Date Received: 2023-11-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The week of XX/XX/XXXX, multiple charges were cleared in my account while my account was negative. The multiple charges caused {$35.00} overdraft fees. The bank approved charges because they can process the additional fee for overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had 2 wire transfers ( XXXX Euros Each ) sent to my Wells Fargo Checking Account from XXXX XXXX on XX/XX/2023 through XXXXXXXX XXXX. My account was only credited with one of the transfers. Wire Reference # 's ; XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or around the last week of XX/XX/2023, my wallet and cell phone were stolen. I promptly reported my stolen debit card to Wells Fargo. I learned from the customer service representative there were multiple unauthorized ATM withdraws. The total amount of the unauthorized transactions was {$2300.00} plus out-of-network ATM fee ( s ). Wells Fargos investigation took longer than ten ( 10 ) business days and I never received provisional credit. I had to call Wells Fargo after 10 business days to learn my claim was denied because of two-factor authentication from my phone. I told the agent my phone was stolen and the agent said theyll conduct a second investigation and review the phone issue. Wells Fargo failed to conduct a reasonable investigation within 10 business days. Wells Fargo should have either completed a reasonable investigation within 10 days or provide provisional credit. Wells Fargo failed to do both. If the perpetrator ( s ) used an ATM, then the camera would show the suspect ( s ). I never had any authorized users. I dont have a joint account. I never gave anyone permission to use my debit card. I am desirous of prosecution. Wells Fargo is in violation of, among other things, Regulation E and the Electronic Fund Transfer Act. According to my attorney, I am not responsible for unauthorized transactions. Moreover, I have no history of using out-of-network ATMs and the unauthorized transactions occurred outside of my geographical location. Its clearly unusual activity. Being the victim of a crime and losing my money has been detrimental as I have medical bills due that I am unable to pay, and as a result, Im unable to get the medical care I need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Without any warning ( text, notification in the App, email, certified letter, letter, phone call, etc ) Wells Fargo Bank WFB closed any account associated with my wife and me on about XX/XX/XXXX. That included our joint checking account which we opened in XXXX and have been excellent customers of WFB ever since. My wife XXXX XXXX and I spoke to the Branch Manager in XXXX XXXX, near our home by phone on or near XX/XX/XXXX, because our Wells Fargo Bank accounts have been frozen or suspended. We needed to know the status of this account, specifically why our money is not accessible and when this will be resolved. The total amount of these accounts is close to {$100000.00} which can not be accessed. To recap, we have no idea why our accounts were frozen on or about XX/XX/XXXX. To this date, there has been no warning from WFB notifying us that our account might be frozen. Apparently, a USPS non-certified letter to verify our address was sent to an address where we were not staying, so logically we could not receive it. When I asked WFB to read me the contents of the letter, they said they could not. So, WFB sent a non-certified letter to an address to where we were not living and asked for urgent information which probably caused our accounts to be frozen. The letter probably never stated our accounts might be frozen. When I asked customer service to send us a copy of this letter, they refused. Today, WFB Customer Service also refused to read the letter, saying they do not have access to it. Everyone we have told this story to can not believe it. We have discussed this with WFB branches in New York, the Trust Department of WFB, and advisers from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All say this is very strange. Bordering on illegal. This is our money and for an institution-especially one as large as WFB- to freeze the cash is not consumerism bordering on illegality. We are currently on vacation in XXXX. The branch manager in XXXX XXXX XXXX XXXX suggested flying back to the United States at our own expense ( almost {$1000.00} ) and presenting identification, like a passport, drivers license and proof of residency to a WFB branch. He said this might help but could not guarantee it would unfreeze the account. This solution would be expensive and unreasonable He called back the next day to say that there was nothing he could do. Considering WFB has a legal ( and ethical and moral ) responsibility to maintain accurate records and disclose information, this requirement is clearly not being met. To date, we have incurred late fees, and early withdrawal penalties to pay bills due to this WFB mistake. XXXX XXXX told us he would waive any late fees on the WFB side, but as you know, late fees accrue on both sides. My credit score stands at an outstanding XXXX of XXXX and I refuse to have WFB decrease my score for a mistake they have made. Apparently, last XXXX this agency ordered WFB to pay {$3.00} XXXX in mismanagement of funds. Other articles and cases cite a computer glitch which has caused accounts to be frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX, I became legal conservator for my Mother. She had a credit card account with Wells Fargo that I quickly paid off and with the final payment, directed them to close the account. Fast forward til now, they have not closed the account. I received a statement in XXXX with a fraudulent charge. I called them on XXXX to report the fraudulent charge and told them the account was supposed to be closed. I later received a text message that I had not paid the bill. Then, another statement with the fraudulent charge and a penalty for late payment. I called them again on XXXX. They told me they could do nothing because I wasnt on the account. They want to add me to the accountI have concerns about my liability if added to the account which should have been closed in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have had multiple issues with Wells Fargo and their claims process. Situation 1 : In XXXX and XXXX of XXXX I had {$23000.00} used on my debit card for companies in XXXX. At the time I was in XXXX, SC which other transactions would show and I did not receive a single notification asking if I authorized these transactions. I didn't get any feedback the entire process nor did I get any provisional credit. I received a notification that my claim had been denied and when I called in they did not give me any specifics. I have never been to XXXX and these transactions should have been flagged immediately. Situation 2 : on XX/XX/XXXX I disputed a XXXX transaction due to not receiving the merchandise I purchased. Once again, I received no update other than my claim has been denied. Situation 3 : I had a fraudulent loan taken out under my name so I informed the company they can not withdrawal payments from my checking account. The third-party company withdrew 3 payments of {$800.00} and Wells Fargo once again denied my clam even though the third-party company illegally withdrew funds from my account when I told them not to. Situation 4 : On XX/XX/XXXX someone used my debit card to make purchases from XXXX in the amount of {$4100.00}. I received a provisional credit and assumed my claim was approved. Two months later I was given a few days notice that my claim was denied and they were taking {$4100.00} out of my account. When I called and asked for more specifics all the agent had to say is they had a picture of my license. I didn't have any opportunity to defend myself or even get a respectable notice that my account was going to be reduced by almost {$5000.00}. I have been banking with Wells Fargo since XXXX and I have had a total of 6 claims. 5 out of the 6 have been denied without any explanation and with a total loss of around {$28000.00}. The fact that I am not able to speak with the investigators or even get updates is appalling to me. Faithful customers who have had no prior claims shouldn't have to sit here and wonder if they are getting their money back, and be left in the dark on why it was declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32803
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted complaint and the rep put in wrong personal information which made it impossible to follow up on because the other rep said identity problem. So that's what stopped me from providing what was needed to follow up. It's ok. They got me again and are allowing federal benefits to be garnished which is prohibited as well as bogus withdrawals posted days later from original as duplicate withdrawal. But no different than the other complaints filed nothing done and others not followed up on. Just wow. I don't even see this importance of this branch. Still leaves the consumer with no voice. Un believable to say the least. I'm disgusted because I was also told fdic handles this and not cfpb. Credit reporting agency keeps hanging up and won't follow guidelines set and make it impossible to even get through to a rep. Major problems in a consumers life just to be left with no rights as guaranteed by law of the land. I guess I will just try to cash out this business account wells Fargo opened without my knowledge. Just with one days there is at least a couple hundred thousand for that one day according to my check log provided to me for them to deny. I have proof from conversations with reps. System won't allow me to change phone number. Besides. The company keeps disconnecting after 2 weeks of being paid. So, no phone. But they sure be all on my darn credit report illegally
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36092
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: 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: I have {$3900.00} worth of charges on my Wells Fargo Visa credit card that I didn't place. I've disputed the transaction with Wells Fargo but they've denied it twice saying the the credit card chip was used at the location therefore it had to be me. The place it was used at is called XXXX XXXX XXXX. When I XXXX this place, the only thing that comes up is an Instagram account for a food truck called XXXX XXXX XXXX located in XXXX XXXX or XXXX, Florida. The transactions were for {$1000.00}, {$500.00}, {$900.00}, {$1000.00} and {$500.00} all made on XX/XX/2023. This was a Sunday so I do have XXXX rides made that day to XXXX XXXX and back home. If I had the time those purchases were made I could probably prove I wasn't at that location but Wells Fargo couldn't provide that for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm 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: GA
Zip: 30101
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I noticed that a charge from XXXX XXXX was charged to my account in the amount of {$110.00}. I contacted the Bank Wells Fargo and told them that this charge was not authorized by me to my account and to stop the transaction as it was still pending and had not gone through yet, I was told by the customer service repersentative that I had to change my debit card number and a new card would be sent to me and it would be turned over to fraud department, this has been a huge inconvience to me. As of today XX/XX/2023 I have been charged for this transaction and my account went into a negative. My claim number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A