Date Received: 2023-12-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This is a correspondence regarding closed complaint case # XXXX. In Complaint Case # XXXX, when I opened one checking and one saving account on the same day, I expected to receive a {$300.00} new checking promotional bonus and a {$520.00} new savings promotional bonus. However, after waiting the required 90 days, I only received the {$300.00} promotional bonus for my new checking account, but the {$520.00} still hasn't arrived. I contacted Wells Fargo three times seeking answers. The first contact was via phone with a customer representative and I was told that I would not have the required balance at the end of the first period. This is not true. The second contact was with the branch manager in XXXX CA, XXXX XXXX, and was told that I was only eligible for one of the two promotional bonuses, under the terms " You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months. She even called the authorities and spoke with a representative who confirmed what she had just told me. I told her that even though what you said was true, why did Wells Fargo chose to give me a bonus of {$300.00}? instead of {$520.00}. There is a difference of {$220.00} between the two. She said she could send a message asking why Wells Fargo gave me {$300.00} instead of {$520.00}. She kept telling me that even though I opened a savings account and a checking account at the same time, I only can get one of two promotional bonuses. She ruled out other possibilities such as slow payment processing. and insisted that I just could get one promotional bonus within 12 months. I completely disagreed with XXXX. So my third contact with Wells Fargo was through efpb. After more than two months of waiting for further research from them, XXXX XXXX from Wells Fargo sent me an email on XX/XX/XXXX stating, " After further research, we were able to confirm that you were eligible for a promotion bonus offer for of {$520.00}, when opening a Wells Fargo XXXX Savings account. '' However, they were unable to deposit the {$520.00} into my new savings account because I did not keep the account open within 30 days of meeting all the offer requirements. XXXX also said : " We also spoke to the branch XXXX and they advised that they offered to look into the missing bonus payments but you requested closure. '' I totally disagreed with XXXX. The reasons are as follows. 1. ) The branch manager XXXX said I would only get one of the two promotional bonuses. She told me she did not know why I just got # XXXX instead of {$520.00} either. She said she could send a message to the Authority to ask why Wells Fargo picked the least bonus of {$300.00}, not the highest XXXX {$520.00}. The missing bonus payout XXXX wanted to research was {$220.00}, not the full bonus of {$520.00}. 2. ) XXXX blames me for not waiting 30 days instead of blaming your branch manager for misleading the customer by providing wrong information. This is irresponsible and ridiculous. You have admitted that I was eligible for a {$520.00} promotional bonus when I opened a Wells Fargo XXXX Savings Account. Your answer is completely opposite to the answer I got from the branch manager. The thing is- if the branch manger ever told me I was eligible for {$520.00} and would receive it in 30 days, I would be willing to wait and not close the savings account, but instead of doing that, she called and talked to a representative to try and convince me that what she was telling me was the truth -- I am not eligible for {$520.00} promotional bonus. In this case, whats the point of keeping a savings account? I chose to trust your branch manager, but now XXXX is using my trust as an excuse to not give me the {$520.00} bonus I earned. I'm not sure if the branch manager intentionally or unintentionally misled me into closing my account to avoid paying the promotional bonus. Wells Fargo has to accept full responsibility for my {$520.00} loss because one of your employees misled a customer into closing the account by providing incorrect information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I deposited a check in the amount of {$21000.00} with Wells Fargo. The bank cleared the funds and said the balance is available in my account to use, no restrictions posted or notified about, no waiting period. I paid my taxes due, other loans, and made other expenses based on the available balance in my account. Per their own admission there is no notification of any holds on any fund on my account. They declined my transaction after letting my account being overdrawn - {$1900.00} without any single notification. On their end, hidden from me, the fund will not be available to me until next week. I made financial decision based on the funds available and they are ruining me financially because I will end up defaulting on the IRS agreement and missing other loan payments. I have made large amount deposits in the past in the same account and have not had any issue before. They are refusing me access to the funds they say I have available, and refusing to cover the charges made, but I have proof that my account has an available or posted balance of {$21000.00} at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: this company Wells Fargo XXXX XXXX sent me XXXX pages of bank statements and telling me the date someone paid the bill. but they refused to give me what i ask for which is every single item a identity theft victim can request. except for, i don't want no fraud reports on my credit report. i have locks on there. i also want the account remove because the credit bureau says that the company verified it to its maximum accuracy which they didn't and they certified it over XXXX times from XXXX to XXXX XXXX. so i want the account removed, a letter from them showing that I do not owe anything, and a {$20000.00} check which is not even 5 % of what they cost me, not including punitive or statutory damages. im filing next week a demand letter and the beginning of the week after injunction relief and a civil suit for statutory and punitive damages if this is not solved. the XXXX branch of Wells Fargo called me and asked why I was bothering them and my credit is the one stolen and damaged. I'm saving the list of over XXXX violations for the civil suit if it gets to there. I have every record recorded and i will also subpoena their records too. Wells Fargo got caught for XXXX years in a role destroying American people 's lies and their policy should be known at least to cfpb and FTC and it should be changed. delete this account from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got a priority envelope in mail had a check in my name seemed real went bank to see if I could deposit it it went threw I didn't expect nothing bad was going to happen i called the number and gave the batch number as indicated in document screens hated recite to the company and that was that for that day next morning got a alert about the check so I called and lady was angry and told me were closing ur account I tried to explain but they didn't care so I started getting XXXX and was chocked about all this that happened later that they got a message from the scammer and told me your lawyer wants to know if u could send payment so you could receive your winnings from lottery XXXX XXXX then I notice I was being scammed now over this person I loose my account I should of seen the red flags but I was being fooled whole time now I don't know what to do I really like wells fargo I didn't want to end up like this I hope I could get this taken care of it really hurt me and I would never fall for this incident ever again thankyou
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a Wells Fargo credit card customer for XXXX years, with a consistent history of timely payments via autopay. Recently, I discovered that my autopay was canceled without my authorization. Upon contacting Wells Fargo, I was told that I had canceled the autopay, which is inaccurate ; I have never interrupted this service. Furthermore, when attempting to reinstate autopay, I was restricted from using my XXXX XXXX XXXX account and was directed to use a Wells Fargo checking account instead. This restriction seems to be a deliberate tactic to coerce customers into using Wells Fargo as their primary banking institution. This issue has led to unjust late fees, as the cancellation of autopay was a result of a system error on Wells Fargo 's part, not any action of my own. I am now in the process of closing my accounts and taking my business elsewhere due to this unsatisfactory service and the financial inconvenience it has caused. I request a thorough investigation into this matter and appropriate remedial action, including the reversal of any wrongful fees and an assurance that such incidents will not recur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of {$20000.00} from my XXXX checking account to my Wells Fargo credit card on XX/XX/2023. The money left my XXXX account on XX/XX/, 2023. I called Wells Fargo on XX/XX/ 2023 at XXXX Eastern Time inquiring why the available credit limit and balance hasn't been updated, and they claimed even though the money is with Wells Fargo they have placed a 15 day verification hold on the account. They were unable to get on a 3-way call with XXXX to verify the payment nor were they willing to provide details on the verification hold. My money is sitting with Wells Fargo for 15 days without interest, and I am unable to use my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: COMPLAINT ID XXXX CFPB. I filed against Wells Fargo need to be amended to reflect Wells Fargo Claim number XXXX. I mistakenly put Wells Fargo Claim XXXX which is wrong. I further request information as to why my Wells Fargo account Clear Access account is overdrawn when the Wells Fargo Clear Access accounts DO NOT allow overdrafts. I further seek clarification as to why Wells Fargo Claim XXXX I have not received documentation thru mail or electronic as to its outcome. I properly reported the fraud. If the account was being monitored why was I not notified by text, email or call? Only by email when my account reached zero and over {$5000.00} was taken. Wells Fargo states Zero Liability if timely reported. I reported when Wells Fargo emailed me my account was at zero. Time line shows I was headed to XXXX XXXX, then California, Arizona yet that same card was used in two separate states at the same time. My Wells Fargo Clear Access account is over drawn yet that particular account does not allow overdrafts. Wells Fargo can not advertise Zero Liability if reported timely, and then turn around and deny based on IP addresses, and login information, which are subject to be compromised fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo consistently picks and chooses what they will allow to come through when my balance is insufficient and is usually the higher dollar amount rejecting the lower dollar amount and then assessing multiple overdraft fees wiping out my check. I authorize overdraft for emergency situations when I need groceries or other items and I am short on funds but feel that Wells Fargo is in violation and using the higher amounts coming through to ensure their overdraft fees knowing I am unable to come up with the amount. Allowing one to come through, rejected two then allow another high amount to come through. My account is {$390.00} in the red with 3 overdraft fees assessed after allowing a large phone payment, a loan at {$100.00} to come through yet rejecting payments on loans while allowing the subscription fee to come through. I am sick of large overdraft due to how they choose to process and am looking to get a new bank as I now won't have money to pay bills that I needed paid this payday due their processing. This has to be illegal as I would never agree to allow {$200.00} + to be approved in just a few transactions and XXXX + overdraft. The extra day grace period is a joke as I can't come up with over {$200.00} between pay days and they know this. I am done and want this resolved. XXXX XXXX was willingly done on my part due to the threat of cancellation XX/XX/24 {$170.00} as it wouldn't be that much over, however they allowed XXXX XXXX charges to come through {$23.00}, {$13.00} and {$29.00}. An amount of a loan {$100.00} on XX/XX/24 and {$5.00} membership fee for XXXX yet rejected the repayment of {$53.00}. Recently allowed XXXX XXXX through for {$7.00} when my balance in the red over {$300.00} due to the XXXX {$35.00} fees assessed for the membership fee, XXXX and the {$100.00}. also rejected XXXX for {$55.00}. This is not good practice and they know a customer can't come up with that amount between pay days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: WELLS FARGO DROPPED MY CREDIT LIMIT FROM XXXX TO XXXX K. I HAVE PAID THIS XXXX ON TIME ALWAYS!! THIS HAS CAUSED A XXXX POINT DROP ON MY XXXX XXXX.THIS HAS ALSO CAUSED ANOTHER XXXX K LOSS ON CREDIT LIMIT WITH OTHER XXXX, NOW I CAN NOT GET A CAR LOAN OR A SOLID LOAN FOR A HOUSE! MY INSURANCE HAS GONE UP AS WELL!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XX/XX/, my husband and I opened a checking account with Wells Fargo and still maintain it. As with most banks, we were given the choice to opt in or out of overdraft protection. We opted out of overdraft completely. However, on all of our statements, overdraft was clearly allowed and we were responsible for the fees accrued. I have recently learned this was an issue for a significant number of customers. Since there is an advisory against including personal information, I will not send statements, but I will gladly share them privately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A