cases they have refused to rectify the issue. no other party receiving my checks has experienced issues with scanning them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94558
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo is refusing to cover XXXX $ in fraudulent XXXX purchases on my credit card. I did not purchase or receive the XXXX. These purchases occurred in XX/XX/2023 without my knowledge and I reported them to Wells Fargo within days. I filed a police report. Wells Fargo has refused my fraud claim and refused my dispute. Their investigation did not involve reaching out to me They stated in their written refusal that the charges appear valid. No other explanation. They did not send me information from their investigation and they never attempted to contact me. Wells Fargo is illegally refusing to cover their responsibility for credit card fraud and I would very much appreciate any assistance that CFPB could provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Subject : Urgent Attention Needed - Dispute Resolution and Harassment Concerns Dispute claim # XXXX Dear Wells Fargo Bank, I am writing to express my sincere apologies for the delay in providing you with the necessary information regarding my ongoing disputes. The basis for my disputes are two-fold : Breach of Terms and Services : My initial agreement with Stuff Storage / Neighbors clearly outlined my expectation of XXXX access without harassment. Unfortunately, this expectation has been continuously violated, significantly impacting the reason I chose your services. Forced Change of Terms and Unjustified Decisions : Following my move, I was subjected to a forced change in my service terms. This decision, based on outside influences unrelated to our original agreement, forced me to endure undue harassment and abuse.They the following people were committing real estate and insurance fraud and they used Stor / Neighbor facilities on XXXX to create a fraudulent relationship with me! I am temporarily displaced I dont have any friends or family! I have never had any legitimate relationships with these professionals thieves! This is another reason why they requested an escort! Please refund all monies and if there are other charges with them refund them as well! I am sad Stuff / Neighbor were involved because for the most part these are wonderful people! XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Low class government chasing XXXX XXXX, XXXX XXXX XXXX '' XXXX and XXXX, and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX from XXXX XXXX Furthermore, I believe Stuff Storage / Neighbors was manipulated by a network of elected and city officials in XXXX XXXX, who utilized their influence to sidestep the legal requirements! They did not have a legitimate legal basis so they violated their own policies! Incase you are wondering that is illegal and subject to legal action! This was a fraudulent attempt to validate the theft of my identity. This is completely unacceptable and goes against the core values I expect from elected city officials! I urge you to review the provided records documenting these issues. My primary objective is to resolve these disputes and deny any financial compensation due to these unscrupulous service providers! To facilitate a swift and satisfactory resolution, I propose a meeting at your earliest convenience or email or a day and time I can call you directly! My phone and identification was stolen by these people! I am available by email at XXXX Thank you for your time and attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: i opened an special account at wells fargo 2018 i was not able to use the account. I have filed treasury direct forms in which were signature guaranteed. Instead informing me of anything my account was closed. All accounts payable and all accounts receivable how do they get to use my credit and if im the principal how is it i can use my account under penalty of perjury. They have not given any information on my account since why it was even closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We bank with Wells Fargo Bank since XXXX and on Friday XXXX XX/XX/XXXX, I received a call from the Well Fargo Fraud department phone number. They called me to confirm some questionable transactions with my account, we talked for over XXXX hours to discuss all the transactions. They asked me about atm transactions and XXXX transactions. I of course told them I didn't autheroize any of it. During the talk they did the normal confirmation its me, and they went back and forth on different transactions. After our talk, they told me my account access would be locked out due to the investigation and that if I used my card or accessed my account it would interfere with the investigation. They called again on Saturday XXXX to discuss more transactions and on Sunday during church, they called me over XXXX times, which I didnt answer because. After that, something felt wrong. I reset my account password to gain access to my account and found out that someone had depleted my checking and way to save account, totaling {$970000.00}. I called the Wells Fargo Department on the XXXX that evening, to tell them about it. They froze my account and started an investigation. They told me it would take 10 days. On Monday the XXXX, I called Wells Fargo to get any information or updates, I was met with someone who was short-tempered and wouldn't help. After 3 days, I called them back and spoke with someone who was more helpful. She helped me close the accounts where they couldn't take anymore. During our talk, she gave me access to my again and that's when I noticed the scammers had made cash advances out from my Well Fargo Credit card, totaling {$3500.00} with Fees. The first results came back from the investigation they said that I authorized it. I then called again to do another investigation. Once again the same results. I tried XXXX more time and found out the first XXXX fraud personnel didn't clearly state what happened. During the third try Well Fargo Fraud investigations, I spoke clearly and told them that in 72 hours the scammer spoof called me, and took {$13000.00} in 72hrs, No one from Wells Fargo contacted me and said anything, over $ XXXX of cash advances and they said nothing. No unusual activities call from Wells Fargo Fruad, nothing. Then after that, They determined it was me or someone that I gave access to, who took our money. I didnt take the money, but all I did was compile with who I thought was a Wells Fargo Fraud representative. They scammed me, by calling from the Wells Fargo Customer Service number a phone number that I was supposed to trust, phone spoofing, gaining access to my account, and taking our money. Even dealing with the correct people trying to get to the bottom of this, It was like XXXX, they asked the same questions like the scammers. I waited this long to ask for help because I truly thought Wells Fargo would see that I didnt do {$13000.00} of transactions in 3 days. Who in their right mind would do that?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76544
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I was a victim of online banking fraud I immediately called Wells Fargo to get it handled they closed my account and opened a new one. A few days later they transferred XXXX dollars into that account for partial payment for the money that was stolen from me and that the account was now officially closed. Wells Fargo sent a check in the amount of XXXX dollars and said it was mailed to me on XX/XX/XXXX I hadnt received it mid XXXX so I went back to branch at Wells Fargo they spoke to someone on the phone and stated if the check hasnt came by XX/XX/XXXX to call back or go back into the branch ( I do have recording of my interactions with the branch ) here we are XX/XX/XXXX and I still have no money so I contacted them today. I spoke with XXXX at Wells Fargo customer service she looked into it and stated she has no record of no check being sent out and that its the branchs responsibility the branch says its theres I keep getting the run around also I dont understand why they would send a check in the mail like regular mail especially knowing Ive been a victim of fraud i should have been able to pick up at the branch or it should have been mailed certified mail and require a signature because XXXX XXXX Wells Fargo also stated they have no way of tracking the check at this point the branch is no longer willing to help us they have us waiting for hours. I also was going over the financials and there is still XXXX dollars still unaccounted for that just magically disappeared according to them. I have XXXX and because of all this stress I have been getting XXXX XXXX which in turn can land me in the hospital or worse.
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: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
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: My account Wells Fargo account was hacked, I was receiving calls from an impersonator saying they were from the company. I eventually called the company and informed them I had been getting these calls and they reviewed my account and informed me that it wasnt a Wells Fargo worker. After reviewing my account they informed me that I was being charged several times for recurring payments that I never maid. I also informed them that the impersonator called me and already had my information which led me to believe they were with the company. The impersonator already knew my birthday, my card number, my pin, and my address. This led Wells Fargo to dive deeper into my account and the lady that was helping me realized that a past card that was supposed to be canceled was actually still being used and charged as well as my current card and both were drawing from the same account. She ended up dated the charges all the way back to XXXX of XXXX up until XXXX XX/XX/XXXX. The charges on my account equaled up to {$1800.00}. At this moment on the two claims were filed on my account on XX/XX/XXXX, and I was told they would investigate my account and credit me back the money within XXXX business days. The account was also closed and a new account was supposed to be created with a new account number and card. When this happened all of my records of the last account were wiped and they told me all to the records would be transferred over to the new account. But they were not. I no longer had any of the records from the previous account to show that I had been had and someone committed fraud on the account. They also told me the money would be credited to my account within XXXX business days. I was also told I would be kept up to date during the investigation. I was not. I continued to get emails saying my account was still up older claim and investigation but never informed of what was actually going on. I called them on XX/XX/XXXX, no resolution, but the new account and card which havent been activated yet were being charged or attempted to charged I kept receiving messages about my card being declined. I called again on the XXXX, of XXXX because again someone called me from and unknown number with all my information asking if it was correct. I hung up and and then followed up with calling Wells Fargo back. They informed me they had record of the call but the worker shouldnt have called from and unknown number or asked for my information unless I called them. But they insured me everything was safe but the claim had not yet been resolved. And they said its normal for my card to be declining because the account was momentarily locked. But when I asked them if I havent even activated the card yet how can it continue to say declined as well as I was informed they could be no charges or transactions made in the account. Again I called on the XXXX of XXXX because when I accessed the account it was further negative than it already was. But this time when I called them to inform them of what was going on they said they had no record or recollection of my previous claims and actually said that my account and investigation was declined but my signature was authorized on the previous statement and reasons why I started the claim. I explained to them again that the reason for me starting the claim was because all of my information was compromised. They continue to argue with me saying they have nothing to dispute, and they cant take my word and accused me of still using the account, which is impossible because I still have not activated or possess the cards they are saying are in use. I informed them that if the person has all of my they can easily forge my signature and still use my information and card and account information as if I was still doing it. They completely denied all actions and claims and told me they could not help me any further. And hung up on me. I have no been able to take care of any of my bills or pay for any of my things because the account is still locked and I have no active card. I also asked if we could just close the account and possibly resubmit the claim to at least get my money back. They made a joke of it and told me they couldnt do any thing with me or the account and told me maybe visit my closest branch so I could argue with them in person. the account is still being charged as we speak.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 Dear XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter of utmost concern regarding the unauthorized withdrawal of {$1000.00} from my secured credit card account with Wells Fargo, as well as the alleged falsification of checks by your institution and affidavit. As the CEO of Wells Fargo, I believe you should be aware of the gravity of this situation and the impact it has had on my financial well-being. Allow me to provide a detailed account of the events that have transpired. In XXXX, I discovered that a substantial sum of {$1000.00} had been withdrawn from my secured credit card account in XXXX without my authorization. Despite several attempts to seek clarification from your management, I have been met with evasive responses and a lack of resolution. To exacerbate the situation, I have reason to believe that Wells Fargo engaged in the falsification of checks. First, I was told that a check had been issued and sent to me as a refund for an unrelated matter. However, no such check was ever received. Subsequently, I was informed that a second check had been issued and sent, but this too failed to reach me. The evidence I have obtained strongly suggests that both checks were falsified, which raises serious concerns about the integrity of Wells Fargo 's actions. Then an affidavit is being sent after the management team explored the matter which never arrived, to contact Wells Fargo with another falsified lie. Currently, waiting XXXX more days for another branch to gather a falsified document or report nonsense. It has been over a month since I initially reported this matter, and I am deeply distressed by the lack of progress and accountability demonstrated throughout this process. The apparent disregard for customer rights and the mishandling of my complaint have caused significant emotional turmoil and financial distress. With XXXX prescriptions, being XXXX, and having XXXX XXXX and XXXX serious health conditions, Long Haul COVID-19, I have missed appointments as unable to pay, late on all bills, loss, or apartment all due to Wells Fargo committing a crime by refusing to provide my finances. As the CEO of Wells Fargo, I implore you to personally intervene in this matter and ensure that an immediate and thorough investigation is conducted into the unauthorized withdrawal and the alleged falsification of checks. I demand a prompt resolution, which should include a full refund of the unauthorized withdrawal, appropriate compensation for the distress caused, insufficient funds on my accounts, and a transparent explanation of the actions taken to prevent such incidents from recurring in the future. I want to emphasize that I have sought legal advice from reputable professionals regarding this matter. Should a resolution not be reached promptly and to my satisfaction, I am prepared to take further steps, including involving regulatory authorities and pursuing legal action, in order to protect my rights and seek appropriate compensation. I kindly request your personal attention to this matter, as it reflects the integrity and accountability of Wells Fargo as an institution. I expect a written response within XXXX days addressing the seriousness of this issue and outlining the steps to investigate and rectify the situation. Please direct any correspondence related to this matter to the contact information provided above. Thank you for your immediate attention to this urgent matter. I trust in your commitment to ensuring that Wells Fargo upholds its responsibilities and values its customers.
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: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A