Date Received: 2024-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I won a lawsuit and deposited my check/ cash into my account. The bank froze my account and took it from me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I Had taken the XXXX vaccine and had XXXX XXXX and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX me! so sad. XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and there is other late payments that are inccorect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Wells Fargo sent me an email to open everyday checking account with the promotional bonus. When i followed that email and tried to open the account then the application was denied. Why in the first place Wells fargo send an email like this if they have to deny my application?
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: 2024-02-27
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: I am a joint owner on a Wells Fargo Checking Account with my mother. My mom is older, on a fixed income, and has XXXX XXXX XXXXXXXX so dealing with stressful financial things is difficult. I am usually her advocate. She never completed opening a XXXX Account linked to the checking account. In XXXX of XXXX there were XXXX instances of XXXX XXXX : XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX Void XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX XXXX # XXXX {$990.00} XX/XX/XXXX XXXX to Case Close Ref # XXXX Close Case XXXX {$990.00} These 4 transactions totaling almost {$4000.00} were all fradulent. We have called multiple times and put in multiple claims of Fraud and Wells Fargo has done nothing. I am a complete joint owner on the account. We have also gone to the bank in person ( XX/XX/XXXX ) and filed a claim. In the most recent interaction they closed my claim and refused to discuss her older claim because " the transactions originated from her online account ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had a account from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
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: Money was not available when promised
Subissue:
Consumer Complaint: Good morning, My husband and I are XXXXXXXX XXXX and just XXXX ( maybe temporary status for me ) at the end of XXXX. Some may say we are old school. We believe in hard work, transparency with honesty, and am proud XXXX XXXX We remember simpler days when face to face interactions covered documents you were signing for and staff were trained in their jobs or if they were unsure of guidance, could consult a fellow colleague, not a help desk number. Dont get me wrong, I rely on help desk services but my point is that in my situation with WF ( Wells Fargo ), a banker that had never encountered my situation before presented me with XXXX options as per the advice of a help desk. Background.. On XX/XX/XXXX, a cashiers check of {$15000.00} was purchased from the account ending in XXXX from Wells Fargo. It was sent first class and certified mail to XXXX for an additional mortgage principal payment since we were planning on selling our house. On XX/XX/XXXX, I called XXXX and found out the check had not been cashed or received! So I went to WF and dealt with a banker there by the name of XXXX XXXX confessed he had not ever faced this type of situation before. We both agreed that the check should have stop payment on it. He presented XXXX options to me. Option XXXX was to purchase a surety bond for {$300.00} and access funds. Option XXXX was to wait 90 days and then get the money. He wrote XX/XX/XXXX on his business card as the 90 day mark. He had been working with a help desk as to how best handle my situation. I opted for 90 days. I then signed an electronic pad with my name and he handed me a XXXX page form and page XXXX and XXXX of what I later found out was a XXXX page form. I then called XXXX and told them to not cash the check if they found it and to send it to me ASAP as XXXX said if I had the physical check, I could get my money sooner than the 90 days. I called XXXX at least XXXX time a week and sometimes more to find out about the receipt. I called USPS and they tracked the package and said it was in an Arizona post office waiting for XXXX. XXXX said it was not there. Back and forth we went for weeks. On XX/XX/XXXX I find out that the XXXX tried to cash the check on XX/XX/XXXX!!! In the meantime they told me they did not receive it. It gets uglier and more complicated as a result of XXXX action which after a FDIC complaint, I got straightened out. Many tears, XXXX XXXX and XXXX pursued. In the meantime, we tried to buy a house and my husband and I decided to pay the surety bond since we needed the money. WF then told me we would need to wait 3 YEARS since XXXX tried to cash the check. By the way, XXXX could not cash the check on that XX/XX/XXXX date as it had the payment stopped. I escalated the case with WF. I was told by that banker that it was to be handled at the branch level. He agreed that the customer service dropped the ball at WF. He said that there was communication that the branch in XXXX ( XXXX XXXX ) needed to provide better training to prevent this from happening again. The branch manager ( XXXX ), said he could not help. He said we needed A letter from XXXX ( on letterhead ) stating they will not provide the XXXX and do not intend in pursuing a hold in a due course claim. The letter would need to include the full description of the cashiers check ( date, serial number, amount, payee, etc. ). XXXX has since told me they can not accommodate this request. They are not returning my calls over the past few days. We have closed our mortgage account with XXXX now and they confirmed in a correspondence that they shredded the check and that the account is closed. Settlement was XX/XX/XXXX. However, WF will not budge. In fact, XXXX ( contact at WF assigned to case ) has repeatedly tried to twist my words, is arrogant and has a true XXXX to be you attitude during our phone conversations. I hope to pull funding from WF within the next few months as well. Our new mortgage is with another bank. I then wrote an email to WF executive board and received this reply. Wells Fargo case number : XXXX & XXXX Account number ending in : XXXX Office of the Comptroller of the Currency, case number : XXXX Dear XXXX XXXX XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. About the check On XX/XX/XXXX, a cashiers check of {$15000.00} was purchased from the account ending in XXXX. On XX/XX/XXXX, the cashiers check had a Stop Payment placed. The Declaration as to Lost, Destroyed or Stolen Cashiers Check form was signed on the same day. On Section 9 of the form : To further protect the Bank from issuing the stop payment order relating to the check, the Bank may continue to retain possession of the amount used to purchase the check and will not be required to re-credit my account for said funds until the later of ( 1 ) when the claim becomes enforceable, ( 2 ) any claims brought relating to the check are resolved, or ( 3 ) the three year time period has passed since the check was presented for payment. No one went over this form with me. Please note, no interest is applied to the funds on the check. Upon further review, XXXX XXXX is the recipient of the cashiers check. In order to seek an exception on the 3 year waiting period, we would need : the original copy of the cashiers check or Image Replacement Document ( IRD ) which is a legal substitute check or A letter from XXXX ( on letterhead ) stating they will not provide the IRD and do not intend in pursuing a hold in a due course claim. The letter would need to include the full description of the cashiers check ( date, serial number, amount, payee, etc. ). About the service We sincerely apologize for the service you received from our Bankers. We hold all of our Bankers to a strict code of conduct and expect them to provide accurate information in a courteous manner. We regret we did not meet our expectations in this instance. We shared your comments with the appropriate management teams. Thank you for detailing this experience. Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, XXXX through XXXX from XXXX XXXX to XXXX XXXX. XXXX XXXX. We accept telecommunications relay service calls. If there is an attachment to this email and you can not read it, please contact us. Sincerely, XXXX XXXX. Escalations Representative XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX Fax : XXXX cc : Office of the Comptroller of the Currency s contacted yesterday by the escalation team contact at WF. XXXX will not call me back and WF will not send me the forms that I signed that address what is in this email! That money is needed for the purchase of a car. We did everything right. USPS, XXXX and WF all dropped the ball and we are left waiting XXXX years for {$15000.00}. The account is closed with XXXX, the check could not be cashed the first time. WHY do we need to wait 3 years?????? Please help us. We need someone to look at this objectively. Put your self in our shoes. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19607
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lost my wallet and phone at a XXXX XXXX XXXX XXXX. I didnt notice until it was too late and had over 22 charges totaling over XXXXXXXX XXXX. I called Wells Fargo and they cancelled my card and said they will be investigating but to call back after they are done pending to get a provisional credit. I called back and they issued be one XXXX XXXX provincial credit and said they others werent posted yet so Id have to call back again. So I waited and called them back when all the transactions were posted. They then informed me that the lady before that gave me the XXXXXXXX XXXX provisional credit shouldnt have gave it to me and that I had to wait 10 business days to get an answer. I called Friday on the XXXX XXXX XXXX exactly 10 business days and they told me that I would get a call by the end of the day about my claim. It is now Monday the XXXX and I didnt get a call back so called them again. They kept on giving me the run around saying that they will escalate the claim and that I should Have an answer by the end of the day today. Also one of the ladies there said since I already gotten an accidental provisional credit of XXXX XXXX that now it extends the timeframe to 90 days which I dont know how true that is or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a business account in XXXX. Wells Fargo closed my account because of their internal error. They did not do the proper paperwork and corporate office closed the account. The local branch received at least 8 notifications that there was something wrong and never reached out to us to fix it. They closed the account and supposedly sent a check out for XXXX XXXXXXXX on the XXXX. I still have not received this check. I have tried multiple times to get them to fix this and it still is not done. They are holding up the process of this building by not having the funds in my account to run my business. The local branch refuses to escalate the complaint. I have been lied to multiple times about fixing this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: WELLS FARGO BANKAND ITS SUBCONTRACTORS IN FINANCE AND LITIGATION HAVE BEEN COMMITING RACKETEERING AGAINST ME FOR SEVERAL YEARS. THEY MAKE NO DEFENSE TO THE CLAIM MADE AGAINST THEM. THEY CONSENT TO THE CFPB ORDER AND CONFIRMED THE AFFADAVIT OF DAMAGES. BUT AGAIN WENT XXXX XXXX ALL OF XXXX WITH FURTHER RACKETEERING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A