Date Received: 2023-12-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo charges me fees on my acct I had a checking acct with them sometime between XXXX and I have not received payment from them like everyone else has
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96007
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX and I am writing to file a complaint regarding unauthorized transactions on my Wells Fargo Bank account. Despite my efforts to address this issue directly with Wells Fargo, my claim has been denied, and I have encountered difficulties in resolving the matter. I have identified numerous unauthorized transactions on my account, specifically from two merchants, XXXX XXXX and XXXX XXXX. These transactions were not initiated or authorized by me, and I have made several attempts to rectify this situation through Wells Fargo 's dispute resolution process. On XXXX of XXXX, I initially filed a dispute for all the transactions in the account ending in XXXX, with claim no XXXX. Despite providing all necessary documentation and information to support my claim, Wells Fargo has denied my request for reimbursement or investigation into these transactions. This denial has caused financial distress and significant inconvenience. I tried calling them several times to find out the reason for this denial. In one scenario, an executive mentioned that they are filing the dispute again and they will resubmit the claim, the very next day another executive from the fraud department mentioned they can not file a second claim on transactions. Then who is saying correct. I Strongly believe they didnt even do a proper investigation. They can listen to the recordings because every call is being recorded on their end. I hereby request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that proper action is taken to resolve the unauthorized transactions on my account. I am seeking a swift and fair resolution to this issue and request your assistance in compelling Wells Fargo to investigate these unauthorized transactions promptly. Thank you for your attention to this matter. I look forward to your prompt action in resolving this dispute. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75063
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: I mobile deposited a check on XX/XX/2023 and was told the money would be available in my account {$190.00} on XXXX XXXX. I checked my account early in the morning of XX/XX/XXXX and my deposit was in my checking so I paid two bills and made a couple purchases online. I make it a habit to check my balance every morning and evening. On XX/XX/2023 I checked my account balance and found out that Wells Fargo pulled the deposit back out of my checking account and I now have a negative balance but they didn't take the entire amount I deposited they only put me negative what was left in my checking account. How can they get by with depositing the money in my account for XXXX XXXX hours and only take what I didn't spend back out? I believe my account is negative {$94.00} dollars and some change.i filed a complaint and nothing was done by XXXX at Wells Fargo. XXXX said he checked into the matter and they were not putting the money back into my account. In some way everything about this situation screams illegal! I'm going to push this if I have to hire an attorney. Wells Fargo should have go put the money back into my account. Any assistance will be greatly appreciated and if you can direct me to where else I can file complaints please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 263XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Dispute Request - Inaccurate Reporting of Collection Account by Wells Fargo ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, specifically related to a collection account reported by Wells Fargo ( Account Number : XXXX ). I have recently obtained my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of the last active date for the same collection account across the three credit bureaus. Account Information : Creditor : Wells Fargo Account Number : XXXX Inaccurate Last Active Dates : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inconsistency in reporting last active dates is not only confusing but also violates the accuracy requirements outlined in the Fair Credit Reporting Act ( FCRA ). I believe that the discrepancies negatively impact my creditworthiness and may result in an inaccurate representation of my credit history. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies in the reporting of the last active date for the Wells Fargo collection account. Specifically, I am requesting the deletion of this item to ensure that my credit reports accurately reflect my credit history. Enclosed with this letter, please find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX, highlighting the discrepancies in the reporting of the last active date for the Wells Fargo collection account. Additionally, I am providing any supporting documentation that may assist in your investigation. I understand that the FCRA requires credit reporting agencies to investigate and correct inaccuracies within a reasonable time frame. I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation in writing. Thank you for your assistance in resolving this dispute. I look forward to a swift and accurate resolution of this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I'm filling this complaint against one of the worst banks in the USA Wells Fargo for poor service, fraudulent, bad faith, and unfair cause to close my checking account this info for previous complaint filled with CFPB and Wells Fargo Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Wells Fargo admitted their fault attached are copies of letters received Our records confirm a XXXX advance for {$8000.00} posted to your credit card on XX/XX/. A payment was made to the account for {$7200.00} on XX/XX/XXXX XXXX XXXX cleared and the wells fargo teller successfully withdrew from the account went back to branch after a week to see where is issue, customer service told me we they will take care of it nothing you can at the moment week later wells fargo closed my credit card and didn't issue my reward balance before they closed my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
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: Problem making or receiving payments
Consumer Complaint: I have a business checking account with Wells Fargo and have had that account for about 7 years. The address for the account listed my Post Office Box. In the last few months I received a letter from Wells Fargo telling me that I need to change the address on the account because Post Office Box numbers are not allowed. I immediately went on line and followed the instructions in the letter to change the address. As far as I knew at the time the address was changed. Then I received another letter from Wells Fargo telling me I need to change the address on the account, which I thought I already did. So I called Wells Fargo and the representative I talked to said she checked the address and it was changed and everything was fine- the letter and change must have crossed. Then on XX/XX/2023, I tried to wire money from my business account to pay for an annuity payment for one of my clients. I received a notice that my wire could not be sent. I called Wells Fargo and they told me account was on hold because the address listed was not correct. I explained to them that I had changed the address and it was confirmed by a Wells Fargo employee. I asked for the hold to be removed and was told it could take 4-10 days. So in the meantime, I am unable to pay my employees and receive payments from my clients for the work I have preformed. Further calls with Wells Fargo has resulted in no action being taken on their part to remove the hold as of XX/XX/2023. This whole incident has caused me great stress that has affected my health- especially my XXXXXXXX XXXX XXXX XXXX XXXX. It has prevent me from paying my employees and from receiving payment from clients. Clients sending me payment are seeing the payment rejected and are incurring fees for the rejection. This is destroying my reputation that I have built practicing law for 24 years. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I'm writing this letter to inform you had bad faith, unfair, poor service from Wells Fargo credit Card Dept please do whatever is necessary to address this problem as soon as possible I have a reward balance of {$330.00} in my reward account No # XXXX and they closed my credit card and my reward account before issuing my reward or letting me redeem it, I contacted the Credit card dept many time, after putting me on hold for over 50 minutes every time, just disconnected and had to call back,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a call from a number that showed ID on my phone as Wells Fargo ( XXXX ) at XXXXXXXX XXXX on XX/XX/XXXX asking to speak with my son. After telling them I was the primary account holder, I googled the number to verify that it was a Wells Fargo number and it was. The rep said he was calling because I had a suspicious transaction and asked if I authorized {$640.00} to purchase a generator from FL. When I said no, he said he would stop that charge, and asked to read back 5 transactions from my checking account to verify if I was the primary account holder which I did. Then, he said he'd look in to recurring charges as well and found recurrent charges for a rent in FL and asked if I authorized it. When I said no, he said that was recurring payments that was so far totaled in {$11000.00}. He said I had to reverse it and told me to go to my wallet for my XXXXXXXX XXXX and needed to transfer my money in checking account to reverse it. I work in XXXXXXXX XXXX and was at work. I had to ask multiple times why the transaction was necessary while trying to attend to patients. He explained 3x but still didn't make sense but said the transactions would go through at XXXX XXXX and had to hurry. He instructed to transfer for each transactions and listed {$2500.00}, {$2000.00}, {$800.00}, {$1100.00} to my XXXX XXXXXXXX. Then instructed to go to Wellsfargo app to connect with XXXX card which didn't work. Then instructed me to connect my wellsfargo account to XXXX Debit card and instructed to click " instant transfer ''. At that point, I heard an auto female voice in the back ground that " in one minute, this call will be terminated ''. When I asked what that was, the 'rep ' said " we are only supposed to be on the phone with customers for an hour '' and was a warning. He said he'd call me right back. He then called from XXXX ( XXXX XXXX PA ). I looked up the number again and found that was not a number from Wells Fargo. I put him on hold and called Wells Fargo from my work phone and asked if they were reaching me about the matter and was told no. I reported what was happening while I still had him on hold. He called back 11 more times before I blocked the number. Wells Fargo took the report. I sent an email to " XXXX '' which I found on their website about the incident. I called the rep to follow up with the claim and was given a claim number. I received an email on XX/XX/XXXX to notify me of " changes to your delivery preferences '' which had a list of my accounts of delivery preferences. Then, another email on XXXX with a title Confirmation needed to release temporary suspension protecting your account ending XXXX to notify me that they discovered unusual activities or updates on your account that we believe may be unauthorized. Same email for 2 of my other accounts including the checking account for my sons name under my account. I called them and told them that I did not give out any of my checking account info, nor my SS # to jeopardize my actual debt card or checking account. They said that my debit card had suspicious access and not my sons card. They said that my card was stopped and a new card would be mailed to me- which I received. During the call, they assisted me to change username and password to access my accounts online. I received an email from Wells Fargo to notify me that they were processing my claim on XXXX and on XX/XX/XXXX, and an email about deactivating my digital card in XXXX XXXX. On XX/XX/XXXX, I received an email from Wells Fargo that they were processing my claim with a new reference number I have never seen. In the emails, there is an instruction to go to dispute transactions under Security and support in Wells Fargo website to check the status. The new number had all the 4 transactions in the total of {$6400.00} but the reference number I was initially given only had {$2500.00} listed. I received mail to notify me of provisional credit in the amount of {$2500.00} until they settle the claim. I returned a call/VM from Wells Fargo associated with their claim processing on XX/XX/XXXX and was told that all charges had valid billing address and zip code and was concluded as a valid transaction and was closed. I explained to them again what happened, how none of my debit card nor credit cards were used in any of the transactions, and told them it did not make sense for them to verify billing address nor zip code for this fraud. The rep said oh this is not responding to a text case and said she was escalating the matter and I would receive a call from a higher level of claim processing staff within 2 business days. I received a letter from Wells Fargo dated on XX/XX/XXXX to notify me that the claim was resolved and closed due to their findings that the transaction was authorized or no processing error did not occur. I found out that there have been similar incidents occurring with other Wells Fargo customers this year via TV news in other states in the US and a Wells Fargo website page to warn customers to watch out for calls from Wells Fargo numbers. Despite having the knowledge of this specific type of fraud, they simply dismissed the claim stating that the transitions were authorized and closed the claim. Most importantly, they failed to notify their customers to send emails, or letters to warn customers of the specific type of fraud. As another victim of similar fraud on the news, how do we differentiate calls from legit Wells Fargo rep vs someone taking over their numbers when they are very knowledgeable of Wells Fargo system including each step on their website and mobile app, how they make phone calls, and steps they take to verify our identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a HELOC and there is a sub account, the payment is to be one payment, they split it into 2 payments, I paid & there is payments shown but they have reported me for being late in XX/XX/XXXX & now XX/XX/XXXX. I was told by XXXX XXXX that since I complained they would place more late payments on my credit. They did. XXXX XXXX from Wells fargo told me that Wells fargo is hemorrhaging accounts & they need to stop ppl from refinancing elsewhere & their making sure accounts are looked over & they report late payments aggressively. This is the 2nd time I've had to report them for the same issue. This is not 2 accounts it's one HELOC & they are now saying it's 2 accounts 2 payments & it never has been. Below are the payments from the account & as you can see I paid it & they reversed it. They are on purpose filling late payments again ppl to ruin ppl 's credit to stop us from refinancing. I have show the payment I just made has been reverse & now they show there's not a payment made. I make the payment amount that is shown on their website & XXXX XXXX told me I have to now open the statement & pay some amount I do not see on any statements, XXXX says the website is no longer has the right amount to pay & I have to open every statement & pay that amount but the amounts are the same, they took my husbands credit from XXXX to XXXX this is shameful & how are they allowed to do this? Wells fargo is on purpose playing games with payments so they can ruin your credit so you can not refinance to get out from under them. Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL REVERSAL {$18.00} Transaction Details for XXXX XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Proof of payment. Date sorted in descending order Description sort in descending order Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$1.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$18.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A