Date Received: 2023-11-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, unauthorized charges were charged to my Wells Fargo checking account. I called as soon as I noticed two charges were made of {$700.00} and {$800.00} that same day. I opened the claim with Wells Fargo and waited until XX/XX/2023 to call to see if I would be given a provisional credit while I waited for the dispute, since I had still had no response from Wells Fargo since XX/XX/2023. When I checked while on the call with a representative, I seen my claim was now closed on the Wells Fargo app. I was transferred from one representative, to the one handling my claim where she then decided to tell me that it was closed and to wait 2-5 minutes to give me an explanation why. Her explanation, upwards to 10-15 minutes later, was that it was denied because there was no failed pin attempt on one charge and because the other charge was through XXXX XXXX She said a letter was sent out XX/XX/2023 stating the denied claim, however I wasnt notified XX/XX/2023. I cant get an email stating why it was denied through Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
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: Banking errors
Consumer Complaint: A letter was sent to me by Wells Fargo on XX/XX/XXXX in regards to an incorrect social security number that was entered nine years ago by the banker for my son 's information on our Safe Deposit Box. The letter stated " We recently sent you communications requesting that you provide us with a completed Form W 9. As we did not receive a completed Form W 9 we will be closing your above referenced accounts ''. I called the number on the letter and the agent told me to make an appointment at the branch to correct the error. When I went to the branch the Personal Banker did every thing she could to correct the error. I had already made payment for the box and the bank cashed my check XX/XX/XXXX for the rent due on XX/XX/XXXX for the year XXXX. Wells Fargo would not work with my banker in resolving my account. We had no choice but to clean my box and close my account. I was told that it was final and they were going to cancel my lease agreement and access to the box XX/XX/XXXX Since then I received a call from a Escalation Representative at Wells Fargo in XXXX Or. He was to get back to me with a copy of the original letter by XX/XX/XXXX. Today XX/XX/XXXX I contacted him again to be told that an email was sent to me by another Senior Escalation Representative at Wells Fargo. I did not receive any emails from that Rep. I asked to have the email sent again. The answer was that person had to give permission to resend the email. Case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93907
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/16 my checking account was hit for {$180.00} and {$26.00}. Did not make these charges and never received any merchandise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95610
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open Wells Fargo Everyday checking account following this offer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Get a {$300.00} checking bonus* Open an Everyday Checking account** with a minimum opening deposit of {$25.00} from this offer webpage. Complete the qualifying requirements to receive your {$300.00} bonus. This offer is for new checking customers only. But my application was declined for no good reasons. I have a credit score of around XXXX and living in USA since 2005. Never faced denial for opening bank account.
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: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: This complaint is based on Wells Fargos recent response dated XX/XX/XXXX. The complaint will include a number of questions which hopefully will be answered in a straight forward way. 1. In my previous response I included five attachments as follows : Four attachments contain receipts from the XXXX XXXX XXXX of taxes. As a result of these receipts, the terminology that my account was delinquent is discredited. Please refer to my response on XX/XX/XXXX in CFPB complaint # XXXX to Wells Fargos letter of XX/XX/XXXXXXXX XXXX Since the local tax authorities did not issue an increase in taxes during the period in question from XX/XX/XXXX on, the complaint that initiated the foreclosure dated XX/XX/XXXX is also discredited because the foreclosure complaint is dependent on the discredited delinquency. I have attached the tax receipts once again. Please explain where Wells Fargos increase in payments creating the discredited delinquency during the period in question actually came from? I never was informed of the discredited delinquency. Why not? Additionally, the fifth attachment is being provided again to Wells Fargo containing the business cards of my personal bankers during the period in question XXXXXXXX XXXX to XXXX, XXXX. As stated previously, my personal bankers never informed me that my account was considered delinquent by Wells Fargo. They never advised me of any delinquency and they continued to accept my payments. They always complimented me on being a valued customer of Wells Fargo. Were my personal bankers being truthful? 2. There was no communication from Wells Fargo during the period in question with respect to the origin of the discredited delinquency which was subsequently used as a basis for the foreclosure. Why not? 3. Why did it take eleven years for Wells Fargo to bring up a {$5900.00} dollar issue at this moment in time? I have never been told anything about it by Wells Fargo. It appears to be a fictitious issue, since it is only being mentioned now because of the timing of the recent Consent Order. Please refer to Section 28 of the Consent Order which describes my particular type of problem. Wells Fargo had numerous years to advise me that this was an issue in XXXX. Was somebody forgetful? Also, this XXXX issue was not mentioned in the XX/XX/XXXX foreclosure complaint. Does Wells Fargo dispute this? 4. In examining the Consent Order, it appears that Wells Fargo is authorized to investigate itself to determine who has been victimized. Why is there no oversight? Attachments : Wells Fargo XX/XX/XXXX Page 1 XXXX XXXXXXXX XXXX of Taxes receipts General Tax Receipt XXXX 1st half General Tax Receipt XXXX 2nd half School Tax Receipt XXXXXXXX 1st half School Tax Receipt XXXX 1st half Personal Banker Business cards XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Wells Fargo Bank XXXX XXXX, XXXX CFPB XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Fraud or scam
Subissue:
Consumer Complaint: Documentation of Fraudulent Activity and Online Theft from my Wells Fargo Checking Account Saturday XX/XX/XXXXXXXX XXXX XXXX EST : I received an automated email from Wells Fargo that someone had changed my email address and phone number. XXXX to XXXX XXXX EST : I called Wells Fargo and reported that there was fraudulent activity on my account in the form of an account takeover. I asked the representative to remove the fraudulent email address and phone number, to lock down my account, and disable any XXXX transactions. The representative I spoke with confirmed that this was completed, and no one could access my account. XXXX XXXX EST : A fraudulent XXXX transaction was processed by Wells Fargo removing {$1000.00} from my account and sending the money to XXXX with mobile number XXXX. Please note that this was 1 hour after I reported fraudulent activity. XXXX to XXXX XXXX EST : I called Wells Fargo, asked for the Fraud Department, and reported that the {$1000.00} transaction was fraud as part of an account takeover. Once again, I requested that they lock down my online account and disable XXXX. They opened a case and asked that I call back on Monday since there was no one to help with this over the weekend. Mon, XX/XX/XXXXXXXX I called the Wells Fargo Online Fraud team to confirm details about the fraudulent transaction and ensure that they had a case for this ( case # XXXX ). The Online Fraud rep indicated that the Claims team would review all the details and provide a response to the case within 10 business days. I also requested for the third time that Wells Fargo close my checking account, create a new account, and disable XXXX. They created a new checking account but still did not disable XXXX. Tues XX/XX/XXXXXXXX Wells Fargo transferred the {$1000.00} to XXXX from my new checking account. This is 3 days after I reported that this as an unauthorized transaction and online fraud. I called the Fraud line again and they finally disabled XXXX at XXXX XXXX EST. Tues XX/XX/XXXXXXXX The Wells Fargo Online Fraud Claims group sends a letter to me indicating that Our research shows the transaction was made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the transaction was authorized. We have closed your claim. I received this letter via XXXX mail on XX/XX/XXXX. XX/XX/XXXXXXXX : XXXX XXXX EST : I called the Wells Fargo Online Fraud department. I was on the phone for 36 minutes and transferred to 3 different representatives. The first one indicated that they couldnt help me and needed to transfer me to the XXXX Fraud team. The second rep said that she did not see a case for the {$1000.00} Fraud transaction. The third rep said that there is no XXXX Fraud team. He could see that my case was closed, and indicated that I needed to call the Claims Center. XXXX XXXX EST : I called the Wells Fargo Claims Assistance Center. I was on the phone for 1 hour and 9 minutes and was transferred from the Claims team to the Online Fraud team to the Wells Fargo Interactive Voice Response ( IVR ) system, then back to the Online Fraud team ( representative XXXX ). XXXX indicated that she could not help me because the claim had been closed, so I asked to speak to her supervisor. After being on hold for another 30 minutes, I was connected with XXXX. XXXX opened another case to investigate this issue. Summary : This case represents gross negligence on the part of Wells Fargo Online Banking. They failed to secure my checking account and protect my money, even after I proactively contacted the Fraud department and reported fraudulent activity before any money was stolen. The fraudulent XXXX transaction would never have occurred if the Wells Fargo representative had secured my account as requested during my first call to the Fraud team on XX/XX/XXXX. In addition, Wells Fargo had an opportunity to block the {$1000.00} transaction from clearing on XX/XX/XXXX, which was 3 days after I reported this as fraud. My request is that Wells Fargo refund the {$1000.00} to my account. I have spent hours on the phone being transferred to multiple Wells Fargo representatives across multiple groups and still have no resolution to this case. Wells Fargo has had multiple opportunities to prevent this scenario and to rectify it, but instead, the only help I have received to date is creating yet another case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
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: Unexpected or other fees
Subissue:
Consumer Complaint: Case number : XXXX On XX/XX/XXXX, I sent an email to XXXX XXXX department and asked for explanation as to why a chunk of important bank information was missing from the XXXX transfer receipt. The next day, they recalled the money back from Wells Fargo and on XX/XX/XXXX, a new XXXX transfer receipt was issued with wrong amount for the recipient. On XX/XX/XXXX, I received a letter from Wells Fargo asking me to pay XXXX XXXX XXXX transfer fee plus taxes and XXXX XXXX for XXXX policy. Ive already paid these fees and I shouldnt be paying them again. Subsequent email to XXXX XXXX department to rectify the amount for the recipient and to keep the original numbers went unanswered. I gave XXXX XXXX department clear instructions on XX/XX/XXXX and I can not believe so many mistakes were made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Securities documents sent to WELLS FARGO as remittance transfers are not being credit to the account.Based on Truth on lending, WELLS FARGO is using my credit as well as making money from my signature by securitization but refused to accept their securities document and credit the account properly. This put me in a bind to want to research for company for XXXXXXXX XXXX for fee in the future if a solution is not being provide to notify SEC and IRS with the report about their security fraud and money laundering. If needed, they need to forward the securities to their XXXX XXXX XXXX XXXX since that's their indenture trustee and provides a time frame when all the credit will be reflected to the account. They also need to train their employees that are telling me only money order, cash, check, cashier check are acceptable for payment. They signed their XXXX and XXXX but still do not want to follow law : securities act 1934 and security act of 1933 along with Title 12 CFR 360.6 ( a ) ( 2 ) and failure to perform : Title US code 83 ( a ) and title 16 CFR 433.1 ( d ). They are not providing their quarterly 1099s. WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I send an online international wire transfer of {$5000.00} usd. The next day, XX/XX/XXXX, the recipients bank informed me that the money has arrived but can not be released to the recipient because the account number is incorrect ( 1 digit was incorrect ). I then called Wells Fargo to open a case and have the account number amended to the correct one. I was informed that the time frame for international wire transfer resolution is 5 business days. Due to holidays and weekends, XX/XX/XXXX should be the fifth business day. It is XX/XX/XXXX today and I have yet to have my case resolved or have anyone from their wire department reach out to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX {$1500.00} was sent to my account by my lawyer but due to the account being closed I never received it. Since my account was closed the funds should have been returned within 48 according to Wells Fargo but it never was returned to my lawyer account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A