Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Over a month ago, a purchase from XXXX, AZ was made on my debit card to a fraudulent travel agencya transaction I did not make and a service that does not exist. I called Wells Fargo and they assured me I would be refunded {$490.00} ( the amount charged to my checking account ). Today, they took that money out of account and I am very frustrated because I did not make that transaction, as I live in another state and it was done so through a fraudulent service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94306
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023, I ordered a new Wells Fargo card and in this process they offered a low-rate balance transfer. I provided a sixteen-digit account number from XXXX XXXX XXXX and they did not confirm it but later showed me that it was sent to XXXXXXXX XXXX XXXX I called immediately and said I am not requesting funding go to XXXXXXXX XXXX and they said they did not see any pending and would likely need to be re-processed. XXXX week later the card account showed the balance of {$4600.00} ( the {$4500.00} balance transfer with the {$130.00} balance transfer fee ). I called on XX/XX/2023 and Wells Fargo said contact XXXX XXXX to see how to get it sent back to Wells Fargo but they had no number to contact at XXXXXXXX XXXX. I called XXXXXXXX XXXX as they were on the phone for nearly XXXX minutes attempting to locate this lost funding. Wells Fargo should do a much better job verifying where they are sending funding and assisting consumers when a card is not applied correctly as requested. A simple mailing address and verification of the recipient of the funding would go a long way. Obviously, the customer service person from Wells Fargo did not care to hear suggestions for improvement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28012
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 with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have been sued by Wells Fargo for several fraudulent accounts. I informed Wells Fargo that I did not open the accounts. They did not care. I have found charges for life insurance, XXXX insurance, and identity theft protection. I finally got a letter for Identity theft products that were not authorized. Even though Wells Fargo is finally saying I may have been done wrong they are still suing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Attention : Consumer Financial Protection Bureau Wells Fargo complaint I have 3 major very disturbing complaints and problems with Wells Fargo about how I was treated and lied to. 1. I was totally pushed into purchasing an annuity after I told him I felt safer with CD 's. 2. I received a letter from Wells Fargo telling me that I was being sued and stated in the letter that they sent all my personal information to the attorney who requested it. The attorney did send a request, but however, my name was not on it at all. Then they lied to me saying that they never sent it. 3. After I wrote a letter to the man, XXXX XXXX, who pushed me into purchasing the annuity ( XXXX XXXX ) without me understanding it, telling him I was reporting him to agencies who monitor banks, WELLS FARGO sent me a letter telling me they were closing all of my accounts effective XX/XX/XXXXXXXX except for my credit card .... without telling me why. I called to ask them why and to confirm that they were not closing my cc. They would not tell me why, and they also confirmed that they were not cancelling my cc. They also assured me that my online WELLS FARGO account will still be open to review and make payments on my cc. On XX/XX/XXXX, I charged something that did not go thru so I checked my credit card on line and there was a note on my account saying my account had been closed and would not tell me why. I had {$1000.00} credit at that time ( see attached ). I always like to pay ahead on charges, and I have never had bounced checks. Complaint # 1 My husband passed away and left me some money. I contacted several banks asking about investing in CDs. XXXX, the manager at Wells Fargo on XXXX XXXX in XXXX XXXX, Nevada set an appt with me to meet with a financial advisor. I do not remember his name. The man I met with tried to push me into the stock market risks and I told him I needed something secure like a CD. He would not listen to me at all and kept pushing stocks. I told XXXX after the meeting that he was way too pushy for me. XXXX told me that quite a few people have said the same thing and that he would set another appt with another advisor named XXXX XXXX. XXXX was in the first meeting with me and XXXX XXXX. XXXX XXXX was a lot nicer at first. I told him I needed something secure and to not talk to me about stocks. I told him I preferred CD 's. He said annuities were a lot better and gave me a lot of information to go over. I took it home and discussed it with my brother. He told me that I had to live over 15 years in order to get my XXXX investment back... and without even a XXXX interest. So, I wrote an email to XXXX XXXX ( I have a copy enclosed ) and said that I was leaning toward CD 's because I felt a lot safer. At the meeting I told him I am almost XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX all of the time, my right XXXX XXXX is XXXX XXXX XXXX and I did not believe I will live XXXX more years. XXXX was in the meeting for a few minutes but did not hear much of our conversation. What XXXX XXXX told me was a sudden shock to me. " Your brother is not a financial consultant. I am the expert and I know what is best for you ''. I was very intimidated. So, at that point I decided to just invest $ XXXX and go to a different bank. Then he asked me if I understood what he explained to me about annuities. I said no I did not and it was extremely confusing. Then he said " what is it that you do not understand? " I said how am I supposed to ask questions when I do not understand? He then said " Well, if you do not say that you understand, then I can not sell you or help you ''. So, I said ok, I guess I do understand. So he wrote me up for an annuity. Over 6 months later, I called XXXX at least 15 times asking them to explain what I had done. Then I called my advisor from XXXX XXXX asking if I could send him a copy and if he could explain it as well. XXXX ( from XXXX XXXX ) was extremely nice and did a 3-way call with me and XXXX so he could answer all of my questions. I then realized 100 % that my brother was right and I had gotten ripped off. So, I contacted WELLS FARGO and told them that I was very unhappy and could they please put me into another program, I prefer a CD. The man who responded to my complaint went on and on saying XXXX XXXX did nothing wrong and XXXX was there the whole time. This is a blatant lie. When I received the letter from XXXX saying XXXX did nothing wrong and was not going to help me, I called him 4 times, left him messages for him to call me back, and he never did. So, I contacted XXXX and surrendered my annuity and lost over XXXX. My personal belief is that WELLS FARGO trains their advisors to intimidate widows and elderly and make them feel stupid if they do not buy what they are selling. I was still grieving over my husbands death when I originally went to see XXXX XXXX. He knew that, yet he still took advantage of me. When I contacted WELLS FARGO management, they did NOTHING other than defend their money makers. Complaint # 2 I am sending a copy of the letter I received from WELLS FARGO saying that they sent all my personal information to the attorney who requested it. When I contacted then they said there was nothing they could do about it because it was subpoena and was already sent. I asked them what names were on the request. My name was not on it anywhere. I contacted the attorney who sent WELLS FARGO the letter and she confirmed my name was not on it and that she had contacted WELLS FARGO not to send out the info because the people involved protested it. WELLS FARGO made two more HUGE Mistakes ... my name was not on the request AND the request was already protested yet they still sent all of my personal information. Complaint # 3 Obviously, WELLS FARGO punishes their customers who tell them they are reporting their illegal tactics. Closing my accounts for no reason other than telling them I was reporting them is not right. My credit card was closed when they said it would not be. ( and was not listed on the original document ) Plus I received a notification that they were closing my credit card account ( letter attached ) Over five days after they closed it. I had no prior notice before it was closed thus creating a lot of problems for me. I am hoping you can fine them a huge amount of money and get back my losses for me. I am living on Social Security. I can not afford to make the poor decisions like I did with WELLS FARGO. Since this all started happening, the depression, XXXX, frustration, not knowing how WELLS FARGO can treat customers so poorly with NO accountability has made it impossible for me to sleep. Please let me know if you can help me. If Wells Fargo will reimburse me $ XXXX for the poor financial advice and the unfounded punishment they put me through along with reinstatement of all of my accounts with an apology letter, I will not seek judgment, otherwise I will. Thank you XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Loan estimate or other related disclosures
Consumer Complaint: XXXX XXXX A lot of fraud on my refinance application, and closing what Wells Fargo bank. Wells Fargo treated me with bias on prejudice. During the application process I had a good credit score. I was told I had to close a lot of credit cards to get the refinance application approved. rates was very low between 2 % and 4 %. I got a high interest rate after I close my cards. I have a friend who worked there said a lot of white people was getting low interest rate and they took money out and did not have to close credit cards. About one year after Wells Fargo mortgage sent up about 30 pages which should sign at closing. And call and threaten us to sign it. If we dont we will have problems seeking our house me and my wife. The send us those documents after numerous calls to try and get copies of our sign closing documents, which we never receive.we try contacting our lawyer and we get no proper help all he told us over the phone is to sign it without him reading the documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
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: Funds not handled or disbursed as instructed
Consumer Complaint: On or around XX/XX/2018 i have won a XXXX jackpot at the XXXX XXXX XXXX playing XXXX XXXX XXXX XXXX aparently the machines are owned by a company call XXXX and sure enough a lady flew in from Nevada to congratulate me. She brought my winners papers m and as well as the initial payment of XXXX in a form of a check drawn on Wells Fargo Bank and asked me to provide her with an account number and routing number where i want the remaining funds to be wired to, i said i will get back to her with the information. Following morning i went to Wells Fargo XXXX XXXX to cash the XXXX check they said they can not cash to a non customer and offered to open an account to become a customer. I agreed as i needed bank account anyways to provide to XXXX for the money transfer before i leave for XXXX and my departure was coming shortly there after. I put XXXX into my new checking account and XXXX into saving rest of the money i took in cash as i needed it with me as i decided to use the XXXX to buy a house for my grandmother in XXXX a house costs around that much over there. I also gave XXXX woman my account and routing number and was told that after XXXX is paid in taxes remaining XXXX something XXXX will be wired into my account. And they sure have. I went to XXXX and came back only to see statment showing the money were wired in them withdrawn by a person that was added to my account as signer without my knowledge or consent. I have told the bank about what happened they said nothing can be done. I did my investigation as the additional signers name was familiar to me so it did not take me long to realise what has happened. My uncle was also at the casino when i won and pretty much knew what i was doing when was i leaving etc. The person added to the account was his girlfriend whom i could not stand pretty much as much as my uncle. But most importantly they had help from my cousin XXXX who is a Wells Fargo XXXX and remains to this day and it is he who added my uncle 's gf as an additional signer and facilitated the theft of XXXX out of my account. When i confronted them they threatened my life and i got scared to pursue my claim. Anyways i knew XXXX has helped my uncle opening accounts for him at the branch where he worked and helped him and girlfriend XXXX XXXX XXXXXXXX XXXX through various accounts at Wells fargo and was giving money to manager there so when he told me that there is nothing i can do all was done right i knew he was not lying. Shortly after i read in the XXXX XXXX that my uncle his gf and others were all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case and were released just recently. No offer to give me my stolen winnings was made only more XXXX. About a month and a half ago i opened a claim with Wells Fargo XXXX claims and was appauled to hear a blatant lie that i never had an account with Wells Fargo and with my ss # they cant find any closed acct period. That is a blatant lie. You see i had a debit card etc i had placed my things in storage as i am estranged from my family and for a good reason. I was homeless in away and stayed with my gf till we broke up so before i left my things all paperwork was placed in storage. When i came back i brought papers i had when i closed my empty account there and a few days later my storage was emptied out and thats why i dont know my account XXXX and WF pretends they cant find it. You see when i gave them my ss # they asked me public record questions to verify my identity which i did answer correctly then they proceeded asking me for the email address i had when opened my acct i said i dont recal and gave them the most recent one i been using they clearly said in a recorded conversation thats not matching the one we have on file same they said about my phone number. That tells you they were looking at something on a computer screen for it not to match. With that said they closed my inquiry again i had it opened again and this time i turned to XXXX to please share with WF rep the account # i gave them to which they wired the money to and to my surprise XXXX refused to give it to me not sure if they shared it with WF. So as you see i feel a complete looser without a cent aside the XXXX i spent in XXXX on a house for my grandmother and XXXX that the state took for taxes, to show for my XXXX XXXX XXXX XXXX win. My life could of been completly diffrent if WF did not decide to cover up for their employee. I believe they now owe me more then just the money stolen out of my account. Sincerely, XXXX XXXX XXXX XXXX case # XXXX case worker XXXX XXXX i attach denial letter and for newly opened one they did not even bother to acknowledge. The address i gave is my friends address where i get my mail and phone number is his but he can get in touch with me and provide you with my number because i am busy day time helping out here and there with various jobs and not always there to answer the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
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: Other transaction problem
Subissue:
Consumer Complaint: Wells Fargo blocked my ability to send payments but would not tell me why. They lie and obfuscate. I launched three separate inquiries with them over the blocking of my use of XXXX XXXX XXXX XXXXand each time they told me they could not help and I would have to talk to XXXX. They would not help me get the use of it reinstated and acted like they had nothing to do with it. XXXX says it was all Wells and that they can not help me and I have to go talk to the bank. Neither one will help me, neither one will give me a straight or honest answer as to why it was blocked. Each one says it is the other. I think it is wrong to block a customers access to the service and lie about it. They should have to be transparent because it is my access to service and my credit that is affected. I have since moved nearly {XXXX XXXX out of Wells Fargo after 30 years of being a customer. And XXXX should not be able to block me without explanation. Both companies are not acting with responsibility or transparency and are breaking the public trust when they are allowed to do business like this and not be held accountable. I have been very inconvenienced and put in a bad position as I have been able to send payments for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX i had my bank account hacked and all my money from my savings transfered into my checking account and stolen from my checking account. I have no idea how my account was breached. I pursued claims with my bank ( wells fargo ) and they soon denied the claims and stated that the money transfers were authorized and that both claims would be closed. There was a total of XXXX dollars stolen from me and XXXX was from one savings account and the XXXX was stolen from another savings account. I am XXXX XXXX XXXX and a student and im very unsure of what to do and the steps to take forward. I was working on the XXXX and seen that money was missing and tried so hard to get things settled and when i was on the phone with the claims depertment they witttness them steal XXXX dollars from me and then decided to claim that my transfers were authoized and i truly feel like i am getting sweeped to the side and i need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I do not know the exact date that Wells Fargo froze my personal checking account stopping thousands of dollars in transactions because they did not inform me. It was sometime in early XXXX. By the time I found out in XXXX ( as I started recieving late notices, lapse in coverage form insurance policies etc. ) it had wreaked havoc as all of my bills, payments have been on autopay for many years. I have virtually no history of bounced checks, payments or anything adverse to effect my account which has been in good standing for over 20 years. There was virtually ZERO reason for this freeze and Wells Fargo admitted this error in writing but they are not offering any remedy for the financial chaos and losses I have experienced. So their letter of apology means nothing. I don't believe a bank should be allowed to do this and not have to be responsible for the consequences their actions have had on me, my finances, my credit and especially the loss of over {$500000.00} in life insurance policies that I've owned for years that I am no longer healthy enough to replace. It is devastating to me that my family/ estate will not be protected now upon my demise. The stress of this has also impacted my health ( which is already compromised ) and well-being considerably. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A