Date Received: 2023-12-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have an installment loan with Wells Fargo to replace windows on my home. The date open was XX/XX/. The interest rate is set at 8.99 % Yet each time that I make an on time payments, Wells Fargo takes between 29 % to 33 % of each payment.When I called to ask why. The Rep said I would have to make a larger payment like a {$1000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: WellsFargo put " Credit Review Hold '' on my XXXX request to transfer a credit balance of {$3100.00} from our WellsFargo Visa card to one of our WellsFargo checking accounts. They've told me the Credit Review Hold was placed because my transfer request was over {$2500.00}. They also told me that the transfer may take 30-days to be made. The credit balance was due to two XXXX airline ticket refunds by XXXX XXXX amounting to {$3200.00}. This refund amount was reduced by a {$110.00} restaurant charge on XXXX before my XXXX transfer Request. This is a WellsFargo account to WellsFargo account request that historically has been made in 1-2 business days following our transfer requests, albeit for amounts under {$2500.00}. I appealed the projected length of time to complete transfer to WellsFargo Bank Supervisor at time of transfer request with only response being issued a Complaint # that someone at WellsFargo may call me about with-in 10-business days. We're long time customers of WellsFargo with Excellent credit rating and large balances in our checking accounts. I'm of the opinion that WellsFargo is purposely delaying transfer to take advantage of our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XX/XX/XXXX I stayed on phone with XXXX for an hour and half you could tell she was reading a script she keeps putting me on hold finally told me there were some errors in my account make XXXX payments and it would be in modification. Modification, is changing some part of a situation you are in. Wells Fargo modification shows I have XXXX loan numbers that has not been corrected. Payments keep changing amounts. I was told by XXXX at extension XXXX well I tried to call her on Wednesday to make a payment like XXXX told me to she did not answer the phone or even return my call I started on Thursday to get in touch with her to make a payment. I git XXXX he took the payment got a confirmation number and it cleared my XXXX XXXX account the next day. 24 hours later on Friday I started calling to make the second payment could not get XXXX that I was told to call got XXXX gave her the payment information asked for confirmation number and she tells me WF does not give confirmation numbers. XXXX gave me one on Thursday, " he did not know what he was doing '' as of XX/XX/2023 the payment has not been posted funds have not been taken out of my account. How can something be so different in 24 hours. told to talk to XXXX not she does not answer and how do I get a confirmation number of funds not withdrawn. Called back on XX/XX/2023 talked to XXXX, was told XXXX was not available he could help, but all he did was read a script by repeating ; himself. I have done everything WF have instructed me to do, however WF has not keep their word on anything they have said other than put my house in foreclosure with a sale date. WF is discriminating and just like so many other homeowners taken their home, that is what is happening to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I placed an order with XXXX XXXX XXXX XXXX XXXX to replace all the windows in my house at a cost of {$13000.00} and negotiated what, at the time, was described as " 0 % interest for 18 months. '' I completed a financing application during the sales appointment and was not advised then of the possibility of the financing having deferred interest, rather than 0 % APR introductory promotion. The windows were installed XX/XX/XXXX after which the account was open to make the payment. I was asked to quickly sign the financing disclosures, amongst other documentation, at the end of the installation appointment and was again not counseled on the deferred interest promotion. I did not receive a copy of the disclosures to review them in detail on my own time. So I remained unaware of the deferred interest. I have historically always shopped for my own financing, so have always been very familiar with the terms of all other products I've signed up for. This process made them very obscure. Shortly after the installation, I saw that a Wells Fargo account had been opened on my credit report. I then received an email from Wells Fargo asking me to enroll for an online account. I enrolled online and immediately set up autopayments for the minimum amount. I did assume at the time that the minimum would be sufficient to pay the balance by the end of the promotional period. That was my error having not done a calculation to confirm. On the website, there was no conspicuous alert anywhere on the account screen clearly disclosing the nature of the promotion or warning of the unfathomably high amount of deferred interest I would have imposed if the entire balance was not paid in full by the end of the promotional period. I see now that the deferred interest promotion is referenced in small grey text as the bottom of the page in the following note : " If you have a No Interest if Paid in Full promotion, pay the Special Terms Balance in full by the Special Terms End Date to avoid deferred interest charges. Locate special account terms on your under Special Terms Calculation. '' This note does not even specify whether your account is specifically subject to the 'No Interest if Paid in Full " promotion and is very easy to overlook. I did not see the note at the time. I logged off the website and, given I had set up autopayments, did not log back on again. I therefore never saw one of my electronic statements which explained the deferred interest promotion. I at no point received any direct outreach from Wells Fargo during this application or account opening process to validate that I had been made aware of the promotion and I understood my obligations to avoid deferred interest. The first time this was communicated specifically was in an email a month prior to the end of the promotional period. The subject was " Alert : Avoid interest charges on your promotional balance. Act now., '' which did not sufficiently alert me to the impending DEFERRED interest charge, so I did not immediately read beyond the subject. I interpreted the subject as meaning post the end of the promotional period, I would begin to be charged interest on any remaining balance. I did not in any stretch of my imagination think that this single casual outreach attempt would be the precursor to such a massive financial consequence. So I remained unaware of the terms and did not pay down the entire balance ahead of the end of the promotional period, despite being fully financially able. Had I had any idea of the consequence, I INDISPUTABLY would have paid it in full far in advance. I only finally became aware of the agreement when the period ended and I was charged the massive, egregious deferred interest total of {$5400.00} from an APR of 28.99 %. At that point I scoured the website and my email and finally learned via the alert email and my electronic statements of the promotional terms, at which point it was too late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
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: Wells Fargo send my information to a XXXX party and I paid the XXXX party with a tender negotiable instrument. Wells Fargo contacted me and said they contacted the company about my negotiable instrument and Wells Fargo told me the company said they didnt receive it. I provided the tracking number for Wells Fargo of my negotiable instrument I sent to the company. Wells Fargo should not have sent my information to any XXXX party without my consent. I did not give them promotion to send my information to anyone. Also Wells Fargo said my account was charged off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Company representative baited and switched me into a negative amortizing loan from a standard mortgage with better terms. Company force placed unnecessary insurance on me, deducting the premium from my mortgage payment and accelerated after 3 months without providing cure notices or any other notice to me. Company directed all my following payments into I black hole escrow account from which my funds were never recovered or directed to mortgage. Company denied me court orders " XXXXXXXX XXXX XXXX '' loan modification from pick-a-pay settlement by constantly requesting " current document '' over and over, claiming the previous documents were now out of date, again and again. Company claims footing to service my loan on faulty documents. Attached is a forensic analysis of the foundational document Wells provided in court to establish their footing to move against me in court and service my loan. The conveyance document is clearly fake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phone number which was XXXX XXXX, they said that they were T-mobile customer service from california XXXX Then they asked if it's me to create another phone number connected with my previous number XXXX XXXX XXXX and I said that it's not me. However, the new phone number was created by my passport, and sent more than 200 fake texts in XXXX, XXXX, a lots of people reported that number. I need to contact with police as soon as possible, otherwise my SSN would have bad records. Then they helped me transfer to XXXX police. The police who answered my call helped me to open a case, but for a while when they check my personal information, a voice from radio said that they found out I was involved in a major state second-class case, a huge transnational money laundering case headed by bank clerk XXXX XXXX XXXX XXXX XXXX has been arrested and hundreds of bank cards were found in her home, including one card created with my ID. There are more than XXXX XXXXXXXX RMB in this bank from dozens of victims, including an elderly woman who even jumped to her death under great pressure. And I will be extradited back to XXXX unless I put up a bond of XXXX RMB and wire that money to the XXXX XXXX XXXX XXXX XXXX so that I can apply for bail pending proceedings. I wired money twice from WELLS FARGO bank, the first transaction was XXXX USD at XX/XX/2023, sent to XXXX XXXX XXXX whose account number is XXXX, his bank name is industrial and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX : XXXX. The second one was XXXX USD at XXXX sent to XXXX XXXX whose account number is XXXX, his bank name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I realized what it really happened, I asked WELLS FARGO bank to help me request XXXX XXXX, and filed a claim. However, I called my bank to cancel the second transaction at XX/XX/, but the customer service said that I couldn't cancel that transaction at that time, so I failed to stop the second big amount. Now the bank said that the receiver 's bank account had been closed, thay can't help me further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sent money via XXXX using the Wells Fargo banking app on XXXX. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the XXXX app with the Wells Fargo app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to XXXX XXXX is registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX digit off. I need help getting my money back and getting the token ids correctly listed. I have more detailed accounts on EVERY conversation with claims and the executive office within Wells Fargo since XXXXi would be more than happy to provide more information. Please advise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear CFPB Team, I hope this message finds you well. On XX/XX/, I experienced a scam resulting in an unauthorized {$150.00} transaction on my Wells Fargo debit card. Despite reporting it promptly and filing a claim, Wells Fargo declined my request for reimbursement, insisting that I consciously made the transaction, and no action was taken to try to get me money back. The call with Wells Fargo was made on XX/XX/XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: WELLS FARGO BANK THE TAKE OVER DEPARTMENT HAS LITERALLY TAKEN OVER MY ACCOUNT BECAUSE THEY BELIEVE IT IS NOT ME WHO CALLS EVERY SINGLE DAY AND REQUEST SOMEONE OF HIGHER AUTHORITY OR MANAGEMENT TO CALL ME. IT ALL STARTED WITH A BLOCK ON MY CARD OVER A MONTH IN A HALF AGO AT XXXX FOR XXXX DOLLARS AND CHANGE. I SPOKE WITH THE REP AND SHE HELPED ME AND XXXX HAVE THE TRASCATION GO THROUGH, I SHOWED MY ID TO THE CASHIER AT XXXX WITH THE REP FROM WELLS FARGO ON THE PHONE, THE TRASCATION WENT THROUGH AND EVERYTHING WAS FINE. 3 DAYS LATER I WAS NOT ABLE TO ACCESS MY ACCOUNT ONLINE OR USE MY ATM. I HAVE A XXXX XXXX AND XXXX XXXX AND I HAVE BEEN IN AND OUT OF THE HOSPITAL I AM NOT ABLE TO WALK AT ALL. I INFORMED THEM OF ALL THIS. THE MONEY IN MY ACCOUNT IS REPETATIVE FOR XXXX DELIVERIES, MEDICATIONS MY DAUGHTER BLESS HER HEART DEPOSITS A COUPLE OF HUNDREDS OF DOLLARS TO HELP. THANK GOODNESS I NEVER CHANGED MY SSI BENEFITS FROM XXXX TO WELLS IMAGINE I WOULD BE OUT IN THE STREET WITHOUT BEING ABLE TO PAY MY BILLS. THIS IS HARRASMENT AND ELDERLY ABUSE. I DONT WRITE CHECKS I DONT USE IT TO MAKE BIG PURCHASES ITS BASIC AND THE SAME OVER AND OVER. I VERIFIY THE INFORMATION OVER THE PHONE EVERY TIME AND THEY TELL ME STEP INTO A BRANCH OR CALL BACK 24 TO 48 HOURS AND SEE WHAT WE CAN DO. I HAVE REQUESTED SERVERAL TIMES AND I KNOW IT IS ALWSYS ON A RECOREDED LINE SO THERE IS PROOF THAT I HAVE REQEUSTED TO SPEAK TO HIGHER MANAGEMENT TO FIND A RESOLUTION. IT IS APPARENTLY OBVIOUS THAT THEY CAN CARE LESS THAT I USE THOSE FUNDS FOR BASIC HUMAN NEEDS AND THAT I HAVE HEALTH ISSUES THAT I AM NOT ABLE TO GO TO THE BRANCH. PLEASE HELP WITH THIS ISSUE I AM AN ELDERLY WOMAN WHO LIVES OFF THE HELP OF MY DAUGHTER FROM THAT ACCOUNT AND MY SSI BENESFITS AT XXXX. I ONLY WANT AT THIS POINT TO WITHDRAW MY FUNDS AND CLOSE THE ACCOUNT WITH WELLS AS THIS IS NOT THE TYPE OF BANKING INSTITUTION, I WANT TO HAVE THE LITTLE BIT OF FUNDS I RECEIVE FROM MY DAUGHTER. THANK YOU,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A