Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Furnisher of information : Wells Fargo Account XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Wells Fargo is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to XXXX, XXXX, XXXX, Wells Fargo whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Wells Fargo NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account listed above is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We deposited XXXX check on XXXX separate days. The initial payroll deposit made on XX/XX/XXXX was supposed to have a partial released on XX/XX/XXXX and that the full amount will clear on XX/XX/XXXX. That didnt happen. The second day, we deposited a check from XXXX XXXX and that was supposed to be released on XX/XX/XXXX. That didnt happen. We talked to several reps over the phone and went into the branch and we were told different things : 1. The account hard been flagged for fraud 2. The issuers of the checks ( 2 separate companies ) have a history of retuned checks. I called both banks and they informed us that both checks cleared. So I called Wells Fargo informing them of this and they stuck with the story that both companies are unaware ofthat the banks have a history of returned checks. As of today, we have {$17.00} available in our bank. This has left us crippled. We are not sure of how were going to make it to work this week or pay our bills that are due. Wells Fargo refuses to release a dime until XX/XX/XXXX. Which is an unreasonable time to hold anyones funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 a friend set up my computer so I could log into my bank account, she noticed that on XX/XX/2023 a {$92000.00}. 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 100 mikes away, there is none in XXXX, 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 XXXX on XX/XX/XXXX, XXXX to report the {$38000.00}. After the fraud complaint call ended we called XXXX to file the theft report. On XX/XX/2023 a friend and I loaded my wheelchair into my vehicle and drove to XXXX XXXX ( I am a home bound XXXX XXXX ) 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 {$92000.00}. 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 wheel chair, he told me I would need to go to the branch I had originally opened my checking account which was in XXXXXXXX when it was called XXXX left Wellsfargo in XXXX XXXX with another reference number and the knowledge that nothing got done but we would have XXXX XXXX to XXXX to branch location I first opened a checking account in the XXXX I received a letter from a bank manager in XXXX XXXX XXXX telling me Wellsfargo would not be giving me back my money because the other bank ( XXXX XXXX XXXX ) would not give the money back to Wellsfargo On XX/XX/2023 someone walked into a Wellsfargo bank on XXXX XXXX in XXXX XXXX, XXXX claiming to be me, set down with the bank manager, and transferred {$92000.00}. from my account to someones account at XXXX XXXX XXXX, Wellsfargo charged me {$40.00}. to process the fraudulent transaction. Someone then walked into a Wellsfargo branch bank and cashed a check for {$38000.00}. Claiming to be me all this time I am setting in a wheel chair in my home in XXXX XXXX Wells Fargo 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/2023, my whole life savings gone.. If the manager wouldve looked at my account history he would see I never traveled out of XXXX I was at the bank here in XXXX 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
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: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I applied for several loan modifications which at the time Wells Fargo informed me I qualified for. Wells Fargo sent several applications that I completed for years. They never explained to me why I was denied and I was told my only option was to short sell which I still don't believe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On today, XX/XX/2023, I called my Bank Wells Fargo to find out why I am unable to make any online payments or transfers and was finally told that they decided to close my bank account on XX/XX/XXXX so there is currently a hold on my account. I asked why this is happening as Ive never had any issues with them since becoming a customer the beginning of this year and I was informed only that it was an executive decision that they can not disclose to me the reasoning of why. When I asked if I could go to a branch to withdraw my money ( {$290.00} ) they told me I can not do that and I have to wait until they close my account on XX/XX/XXXX and I will receive a cashiers check in the mail within 2-3 weeks. I obviously can not wait that long for access to my own money as I have bills to pay and other responsibilities that are coming up. It is completely unfair that not only did they never contact me about this decision ahead of time, but that there is no explanation as to why AND I cant have access to my own money for that long. If someone could please help and contact me I would more than greatly appreciate it. Thank you in advance for your help and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear CFPB, My name is XXXX XXXX. I am writing to express my overwhelming frustration with Wells Fargo bank and ask for your assistance solving a simple problem that I have been unable to get handled in the past XXXX MONTHS. I am hoping you will be able to get me in touch with someone at that incompetent bank who can actually help. I have been writing, calling, and my son ( POA ) even visited branches to deal with to no avail for the past XXXX months. We are both at our wits end with this bank and this situation. Earlier this year, I was displaced from my home due to a fire. I am currently living in temporary accommodations while I try to get my life back in order. I do not have regular access to my mail or my possessions. I do not have a permanent address. Caring for my wife XXXX has also been taking up a lot of my time. She hasnt been right since she caught a severe case of XXXX a couple years ago, when she survived several cardiac arrests and several months in the ICU at XXXX XXXX XXXX In short, my life is a mess right now and Wells Fargo just insists on making it messier. XXXX of the few things I had in my possession after the fire was my XXXX visa credit card. I used it to pay for some expenses. If I had known then what I knew now Id have thrown the card back into the flames. Wells Fargo is so incompetent it seems malicious. This spring, Wells Fargo bought my credit card account from XXXX bank and sent me this card to replace it. My old card was cancelled and I lost my online bank access with XXXX. In that way, I am the definition of an unintentional Wells Fargo customer. I did not ask to be a customer of this bank. I kind of feel like XXXX of those fake account holders Wells Fargo fraudulently opened a few years back. In any case, I didnt have much with me after the fire. What is left of my possessions are in storage with XXXX somewhere. I am still looking for a new place to live now. I just noticed a missed payment reported on my credit card account this month from Wells Fargo ; I have a credit monitoring service which emails me about these things, which is more than I can say of Wells Fargo by the way. I cant get them to do anything! This payments problem is so unnecessary and recurring and time consuming and it is all their fault. I have asked them for almost XXXX months to let me register for online banking. I have explained my situation to phone reps more times than I can count. I named my son POA on the account and sent them another letter to help deal with this, and he cant get it fixed either. I dont know what else I can do at this point but ask for your intervention. Ive been very nice and patient but this bank is so incompetent I dont know what more I can do. When Wells Fargo bought my credit card account this spring, they cut my access to XXXX online card management portal. I have not been able to register for online banking since because they have an incorrect phone number on file. There are XXXX phone numbers on my account. XXXX of them are valid. XXXX of them is a work cell phone I had when I was an employee at XXXX XXXX XXXX, so I havent had that number in years. When I go to register for Wells Fargo online banking, they INSIST on texting a validation code to that XXXX invalid phone number. Therefore, I have not been able to enroll in online banking with Wells Fargo since they bought the account. I have called. I have written. I have called again. I have named my son POA so he can represent me in a Wells Fargo branch with regards to this issue ( he lives in California, where there are branches ). No matter what we do, we can not get Wells Fargo to fix this stupid problem. I can not get online banking setup because they will not remove the invalid phone number ( XXXX ) or send the verification code to XXXX of the other phone numbers on the account or an email or ANYTHING else. And since I am displaced, I dont have an address, so I cant reliably get mail. I have no idea what the status of my account is. I have to deal with so many other things and yet here I am XXXX months later and I still havent been able to setup autopay or online banking like a normal person. I have charged some expenses to the account in the wake of the fire, but I cant review them or pay them in a reasonable way because Wells Fargo is making it unreasonably difficult to do so. I am sure I owe Wells Fargo something, but I have no way to tell what it is. I live in XXXX, XXXX. Ive lived here since before they bought my account and I live here now, albeit in a hotel. There are no Wells Fargo branches in the state. I do not have a Wells Fargo checking or savings account. Yet I have been informed multiple times by multiple people that the only way to have my identity verified outside of sending a text to that number I dont have is to show up in branch and present my ID. I have been assured that this invalid phone number had been removed from my account several times after spending cumulative hours in phone trees transferred from department to department and yet it is still an issue today. I am at my wits end here. In summary, what I need your help with is : XXXX. Well Fargo needs to remove the invalid phone number ( XXXX ) from my account and finally allow me to register for online banking and auto-pay. XXXX. Wells Fargo needs to waive any interest and penalties charged to my account- they only exist because Wells Fargo has been unable to solve this problem for nearly 6 months time. XXXX. Wells Fargo needs to retract the negative report on my credit about late payments. Again, these payments are only late because I dont have an address, I cant get my mail, and I cant register for online banking or autopay because of XXXX XXXX XXXX incompetence handling a situation that they caused by acquiring my paid-on-time account. I encourage anyone at the bank to pull up my phone call records and listen to the HOURS of time my son and I have spent trying to have this issue resolved, starting in XXXX and now here we are in the end of XXXX. I dont know what more I can say : Wells Fargo XXXX impossible to deal with and is incompetent beyond all measure. I now have a bank I never wanted to be a customer of ruining my credit because of their own internal process failures. How hard is is to change a phone number? I. XXXX dont understand. If they cant do something so simple, why were they allowed to buy my account in the first place? Please. Someone. Help. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I bank with Wells Fargo. I am XXXX year law abiding citizen. In XXXX, I was coarsed by fraudster to wire XXXX USD to a bank account in XXXX. I had to withdraw this money from my IRA. When money reached the beneficiary account, XXXX froze the account due to beneficiary suspected money laundry scheme ( information came from my bank ), which I was not aware of. Once I learnt about this, I requested for a wire recall that XXXX refused to return my money even after several requests. Later another case was filed by me for fraudulent wire tranfer but XXXX again didn't provide any reason to my bank as what happened to my money? My bank refused to intervene and failed to get me more information about where my money is? Is it with the scammers or with XXXX or with government agency? My bank doesn't want to solve my problem. I need to know where is my money as I badly need my IRA money back. I need help from CFPB to hold Wells Fargo responsible for loss of my fund. Please help!
Company Response:
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I feel I have been involved in a fraudulent scam with Wells Fargo bank. I received a check for identity theft protection affinion for {$270.00} Going back further I dont remember having Wells Fargo before 2012 but recall being in trouble for check writing that I never had or did. I believe accounts and money was transferred in my name against my will without my knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted Wells Fargo on XX/XX/ to inform them of 6 unauthorized ACH transactions and they denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: The CFPB does not assist with helping consumers. COMPLAINT ID XXXX you allowed this company to provide a response to my claim and closed the case without any review of the information they provided. They might as well have submitted a stick drawing. I am writing in response to your recent communication to the Consumer Financial Protection Bureau ( CFPB ) where you stated that you mailed a Right to Cure letter and a Final Response letter to me. However, I did not receive these letters, and I am deeply concerned about the discrepancy between your claim and my actual experience. In addition, it is evident that the validity of the letters you claim to have sent is indeed questionable. One significant portion to support my claim of NEVER having been sent these letters is the lack of information regarding the repossession process. From these submitted letters, you can determine that I was NEVER informed about the location to which the vehicle was sent, the entity responsible for the repossession, or the steps to retrieve personal items from the repossessed vehicle. Furthermore, there is no mention of the auction details, including the location, date, or time of the auction. Calling you for this information does not satisfy the requirements of the law. Had you sent these letters, however, I would have known that calling for this information was an option. The other notable item is you stated you repossessed the vehicle on XX/XX/2023. That is the date on the letter you provided in the Fraudulent " Notice to sell the vehicle letter you provided. '' What are the chances you wrote me a letter on the same day you repossessed the vehicle? These critical omissions raise doubts about the true existence of the purported letters prior to the CFPB being informed of your improper handling of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A