Date Received: 2023-11-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I can not open a checking account because someone stole my account information and made fake accounts in my name. I have now have a XXXX year old boy and cant even pay bills online due to false accusations on my credit report. Wells Fargo .. XXXX XXXX are all incorrect information I report everything its still hurting me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Wells Fargo repossessed the vehicle knowing that there was gap insurance as well as had me to file the car on my taxes with this knowledge so they received funds from me and sold this vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX XXXX i XXXX XXXX a Wells Fargo XXXX account holder with Wells Fargo trusted FDCI institution I observed over several transactions that I myself XXXX XXXX XXXX didnt Authorize due to the unprofessional unethical conduct of investigation that was conducted who, whom, date and time account transactions were verified by whom investigated Consumers have 60 days from the time they receive their bill to dispute a charge with the card issuer or other lender. WELLS FARGO Account XXXX While the XXXX protects consumers from unfair billing practices, the Fair Credit Reporting Act ( FCRA ) addresses practices involving the use of a consumer 's personal information. customer reported that Wells Fargo had closed his account one that he was persuaded to open by a teller and never used after someone had fraudulently used the account. The customer said he only learned of the issue when he went to deposit a cash in the account. A assistant through the XXXX Wells Fargo said the account was closed because it had been overdrawn and that i would receive a letter I XXXX XXXX would like to keep my account in good relations I always had the balance of the account why pay a balance of something that was stolen from me I being robbed twice from the banking system and the scammer I would like to pay to keep my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: After noticing fraudulent charges on my account I spoke with a banker on the phone and they started a claim. These were for charges from XXXX and I e never had an XXXX as well as other online charges of services like payments over time that I've never used or never been familiar or know how to use. I wasn't even able to log in and check my online banking until a few weeks ago when my daughter showed me. This is after multiple attempts for them to show me how to use the online banking. They were always busy or required an appointment. After filing the claim I filed a police report over the fraudulent claims. I was assured by the banker I would be credited the money on the charges within ten business days. The only ones he wasn't sure would be refunded were the ones over 90 days old. Ten business days passed and nothing happened no word no credit. It was nearly 3 weeks that I called and told my claim was denied and nothing would be credited and nothing else could be done or appealed over the charges I never made. I feel taken advantage of and stolen from and the bank promises to protect from fraud and they just say denied and nothing further can be done. It's not right. I'm XXXX XXXX XXXX and never thought the banks could let your money be stolen and say too bad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: Wells Fargo falsely repoed my XXXX XXXX because their computers glitched is what the letters stated. I had less than {$14000.00} more to owe on this XXXX XXXX civic before it got repoed. During the repo incident I purchased A XXXX new XXXX XXXX basic and the dealership tacked on the fees so a XXXX vehicle cost me XXXX because of this repo. This glitch has put me in a bind and didn't even pay for the emotional stress it put me in. I'm asking for them to pay off my vehicle like they should have in the beginning. This caused me to pay {$700.00} a month on this vehicle. This has caused me so much damage financially. Wells Fargo sent me a check for {$15000.00} and explained why the compensation was added. All of it was put towards the XXXX, leaving me with a balance of {$10000.00} for the XXXX XXXX. I'm asking to pay off the rest of the balance because this repo should have never happened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75180
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 an account
Subissue: Banking errors
Consumer Complaint: Wells Fargo has denied my claim after proving evidence of fraud from services that I no longer have access to, and I strongly disagree with the discussion. I purchased services from merchant 'XXXX XXXX XXXX ' and the service I paid for is no longer available to me. 'XXXX XXXX XXXX ' intentionally sabotaged customers by putting software on the services to intentionally fail customers so that they can keep paying for evaluations when in reality they were soliciting customers. The company has a lawsuit filed against them for fraud. I was paying for evaluations that have history and data on the dashboard on the website that I no longer have access to. I have submitted court documents to Wells Fargo proving that I did not receive the services that was paid for and that the services are no longer available. I purchased services from the merchant on XXXX XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) More than 180 languages available. I previously filed a claim with the customer protection bureau and was told to file another because they kept having to extend the case multiple times because Wells Fargo claim assistance center did not get back to them in time.
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: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was purchasing digital assets through an exchange called XXXX and the third party vendor they offered on the exchange. I did not think there was any issues until my checking account kept overdrafting randomly. I contacted Wells Fargo MULTIPLE times to figure out why my account kept overdrafting as it was a debit card this should not be occuring ( No funds then the transaction should be denied ) However, everytime I was told that these were merely hold charges and that they eventually fall off my account. I couldnt for the life of my understand still- how this kept overdrafting my account as I am really good at keeping my account in good standing. So after months and months and this still bothering me I finally reached out to XXXX and asked for information from them from the third party vendor they were using. They finally provided me with the PROOF showing that these were not in fact hold charges and that I was being charged twice for each transaction, once when purchased the digital assets and then days-up to 10 days later. The documents I received from XXXX showed exactly this - me being billed for the crypto and the achknowledgement that I was never even sent the crypto! Now I contacted Wells Fargo to inform them about the unauthorized transactions and how they were telling me the wrong information all along just as I suspected deep down because it didnt make sense to me. Days go by and I received a credit in my account for roughly {$700.00} which was strange because the amount of unauthorized transactions was {$5700.00}. I contacted Wells Fargo and was told that the {$700.00} =/- was from a approved claim in which they did find evidence that unauthorized transactions occured. However, for the " other claim '' ie the rest of the amount was denied because they did not find evidence of unauthorized transactions? This was really strange to me becasue firstly I only called and filed one dispute, with the same company, with the same proof of the double charges. It really is becoming a trend to me that Wells Fargo does not stand by its commitment to protect consumers again fraud and/or unatuhorized transactions. Time and time again they are quick to make judgement of denial without a valid or reasonable reason why. I am tired of being told that I am protected against instinces like this and yet the few times it has occured I end up feeling like a fighter in the ring and my opponent is my own bank. I sent Wells Fargo over 39 documents multiple times showing the evidence I gathered from the actual exchange marketplace. This is all evident on the blockchain and yet they still refused to stand true to their commitments to customers. Please look into this as I tried every avenue to escalate only to be told to kick rocks. I spent many hours researching because the " hold '' reason they kept telling me over and over never made sense. I was as diligent as I could be in contacting wells fargo repeatidly only to be misguided with wrong info when it couldve been discovered and quickly stopped before it reached the sum that it did. I am not a rich man by any means but I work very hard for my money which my family relies upon. I decided to invest in the cryptomarkets in hopes of bettering my family and I but I was ripped off and nobody seems to care. I researched the company andere located in some shady company which ultimately shady like they were 1. Not authorized to even sell cryptocurrency to US customers and 2. w
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
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: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On the following dates, XX/XX/XXXX request was sent and again on XX/XX/XXXX. On XX/XX/XXXX, a petition was sent requesting the original wet ink signature inspection, not copies. Another package was sent XX/XX/XXXX ( XXXX ). An international bill of exchange to pay off the loan was sent on XX/XX/XXXX. An email was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, a package with numerous bonds and remittance transfer was mailed and they refuse to credit the account along with providing validation of debt ( tracker XXXX ). On XX/XX/XXXX, a civil summon was sent via email along with notification about the upcoming certified mailed package with the court document and they have been dodging not picking up or receiving XXXX packages. On XX/XX/XXXX another package was sent ( tracker XXXX ) along with tort documentation. still no credit to the accounts while keeping the original security document. along with validation of debt ( tracker XXXX ) and the documents listed below. XX/XX/XXXX another package was sent again ( tracker XXXX ). On XX/XX/XXXX, another package was sent XXXX ) and they were notified of the upcoming court document along with certified mail number. So they dodge the document and did not accept or pick it up.. XX/XX/XXXX another package was sent with the international bill of exchange since they did not accepted the court order they did not accept that package either. On XX/XX/XXXX, another packages with numerous bonds and remittance transfer coupons were sent again. The package was address to XXXX XXXX XXXX based on the XXXX investor report he could be reach at the headquarter when I called on XX/XX/XXXX since the package was delivered on XX/XX/XXXX to find out when they credit the account and follow the instruction provides. I was told he could not be reached and there was no way to get a hold of him. WELLS FARGO made millions using my securities, my signature, and in turn I requested for them to accept my performance as a surety on the account and credit the account. I have rescinded their interest and accepted all title, all right, and guaranteed equity in my securities. Each occasion WELLS FARGO refused to credit the account. WELLS FARGO is not able to provide as previously requested : A currency trace proving funds for the alleged debt that were actually provided by the WELLS FARGO or its assignor since there will be a currency trace if they are a true creditor. The XXXX balance sheet as it relates to the original line of credit, which would show the ledgering of the account. The off balance sheet entry of the line of credit. The form is Mandatory filing pursuant to Title 12 U.S.C. 248 & 347. The 1099 OID and 1099-A reports that will identify who the principal is from, which capital and interest was taken, and who the recipient or payer of the funds are, and who is holding the account in escrow, unadjusted on this account. The S3-A registration statement : shows when and where the account was sold. The 424 B-5 prospectus ( security filing ). The RC C, C Q & RC S call schedules covering the period of the origination. The FASB ( Financial Accounting Standards Board ) part of GAAP ( Generally Accepted Accounting Standards ) FAS 125, 133, 140, 5, 95. These will direct the auditor to the liability side of the banks books and also create the trail of exactly where the money came from and where it went. A certified copy of the bond that the lender purchased to insure this account and copies of any payments made to date. This agreement stands for any and all trustee ( s ), Successor Trustee ( s ), Substituted Trustee ( s ), Agent ( s ), Servicers ( s ), Assigns ( s ), Transfer ( s ), known and unknown. This agreement and or obligation is non-transferable. Any transfers without the expressed written consent of the Plaintiff should be deemed as trespassing. If WELLS FARGO claims that there was a contractual obligation between Plaintiff and WELLS FARGO through an alleged contract then WELLS FARGO has ( pursuant to contract law and common sense ) the contractual obligation to produce and disclose and comply with such requests by the WELLS FARGO, which WELLS FARGO now requests. WELLS FARGO must provide an authentic signed contract by both parties. Provide licensing and permitting information. WELLS FARGO refuses to validate and produce the requested documents further they have no contractual obligation to produce and/ or disclose and / or comply then such failure to validate would established that there is no contractual obligation between us. If there is no contractual obligation between us, WELLS FARGO has no legal right to make negative report to my credit report and their failure to comply XXXX prove fault and security fraud. The alleged debt has been denied and disputed and must be validated and verified by the WELLS FARGO. 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 and continues to commit security fraud and money laundering. 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 and continues to commit security fraud and money laundering.
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: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account has been closed by Wells Fargo with no further explanation other than the bank has the right to end the relationship with you. I am trying to get further information as to why an account with XXXX and activity as of XX/XX/XXXX was closed. Im concerned that my identity was stolen so I would like more information from the bank as to why the business relationship was ended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
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 an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXXXXXX XXXX I noticed money missing from my checking account. I notified Wells Fargo that over {$5000.00} was fraudulently taken using my debit card. Today received a letter stating they could not do anything about it. Submitted a fraud claim with well Fargo XXXX, on XX/XX/XXXX Police report on XX/XX/ with the XXXX Police XXXX. Called Wells Fargo to XX/XX/ to be told the claim is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A