Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a wells Fargo account and my account had a balance of XXXX dollars and within 3 days XXXX was gone the bank accused me of making fraudulent deposits which I did not I explained to the bank it wasn't me they still closed my account an took my money please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
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: Wells Fargo called me XX/XX/2022 asking about multiple payments and deposits. I replied they are not authorized transactions.Learning there was a total of {$17000.00} taken from both credit cards and a line of credit. In addition there was a payee by the name of XXXX XXXX created through my online banking. There was a withdrawal of {$19000.00} to XXXX XXXX from my checking account ending in XXXX. Ive been in contact with Wells Fargo for over a month trying to fix this situation. Ive been to the Wells Fargo branch on three different occasions ( Both XXXX, Ca and XXXX, Ca ). In addition, I have called Wells Fargo north of 10 times, spending an average of 2 hours on the phone each time. When I call, I am transferred to a different department, which ends up hanging up or losing connection. Ive changed my online credentials and have called the credit bureaus to inform them of a security breach. A police report has been filed with the city of XXXX, report ID : XXXX. Case : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX there was a fraudulent charge on my Credit Card. I filed a dispute with Wells Fargo and they began looking into it. I received an email in XXXX that they were still working on it and it had been forwarded to the fraud department. After this, Wells Fargo charged me interest on the {$16.00} charge, even though they said that I did not need to pay for the charge while it was being disputed. They also marked that I was 30 days late with a payment on my credit report. Which has caused my credit score to plummet and some of my other creditors to cut my limits. I have filed Numerous requests to have it updated by Wells Fargo, following their outlined process. I have faxed over 19 pages of documentation explaining and verifying the situation. Every time I do I get a form letter that says they are not going to update anything and to call a specific number if I have questions. When I call that number it is just a Customer Service line and they can not help me figure out why my request was denied. The Credit Bureau Dispute Resolution department at Wells Fargo does not have a direct phone number I can reach out to. Since this began the fraudulent charge and interest fee was refunded back to me as it was deemed fraudulent. The mark on my credit report is still there however. The first inquiry I made was on XX/XX/2023 or XX/XX/2023 when I first noticed the error on my report. I called a customer service number and was informed to write a letter and fax it to the Credit Bureau Dispute Resolution office. I faxed a letter later that day, explaining the situation and requesting it to be corrected. I got a letter in the mail a few weeks later that was dated XX/XX/2023. The letter explained that they believe the information to be correct. So I wrote another letter and faxed it on XX/XX/2023. When I got another letter, dated XX/XX/2023, saying the exact same thing as the first I called the phone number that was listed on the letter. I explained my situation to the person who answered and they resubmitted a request for me, because they could not access any information on why it was denied. This happened another once or twice, I would get a letter with no details on why they would not fix the error, I would call the phone number on the letter, and the person who answered had no access to any information about why it was denied. On XX/XX/2023 I pulled together 19 pages of information to fax over. It included emails from when I first disputed the charge, as well as a follow up from Wells Fargo a couple months later. I also included past letters I had written, statements, and a copy of my credit report showing the late payment derogatory mark. I then got three copies of the same form letter I had already gotten on XX/XX/2023. Again, I called the number in the letter but got no information on why they denied my request again. The representative I talked to tried for around XXXX minutes to get information for me but they could not access it either. When I got the same letter again on XX/XX/2023 I made an appointment with a banker at a local branch so I could take to someone in person. They had no information for me as well. They looked at the paperwork I submitted and could not understand why the error had not been fixed. I have tried everything in my power to correct the error but have not even gotten a bit of information from Wells Fargo as to why they will not fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53713
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 can not believe I had to request a new card, and you had the one that has been compromised open and still accessible. This is an instance. This still needs to be resolved, the balance removed, and a new card account number issued. I ( XXXX XXXX ) sent the email below a week ago, thinking my account was handled as it was at that time. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges, including balance transfer, are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed. This is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under my care, and I was incapacitated during that time. I had no way for this to occur, which was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. We received what we now understand was a fraudulent text message claiming to be Wells Fargo and that the account was hacked or used at that time. It has been past the allowable time to resolve this issue, and I was told it was decided numerous months ago, but it has not been. I was told a new account and card would be issued. Please confirm this has been done. I have been in the hospital and will be until the next month. I would like to know if this is handled and resolved before then. The violations are still occurring, and I'm receiving collections, letters, and emails for balances that are separate and continue messages. If unresolved, I have reported the violation to CFPB and will report it to the Federal Reserve. This has gone on long enough now and needs to be handled better. I have been a loyal and longtime customer, which has been a challenging and stressful situation that I feel has been mishandled. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/ I placed an order at XXXX for {$86.00}. Using my Wells Fargo charge card. It was a fraudulent site. I filled a dispute with Wells Fargo. The merchant did not respond in the alloted time. The dispute was in my favor. Wells Fargo charged me late fees, which they can't do. After many phone calls to Wells Fargo concerning said charges. They reported to the 3 credit agencies- deducting the late Charge but left the {$86.00} plus intrest of {$2.00} as owning. No- I don't owe anything. I have all the documentation concerning this dispute. After winning my dispute, Wells Fargo should have reported a XXXX balance. As of XX/XX/ Wells Fargo wants me to file a new dispute!! Are you kidding me...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Long story short - Wells Fargo let a female do over 60 charge backs claiming they never received the money. XXXX allowed this and stopped investigating and closed it. Wells Fargo investigator said XXXX needs to claim it its a clear money trail money sent to XXXX than to my XXXX than to a Wells Fargo which none was authorized by me I even tried to file a ic3 form no one has been any help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
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: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I had an auto loan with Wells Fargo Dealer Services, who have been sending me refunds since XX/XX/XXXX. My vehicle ended up being repossessed and I am just now searching and seeing that there have been lawsuits and damages. I just spoke with someone at Wells Fargo who gave me the amounts and dates of the checks that they have sent me but would not tell me how the amounts were calculated ( calling it 'proprietary information ' ) and would not send me anything in writing ( either email or regular mail ) the repossession of the vehicle and resulting damage to my credit, etc. caused me a tremendous amount of harm when it happened and I am now looking into if I am eligible for any additional compensation provided under the settlements or through separate legal action ( or the CFPB ). So far Wells Fargo has sent me checks amounting to about {$1000.00} ( individual check amounts ranging from $ XXXX {$630.00}, the most recent was {$7.00} and was just issued on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90068
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with Wells Fargo in XXXX of 2023. 90 days after depositing at least {$500.00} I was supposed to receive a {$320.00} promotional bonus. I never received the bonus and no explanation was provided for why. The agent could only tell me the promotion was not available for my account even though I opened the account using the promotion code provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76108
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. WELLS FARGO BANK N.A XXXXXXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: While using Wells Fargo there were numerous times where Wells Fargo would sequence charges to get more overdraft fees, and also hold deposits til overdraft fees were accessed. I requested bank statements but the customer service representative would not provide me any information. The account is now closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A