Date Received: 2023-11-29
Issue: Getting a line of credit
Subissue:
Consumer Complaint: This company is in violation of credit discrimination. I was denied however, I meet the credit requirements. The reason for the denial states : history of credit, age and no authorized user accounts. I have a XXXX credit score and my age should not be a factor. Unfortunately, I do not have access to authorized user accounts because family and friends do not meet standards. I am looking to build my credit history, but this company will not approve me for loans/lines of credit. This company is in violation of Title 15 subsection 6:11 false and misleading denial of my own credit. I demand a reversal and to be approved for credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I traveled outside the XXXX to XXXX for a month to obtain my XXXX XXXX I was out of the country for just shy of 30 days and upon returning discovered my Wells Fargo account, where I save my larger sums of money was hacked and three wires were made to a coinbase account without my approval. While traveling I noticed my phone wasn't working, I purchased an international SIM card and still had issues for the remainder of the month with my phone. Towards the end of the trip I replaced my original SIM card back into my phone and discovered my log ins weren't working for most of my accounts ; email, socials, banking, it was a mess. On XX/XX/XXXX I landed back in the states, to a phone that still wasn't working properly and did't stress it too much as I had a new one waiting for me. When I noticed my accounts were still funny I reset all my log ins and that's when I discovered three different wires were made on three different days in the following amounts {$1000.00}, {$100.00}, {$20000.00}. I called Wells Fargo fraud line, finally got a hold of someone after a week of different numbers and being placed on holds ect. I spoke to a XXXX XXXX, he walked me through my fraud situation and this is when I discovered from his knowledge what occurred. We believe my phone was hacked, prior to my international departure. I can't provide specific dates because XXXX closed down my online banking log in as well as shut down my business account. Here is the essential timeline of events .... XXXX. I paid for my bags on line and my card was declined. I received a text from wellsfargo asking if the purchase was made by me or not. I clicked yes hoping it would then go through. The same thing happened with another card I used to purchase my flight so I didn't think anything of it when I then received a phone call from Wells Fargo fraud line. A gentleman helped walk me through my account, he asked for my 6 digit pin code and said it should work now I could try again. I then asked him how I make sure my card doesn't do this again while traveling internationally, to which he replied " There is a button on your account app, you just mark it that you will be traveling out of the country. AS I am explaining this to XXXX the light bulb went off, that wasn't wells fargo fraud calling to walk me through how to pay for my bags, it was a hacker who just received access into my phone. XXXX. I noticed other things as well, strange numbers messaging me that my loan was approved, and to send my deposit information. My XXXX was getting weird follow request from random accounts, then was shut off. My facial recognition was not working at all, my phone all the sudden didn't recognize my face. XXXX. XXXX helped walk me through the whole case, an hour later and I was praying that it would get resolved. I am a single mom of 4 kids and I have worked so hard for this, how could it just be gone. My biggest complaint was a {$60.00} bag charge was flagged but 3 wires equalling to {$21000.00} wasn't.. no flag, no phone call, no notification at all. Wells Fargo investigated for 5 days, they made their call and never contacted me. I called on the following Monday after the original complaint, and was told the funds weren't recoverable and not in wells Fargos hands to retrieve. That I inputed a code and the wires were made from my phone. I still can't wrap my mind around this.. from me being in school for XXXX hours a day, no phones, being with a phone that didn't work, 100 % focusing on class testing ect how I lost what I did. I feel violated, and stolen from at the worst time of the year. I asked for a supervisor or someone higher than who was helping me to call and I haven't received a call or a letter explaining anything its now been 14 days and just a verbal denial. I have a new phone and number, no business checking account, I live in a rural area and am told I have to do a business account in person and not over the phone. I can't even fathom the amount of money that was stolen from me. I don't understand how this wasn't stopped, flagged, and why I wasn't notified. Please help me retrieve this money... it's all I have left... I am at my last hope. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: As of this date of XX/XX/XXXX, " I XXXX XXXX XXXX called Wells Fargo Bank automated system to check my account balance, '' " upon listening was informed my bank account linked debit card XXXX, account was in negative - {$770.00} due to a past dispute claim ( claim number XXXX. '' ) These sorts of incidents at different gaming/slot machine facilities here in XXXX XXXX XXXX Alabama has repeatedly taken place since year XXXX and have intentionally manuvered gaming slot machines and taken approximately {$20000.00} to {$22000.00} dollars of my social security benefits and my earned income. Between the months of XXXX XXXX & XXXX XXXX I requested a dispute of atm transaction that took place inside a gaming facility ( XXXX XXXXXXXX XXXX XXXX XXXX '' ) " upon my request Wells Fargo Bank transacted the dispute and credited back {$760.00} of my social security funds taken by XXXX XXXX XXXX XXXX XXXX '' " as of this date of XX/XX/XXXX, my XXXX has been ruined because Wells Fargo Bank Department XXXX XXXX complaints has reversed the {$770.00}, '' " making it appear as if I owe the bank when in actuality the {$770.00} is actually my social security benefit funds, '' " I thought that I could use Wells Fargo Bank as a mediator to help me get at least some of my funds back from where they were intentionally taken. '' When I went to the XXXX XXXX and had not been there in approximately 2 years and actually was my XXXX time going between XXXX XXXX & XXXX XXXX. While there at the XXXX XXXX a young caucasian male securty officer approached and asked me to removed my bandana, " that was tied around my head and most of my hair was showing, '' " I asked him, " when females come into their facility do he ask them to remove their wigs? '' He said, " people were coming there with bandana 's on their faces and that's why he asked me to remove mine from head, '' " I said, I wasn't a very young person that do such things and that I was age XXXX. '' I took the bandana off. I stayed there on gaming machine for an hour to XXXX hours and all of the {$760.00} was taken from manuvering gaming machines. Wells Fargo has denied other {$300.00} and something dollars dispute and {$270.00} disputes. The most sensible thing as of this date of XX/XX/XXXX was not to take all my finances {$770.00}, maybe a portion. At these gaming facilities, " it's as if I know their employee 's and don't know them and as if I personally did something to them. I know there's a possibility I would lose on gaming machines but, not everytime for the last 4 years. In XX/XX/XXXX or XX/XX/XXXX, " I faxed XXXX in New York, explaining every time I apply for unemployment compensation it was eithered denied or ignored, '' " in the fax was detailed information on what had taken place at each job I was terminated, forced to quit or laid off, '' " that State of Alabama unemployment comp. would not XXXX me unemployment and ignored during the extra {$300.00} weekly due to XXXX. '' After my complaint to XXXX, a XXXX XXXX was mailed to me with {$2000.00} XX/XX/XXXX. Being that I'd lost approximately {$20000.00} a various bingo/casino gaming in XXXX. Co since year XXXX and you have to have money to win money most of the time, '' " I drove to a new gaming facility in XXXX, Al and the employee 's ( young XXXX americans ) manuvered the gaming machines and took {$1700.00} of the unemployment comp. that XXXX helped with. I will end her and start back explaining other banks and what has been taking place. But as of this date Well Fargo Bank took {$770.00} of my {$1000.00} social security benefit leaving me with {$260.00} for XXXX Holidays. Thanks For Your Help and expect to hear from me with more information soon!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XXXX XXXX XXXX after opening acct on XX/XX/XXXX with a {$25.00} deposit. Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation # INR XXXX on XX/XX/XXXX told would receive update in 10 business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given # INR XXXX on XXXX, its been 7 days and I still have no update. Received a call from XXXX, WF rep on XX/XX/XXXX. I returned his call on XX/XX/XXXX, I called again on XX/XX/XXXX. He returned my call on XX/XX/XXXX after he already closed my case. Not sure how you can properly investigate a case without speaking with the complaint. XXXX stated to me, the {$320.00} bonus was not given because I do not enter the promotional code. I stated to XXXX, the WF link do not provide a code nor was it listed in the instructions, it just prompted me to sign into my account. In fact I took a XXXX of the offer and it specifically states offer code will automatically be applied when completed through webpage as I did. I provided this XXXX to XXXX via email. XXXX stated he would take the new information to his supervisor and follow up with me, its been almost 2 weeks and I yet to hear from anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, Va XXXX on Monday, XX/XX/XXXXXXXX XXXX to complete a wire transfer of {$120000.00} ( my portion of my mother 's bequest ) from my brother 's account to mine at XXXX XXXX XXXX in the XXXX. The funds left my brother 's account on XX/XX/XXXX but have still not been received into my account over two weeks later. I emailed asking for an update/explanation on Wednesday XX/XX/XXXX and have not received a reply. The branch did call my brother on Friday XX/XX/XXXX to tell him that they funds would be in my bank account on Monday XX/XX/XXXX. They were not. I contacted my bank to see if they can trace, but they can not. They also confirmed that a wire transfer should take only 4 business days. I flew to the US from the XXXX for a weekend for the purpose of receiving my estate cheque and facilitating its arrival in the XXXX as quickly as possible. I never imagined a bank would take advantage of this situation for their own profit.
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: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They are allowing people to put my bank account XXXX dollars in the negative. They're also allowing reoccurring charges to my account and I've already spoken to them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for and was approved for a Wells Fargo XXXX card on XX/XX/2023. A month later I have not received the card which I was told has a limit of {XXXX} and a balance transfer offer of XXXX XXXX XXXX XXXX XXXX Immediately upon being approved I attempted to conduct a balance transfer. The app gave me less than XXXX XXXX to provide the balance information including account details. By the time I started entering it, the screen closed and that offer was no longer accessible on the app. I called asking to process the transfer and was told no transfers are allowed until I receive my card and that the clock for the XXXX XXXX began on the day I was approved. Due to this rule, and their unwillingness to provide me with the card in a timely manner, the offer that enticed me to obtain the card is no longer fully available to me. This seems more of a pattern than an exception.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Wells Fargo sent out a check for XXXX for repayment from fraudulent bank activities or whatever the reason. XX/XX/23 I had to send in all the paperwork as far as death certificates, wills, affidavits and whatever else they asked me to send in. Being a XXXX XXXX I like to call in to make sure all of my documents are right and that they were received and uploaded. I did that several times in the first week, only to be told all those times yes we have everything. Then just checking in again for safe measures I was told XXXX paper did not come through. Go back to fax that and they said my time frame of XXXX business days for the reissue had to start over! Then I wait all that time to get a reissue with the wrong name spelling. So now on XX/XX/23 Im told that I have to wait another XXXX business days for them to correct their mistake and Im on the verge of losing everything and a XXXX that is still down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Branch Manager XXXX XXXX of Wells Fargo at XXXX XXXX XXXX in XXXX, California is breaching customer account confidentiality by divulging private account information to multiple people in the community. This has been brought to my attention by several people to whom XXXX has spoken with regarding my accounts with Wells Fargo. XXXX is personally retaliating against me as a customer and attempting to defame and/or sabotage my company 's reputation because her son was fired from my company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Not exactly sure about the dates and exact amounts because they totally blocked me from seeing my account info not long after closing my account they they did on there own without telling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 247XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A