Date Received: 2023-11-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Spent over {$3000.00} in first three months after opening Well Fargo/Choice Privileges credit card. Had not had a card in many years. So qualified for XXXX choice privileges bonus points. Called to ask what is going on was told all is good wait till next billing cycle. Told that over and over for 3 months then the credit card rep put problem on choice. Of interest is there is no credit card statement in my account for the month points were said to be coming. I had XXXX balance but got statement for following month with XXXX balance. I have many hours of frustration going through the same thing over and over. Reps trained to start at beginning each time and then end at same place. rest assure all is well and it never is and never will be addressed so I am seeking help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44514
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: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Well i diike the XXXX monthy fee from Wellsfargo when you have a low balance Just wish the bank would remove the XXXX Monthly fee to maintain your acc i dont think its fair they just took my money sometimes wellsfargo charge my acc with random fee i dont have or use like uber i dont use uber at all XXXX dollers they took XXXX dollers from my acc randomly on random charges or mistakes it was on XX/XX/XXXX i belive i called the company and they said they would look into it and give me temporary credits but thing like this keeps happening
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 960XX
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: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I am asking that my debt of {$47000.00} be deleted completely. I paid over {$8000.00} That was behind in XXXX or XXXX. This was all that was owed at that time. I then attempted to make my regular monthly payment but it was not accepted. I called Wells Fargo and spoke to them about why they would not accept my payments. I was informed that I was in foreclosure. I told them that I never received any information about that. He reviewed my payments and said that I had paid everything that was owed and that he will remove it out of foreclosure. This was not done. So when I filed for bankruptcy ( XXXX ) owed {$24000.00} because they never stopped the foreclosure process. While I was in bankruptcy Wells Fargo doubled the amount owed to {$44000.00} for no reason. My bankruptcy was finished in XX/XX/XXXX. I then was told by Specialized Loan Servicing Company that I am still in foreclosure. Since XXXX. And no more payments will be accepted from this point forward. I am asking for all documents pertaining to my account be sent to me. I am asking for a forensic audit of my account from a 3rd party. I am requesting that every verbal communication be transcribed and sent to me. I am asking for the deletion of the {$44000.00} be removed from my account. Im asking that the mortgage rate be analyzed from the beginning of my mortgage inception. I had a 3.25 % rate that I locked in in XXXX. The was changed to 7.5 % for many years. As I have lived in my home for over 30 years. I should have my deed in my hand. I am asking that I receive it marked paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
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: 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: Payment Dispute : XXXX ( Wells Fargo ) card claimed we did not make a payment for XXXX statement. Enclosed is a letter from XXXX XXXX XXXX XXXX stating that the payment was made. I am enclosing a copy of our Bank statement for XXXX showing the withdrawal on XX/XX/2023 ( highlighted ) in the amount of {$3800.00}. CASE # : XXXX XXXX XXXX is the XXXX account holder. XXXX XXXX is also on the account and our Card number ends in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11570
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My insurance company is trustable. They use Wells Fargo bank. I made a claim and was paid {$1000.00}. I deposited the check into my account. My bank came back telling me they are holding the rest of the money which I was giving {$220.00}. My bank said due to a confidential matter the check may be not paid. This is just plain harassment from Wells Fargo. They don't have a right to hold my money hostage that I pay my insurance company trustage. Wells Fargo is playing dirty here and is allowed to get away with it. To not pay the check that my insurance company uses them as their bank is a new real low. Because of the other problem I had. They are refusing to let me have my own insurance money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I received a text message asking if I made XXXX transactions. I replied XXXX, and they sent me a message saying my card was blocked. On XX/XX/2023, XXXX transactions using that card were declined for {$27.00}. Another transaction on XXXX XXXX in the amount of {$15.00} via cashapp was also declined. However, on XX/XX/2023, a transaction for {$980.00} was approved using the same card that was supposedly blocked. I tried reaching out to the company that processed the transaction to no avail. I then reached out to Wells Fargo. They told me that the card was supposed to be blocked but sometimes, a transaction would go through if it was a subscription service. The other XXXX previously declined transactions were subscriptions ( I pay bi-weekly for those ). I explained that if that was the case, the other XXXX transactions should have been approved. Of course, I am going to be charged an overdraft fee but didn't they get sued for something like this before? This is beyond frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received a letter from Wells Fargo, dated XX/XX/XXXX, explaining that the bank enrolled me in Identity Theft Protection - XXXX product between XX/XX/XXXX and XX/XX/XXXX. I did not request this product. I called Wells Fargo on XX/XX/XXXX, seeking further explanation. I left my name and phone number, as prompted, by the bank 's automated answering system. As of XX/XX/XXXX, I had not received a call from the bank. On XX/XX/XXXX, I again called the bank seeking an explanation ; instead of leaving my name and contact info, I held until an employee answered. The employee read a script after I explained why I called. I asked the employee a question about why and how I was enrolled in the product and she transferred me to a department that supposedly could answer my question. While on hold ( again ), the bank disconnected the call. I submitted this complaint because Wells Fargo involuntarily enrolled me in the product and made it difficult for me to obtain an explanation. I suspect that this has happened to many other current and former Wells Fargo account holders and that a banking regulator is better placed to deal with this huge entity rather than relying on each current and former account holder that was impacted to seek a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In Wells Fargo Enterprise Complaints Management Office, they don't produce the required Notice for Validation of Debts as required by section 1006.100 Record Retention. The required record that WELLS FARGO BANK, never produced. When I communicate with them, they just say the statute of limitations is past. Fraudulent concealment of the notice or any revalavent information stops the statute of limitations from starting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, a parent on my youth XXXX XXXX sent her payments for her XXXX and XXXX XXXX to my account via XXXX. The XXXX fee was {$90.00} and the XXXX XXXX fee was {$75.00} and both sent to me the same day but 2 different transactions. Wellsfargo was notified on XX/XX/2023 by XXXX XXXX that the transactions were fraud. I advised Wellsfargo that the transactions where not fraud but they suspend my account XXXX token. Wellsfargo advised me to notify XXXX that she must cancel the fraud claim with her bank and once that done then my account restrictions would be reinstated. I spoke with XXXX and he stated that there is nothing he can do and he would not advise me of XXXX account. As for a supervisor and they stated no one is available and sent to escalation line. He stated that there is nothing to do with the claim and provide me with no way to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Received copy of credit profile account result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A