Date Received: 2023-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Someone is using my identity to get loans and sending them to other accounts not in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 735XX
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: Fraud or scam
Subissue:
Consumer Complaint: On Friday, XX/XX/XXXX, a fraudulent, unauthorized charge was put on my account through XXXX XXXX for {$220.00}. Unbeknownst at the time, my card had been stolen and put onto another someone else 's phone in order to transfer money out of my account. 4 more charges proceeded after the initial charge. One charge for XXXX, one for {$100.00}, the third charge for {$240.00} and then a last charge of {$240.00}. The following morning on Saturday, XX/XX/XXXX, I had found these charges in my Wells Fargo checking 's account, in which I had immediately called customer service in order to put in a claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28613
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I was a customer of Wells Fargo home mortgage from XXXX. I had to sell my home through a short sale in XXXX. I have read there has been a settlement to help customers affected during that time period and would like to know if I was negatively affected or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
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: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In XXXX of 2023 I applied for an apartment XXXX XXXX XXXX in XXXX XXXX Ct. The apartment that I applied for wasnt the apartment that I wanted because it was too expensive. The website forced me to apply for the apartment that costed XXXX. I then emailed the apartment manager and told her I didnt want that apartment I wanted the cheaper apartment. She then told me that was ok with her and it would be ready for XX/XX/2023. The apartment for XXXX would have been ready for XX/XX/2023. I was ready in XXXX. I was called by someone in XXXX and told that I wouldnt be able to get my security deposit back so I called Wells Fargos customer service and asked if they can dispute my charge since I wouldnt be able to move in and it was a scam. I was told yes so Wells Fargo started a dispute. I havent heard anything else back from the bank so I called and when I called I was told that I was sent a letter that I never got back. So not only was I forced to apply for an apartment that I couldnt afford but I was also told I wouldnt be able to get my money back. Upon further research this apartment concierge they have had many issues brought against them. I would also like to point out that i had a friend go look at the apartment as well. I asked the property manager how much was the rent and she herself stated between XXXX. I went to check my welcome package and the rent was actually XXXX XXXX Way more than I was ever willing to pay and from my conversation with the property manager she knew I wasnt willing to pay that. Online it has one price and when u get the welcome package theres another price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/23 I received an email from Wells Fargo stating I had applied for and been approved for a Wells Fargo Active Cash Visa Card with a Credit Line of {$16000.00}. I also received an alert from XXXX XXXX and XXXX that there had been a hard pull of my credit report. I had not applied for this and have never had an account with Wells Fargo. I immediately contacted Wells Fargo, and after talking to XXXX different people, I was told that they would have to talk with someone in a credit card department that would not open again until Monday. My husband also spoke with Wells Fargo staff about this and was also told that I should call back in a few hours because at XXXX XXXX the credit card likely would have been processed and they should be able to cancel it. I called again on Sunday, XX/XX/23 and was told that because the card had not yet been created they couldnt cancel it. However, I was requesting they prevent the card from ever being created, as the creation of this card could allow someone to begin spending money on a fraudulent account. Wells Fargo was unable to help me and as it stands the card will be created before it can be cancelled- and it can only be cancelled by my calling Wells Fargo again tomorrow to try to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hi I sent XXXX transaction to both checking and savings accounts and I am still waiting on it to arrive. I sent it to my wellsfargo bank account. These transactions were done between XX/XX/2022 and XX/XX/2022. Please help recover my funds before someone spends it. Best, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
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: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: - as I renewed my mortgage insurance for XXXX XXXX I was seeking the best $ rates ; my oversight was to let the contract be dated with only a 4 day lapse ; - about XX/XX/2023 Wells Fargo ignored my insurance coverage and added their assigned insurance due to the 4 day lapse ; their insurance rate was approx. {$160.00} more cost than mine. They added it to my escrow which increased my monthly mortgage pmt.. Meanwhile I had already prepaid my insurance for the entire year. Also note NO claims and no incidents occurred during those lapse dates. - with some communication... they agreed and acknowledged my insurance and removed their insurance from my escrow liability. - yet .... months later they added their insurance again ; in XXXX they ask me to cancel my insurance after 10 months of used coverage ; I explained to them : NO INSURANCE COMPANY WILL REFUND COVERAGE AFTER 10 MONTHS HAS PASSED ; Then they ask me to ask my company to 'BACKDATE " my policy 10 months to cover the XXXX lapsed days ; after I reported that their is a 30 day limit to backdate with my insurance for for " best practices '' and " ethics '' ; now they persist with not accepting my prepaid insurance coverage even though they once DID accept it and then they flex " on again and off again '' ... ..my argument is : both of these opposite behaviors can not be logical or legal or fair ethics????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Wells Fargo credit card on XX/XX/2023 and received a letter 2 weeks later informing me my application was denied because XXXX could not verify my identity. I contacted both Wells Fargo Executive Office and XXXX demanding to know how this could happen since I had a XXXX XXXX XXXX of XXXX and XXXX with XXXX and XXXX and have had a score over 800 for many years. I sent an email with a print screen as proof but received generic response emails with no explanation or resolution. Both XXXX and XXXX use XXXX, XXXX XXXX and XXXX to determine my credit score so I could not understand how they could not verify my identity. XXXX demanded I send proof of identity which I did 3 times - a passport, a drivers ' license and social security card and a gas bill and WP4. XXXX then sent an email informing me I had a LOW credit score because I had no revolving accounts and no long term accounts which is blatantly false and I sent them the print screens from my credit cards proving my XXXX was over XXXX. I provided proof of my identity to Wells Fargo also, but received a second letter informing me they could not approve my credit card application because XXXX could not verify my identity. XXXX sent me documentation yesterday which is very unclear as it refers to the requesting agency needing to provide XXXX with documentation of their request and also stating there is no record of Wells Fargo making a request on my credit check. Someone is lying and I am sick and tired of getting the run around. Now my credit score dropped XXXX points with XXXX and XXXX points with XXXX due to Wells fargo and XXXX and I have nothing to show for it. CFPB does not communicate clearly, does not keep me informed and closes complaints without any explanation. If XXXX has no Wells Fargo inquiry on my credit check how can Wells Fargo deny me a credit card and then send a letter stating XXXX could not verify my identity? I have researched this issue online and it appears Wells Fargo is denying applications to customers with high XXXX scores and good credit but approving them for people with low XXXX scores and fair credit- why would they do this? I feel Wells Fargo has discriminated against me possibly because I do not carry a balance on credit cards ever thus they would not make any money on interest. Since I have an exceptional FICO score, with no missed payments there is no reason to deny me and they have made up a fraudulent excuse. Wells Fargo defrauded 2 million customers several years ago by creating phony accounts without the customers knowledge. Now they appear to be denying consumers with good credit histories credit cards for no valid reason which is deceptive and discriminatory. XXXX states Wells Fargo did not make a credit inquiry and Wells Fargo states XXXX can not verify my identity. CFPB needs to determine which organization is being deceptive, keep me informed and explain the results. I have 2 credit cards- XXXX for 16 years and XXXX for 3 years, just paid off a loan in XXXX of this year, pay all my monthly utility bills promptly and do not apply for credit cards very often so there is no valid reason to deny me a credit card and it appears Wells Fargo made one up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82604
Submitted Via: Web
Date Sent: 2023-12-20
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: In XXXX of XXXX I discovered money in my checking and Savings that did not belong to me. I went to Wells Fargo, sat down with a banker I requested her to close or freeze those accounts. I ask for 2 new accounts. Instead I got 4 accounts, the first 2 accounts were not closed They ending up overdrafting my first two accounts .I requested more info, since now they are looking at me for the answers. I found out someone had mobile deposited monies in my checking and savings. This was done in New York! I have never been to New York, nor deposited any monies thru mobile banking. The back of the check has my name printed. I tried to convince them I had nothing to do with this, Wells Fargo told me I could never bank with them again, and they took my 2 Social Security checks. one for {$110.00} and one for {$630.00}. They lied and said they sent the funds back, since they closed my accounts. Not true I could not pay my bills. In XXXX they contacted me, saying maybe the made a mistake! They sent me {$150.00} and {$500.00} more when I complained. I still never got my money for XX/XX/XXXX. I believe they gave me money because they were getting sued I knew nothing about the lawsuit, so I was cheated out of more compensation I am submitting paperwork. I will be numbered, They gave me the run around, I could never talk to the same person, in the same city. The paperwork will show this. I was treated in fairly and like a criminal. I did nothing wrong. I recently got more letters from them about Identity theft. I never had that to my knowledge. So I guess I am getting shafted again. I am XXXX, the way I was treated was so wrong. My XXXX got worse, as well as my problems with my XXXX. No-one deserves to be treated this way. They took all the money I had, I could have has my bills shut off or lost my place to live. I really pray you can help me. I don't have much, but I pay my bills. Wells Fargo judged me unfairly! There are case numbers on some of the paperwork as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46806
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: On XX/XX/XXXX a friend set up my computer so I could log into my bank account, she noticed that on XX/XX/XXXX a {$94000.00}. transaction posted to my account, she also noticed a pending transaction of {$38000.00}. We called the number for Wellsfargo on my debit card, was transferred to the fraud department spoke with a woman name XXXX. She said someone went into a bank, showed ID and did a wire transfer, she ask if I had been to the bank, I told her No and explained the closest Wellsfargo bank branch is XXXX miles away, there is not a bank branch in WV, I told her I had been to the non Wellsfargo ATM machine on the XXXX of XXXX She said she would close the account, open new one, send new debit card and checks, she said tge {$38000.00}. Might post on new account, she did not do a stop payment on the check, I told her I had not used any of my checks, she said she could not do a stop payment because someone brought the check into a branch bank, showed ID that they was me, I clarified I had not been to one of their bank branches in many many years. She told me to make a police report and to go into nearest bank branch in XXXX VA on XX/XX/XXXX, XXXX. to report the {$38000.00}. After the fraud complaint call ended we called 911 to file the theft report. On XX/XX/XXXX a friend and I loaded my XXXX into my vehicle and drove to XXXX VA ( I am a XXXX XXXX XXXX Veteran ) on the way we checked online banking and the check for {$38000.00}. had cleared and posted to the account. when we arrived in XXXX Wellsfargo bank we were informed we needed an appointment to speak with a banker to discuss a total of {$130000.00}. worth of fraud charges..finally one of the bankers fit us in at XXXX we waited in parking lot all morning and afternoon. We met with the banker, told him the information gave him the fraud reference number, told him what the fraud person XXXX had told us, he made a phone call to find out about the {$94000.00}. Because it was an odd reference number the banker was on the phone for over 90 mins and he checked my ID ( drivers license, veteran ID, vehicle registration etc and ask where I originally opened my Wellsfargo bank account and verified to person on the phone that I was in fact who I claimed to be and that I did come into the bank using a XXXX XXXX, he told me I would need to go to the branch I had originally opened my checking account which was in NJ when it was called XXXX left Wellsfargo in XXXX VA with another reference number for the {$38000.00}. and the {$40.00}. and the knowledge that nothing got done but we would have to drive to NJ to branch location I first opened a checking account in the XXXX not understanding why we had to drive 7 hours because my signature card could have been faxed. I received a letter from a bank manager in XXXX XXXX TX telling me Wellsfargo would not be giving me back my money because the other bank ( XXXX XXXX XXXX ) would not give the {$94000.00}. back to them ( Wellsfargo ). While XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my home in XXXX WV Wells Fargo allowed someone to take {$130000.00}. From my account and they charged me {$40.00}. to do so. WellsFargo has yet to return my money and consistently gives me the run around transferring me from one person to the next everyday. Today is XX/XX/, my whole life savings gone.. If the manager wouldve looked at my account history he would see I never traveled out of WV I was at a different bank here in WV on the very day someone claiming to be me sat down in front of him. No he doesnt want to give me back my money because he made horrible ID mistakes {$130000.00}. worth of ID mistakes. Scammers usually attempt a small amount this person must work in the bank to have immediately taken such a large sum of money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26501
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A