Date Received: 2023-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hey there, my name is XXXX XXXX and I have been running around for months trying to get my money back. I've talked to my XXXX multiple times and they have provided me with adequate proofwhich shows that they no longer have my funds and that Wells Fargo indeed is responsible for my loss of funds. I received a CPFBnotification stating that my Wells Fargo complaint has been closed and that I will not receive access to my hard-earned money because I there is proof that Wells Fargo sent my funds back to XXXX ( XXXX XXXX ). When I heard this, I was over the moon because I thought was finally the proof that I needed to show XXXX in order to get my money back, but after giving XXXX this information, they informed me that a chargeback had been done with my card issuer ( Wells Fargo ) which means that the seller now currently has my money and there is no way of getting this back. I have submitted a few document to this complaint, included that of XXXX 's which states that I submitted a chargeback with Wells Fargo ( which I clearly didn't as I didn't have access to this closed account ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Wells Fargo performed a " Web Direct/Debit Payment '' withdrawal from my XXXX XXXX XXXXXXXX checking account that I did not authorize. I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. That auto loan has been on an automatic loan payment program since XX/XX/XXXX. Every month since XXXX of XXXX, Wells Fargo has performed an " Automatic Loan Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account and apply it to my Wells Fargo Auto XXXX. On XX/XX/XXXX, Wells Fargo performed a " Web Direct/Debit Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account. These types of electronic transactions require customer authorization. I did not authorize such a request. On XX/XX/XXXX, Wells Fargo performed the typically scheduled " Automatic Loan Payment '' transaction and withdrew a second {$510.00} from my XXXX XXXX XXXXXXXX checking account. On Wednesday, XX/XX/XXXX, I discovered Wells Fargo 's unauthorized withdrawal from my XXXX XXXX XXXXXXXX checking account. I contacted Wells Fargo customer service and was asked to email screenshots of my XXXX XXXX XXXX checking account transactions showing that the Wells Fargo withdrawals had cleared. The screenshots were emailed. On Thursday, XX/XX/XXXX, a representative named XXXX from Wells Fargo left a voicemail on my wife 's phone asking me to call her regarding the issue. I attempted two callbacks on Thursday. I tried a third callback on Friday at approximately XXXXXXXX XXXX Pacific. I reached XXXX and was informed that she would try to look into it, but it would likely not be until Monday XXXX, XX/XX/XXXX, because she only worked for another XXXX minutes. No options were provided for me to speak with another representative working Pacific Time Zone business hours. So now, it appears that Wells Fargo will not make any effort to reimburse me for my money. This error on their part placed me in a difficult position as I relied on that {$500.00} to pay other bills. XXXX also told me that Wells Fargo had XXXX business days to decide to give me back my money and would mail it to me because they had no method of electronically transmitting the payment back to my Checking Account. That is hard to believe because they electronically withdrew my money when they first made the mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX, my husband and I contracting XXXX Today for flooring and made a {$250.00} deposit at that time we financed {$750.00} in my ex-husbands name with their in house financing company ( Wells Fargo Bank ). On XX/XX/XXXX it was installed. I paid off the balance using my funds from my bank in a couple of months in that same year. On XX/XX/XXXX, I received an invoice that the purchased was not paid. I called and they said that my ex-husband disputed the charge and they sent him the money directly to him. Now XXXX XXXX is billing me for something that was paid. They told me that on XX/XX/XXXX my ex-husband got the funds. Wells Fargo made this error without even investigating that it was paid in full! The Wells Fargo account is in his name only, but I made all the payments not my ex-husband. XXXX said that Wells Fargo took the money back that i paid for in XXXX. I am being forced to pay for something I paid for and being threaten to send me to collections. Please help me with this case. I will only pay for what I am supposed to, not for their errors. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX th I thought I was getting an online loan. The loan company scammed me. Used a fake application pretending to be a reputable online loan company. They were suppose to deposite XXXX in my checking account. Instead the deposited XXXX four times in my account and told me to send it back by XXXX XXXX to make sure my account was in good standing then they would deposite my money. I sent them back XXXX back which ended up being fake deposites and they got my money. Called the wellsfargo when I realized I had been scammed and put in a fraud claim. They are refusing to get my money back to me. Also filed a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: While trying to make a second payment in the month of XXXX by phone the payment wasn't accepted, I tried to make the payment on 3 different days in XXXX, but it continued to be declined. I contacted customer service and they tried to pay it and couldn't. I was eventually told that only one payment can be made in a billing period, however I explained to them that I have made more than one payment numerous times during a billing period, they didn't offer any explanation. Also I waited for my next billing period and tried to pay {$3000.00} on my credit card and again the payment was declined, the reason given to me is that I can make only the minimum payment which is {$100.00} and once I paid this amount no other payments will be accepted until the next billing cycle. Wells Fargo is holding consumers accounts XXXX in order to capitalized on interest rates. Regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Wells Fargo refused to resolve my dispute with the vendor, this vendor had overcharged me XXXX in the past for dental work and Wells Fargo disputed the charge and return my money, however I was recently charged more than what I signed for on the receipt and this time Wells Fargo has sided with the vendor even though Wells Fargo have my receipts. The credit card statement shows that more money was charged than what was noted on the receipt. The charge was XXXX on XXXX, but the credit card statement shows XXXX which is a difference of XXXX Also on XXXX for another dental procedure at the same office I was charged XXXX but the statement say XXXX a difference of XXXX. Thanks for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
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 with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a Bilt card through Wells Fargo that I use the pay my rent and earn points monthly. On XX/XX/XXXX several charges hit my account that were not made by me totaling XXXX. I called and opened up an investigation and the company removed some of the fraudulent transactions but still left XXXX on the account and will not remove it after a few open claims for fraud. I contacted the merchant, XXXX and they also had no record of the charges attached to my account. They claim by answering their text messaging system asking if a purchase was valid, I am now liable for the full amount. The charges for XXXX hit my account XXXX times within the same second and it is very clear that it is fraudulent. Wells Fargo is holding me liable for a purchase that I did not make at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
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: Fraud or scam
Subissue:
Consumer Complaint: The date of the incident was XX/XX/XXXX I got a call on XX/XX/XXXX from the fraud detection dept of my bank wells fargo, in regards to two transactions made on two of my accounts, one was joint checking account with my husband, which we took me out of the joint account for this was something that we were going to do anyway, for I have my own cheching account, which is the second account the got an incident. Someone from LA went to wells fargo there and made a cashier 's check with my info, and before that he/she accessed ny online banking and transferred money from the joint account ( previousley ) to my personal checking, how were that/those people able to get a cashier 's check without their identity verified by the teller/manager of the wells fargo bank in LA. How did that/those people get the cashier 's check so easily that they could have taken cash as well from the account without being verified, unless/could be that it was set it with the teller of the bank or miss checking and verifying from the teller/manager, and yesterday even after we went to the bank and closed the accounts and got new accounts numbers, the people has made many attempts on XX/XX/XXXX XX/XX/XXXX to pull more money out of the accounts, for we were notified by the bank the next day in regards to this major fraud and identity theft incident. The bank gave no info other than where it happend, which in LA and for what the cashier 's check was made for, which was for rent, but the bank gave us no info of which bank and time of incident or the name of teller or the name of the manager or the name of the entity that got the payment. We really need help. This have never hapoened with us or anyone we know before. We are very worried, anxieted and scared that they might do thar over and over with us or other people. We need our money back, the bank returned to us the online transfers back, but they told us the cashier 's check money should be back, the did not guarrenty it for us. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92020
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of identity theft which involves several banking institutions Wells Fargo acct. XXXX XXXX. Reported as account abuse to XXXX XXXXXXXX. As well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for acct abuse as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reported to XXXXXXXX XXXX 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: 92555
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: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a debit card with Wells Fargo and on XX/XX/23, it was attempted to be used for at least 6 unauthorized charges of {$50.00} through XXXX for XXXX credits ( only XXXX of the {$50.00} charges were successful ). I immediately responded to a text message I received from Wells Fargo asking if the charges were made by me, and I said no. I then immediately turned off the card and called the Wells Fargo fraud complaint line to ensure it was reported promptly and correctly. On XX/XX/23, Wells Fargo closed my fraud complaint and said there was no fraud, even though I immediately reported it as fraud, took all the steps to ensure no further charges were made, and have proof that the charges were not made or authorized by me. When I called the fraud complaint line to see if an appeal was an option, I was told I could file a police report if I wanted to take any more action, but that Wells Fargo would not be crediting my account for the 4 {$50.00} charges and that the complaint would not be labeled as fraud. I was not given an option to appeal this decision or told specifically why they didnt find it to be fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A