Date Received: 2023-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently purchased two money orders that I could not use. The place ( XXXX XXXX XXXX ) I purchased them from said they couldnt help me with exchanging or refunding them, but to try to deposit them into my bank. These money orders were originally intended to pay off a loan to XXXX XXXX. So I knew this would be a longshot. However, I tried to deposit them still. One of my orders was for {$1000.00}, while the other was for {$990.00}. I deposited both money orders via the Wells Fargo mobile app on the same day XX/XX/2023. The deposit for {$990.00} went through, while the one for {$1000.00} was denied. I contacted Wells Fargo exceptions team and they advised that the money order said it was intended for XXXX XXXX, I then explained the full story as to why they were made out to XXXX XXXX. They simply responded saying that the {$1000.00} money order could not be deposited because its made out to XXXX XXXX. I countered and said well, so was the other one, but you guys still accepted that one what would be the difference? They advise me that one got audited, and one didnt, but that makes no sense. So with that logic, I can deposit money into my bank half of the time even if its made out to some other entity, but the other half I cant. I found this to show no consistency and a lack of empathy and integrity within the company. Wells Fargo Exceptions went on to advise there was nothing they could do. I advised that I could provide them with the original receipt that I received when I purchased the money orders. I also advised that I could have the accounting manager from XXXX speak to them on my behalf. Still nothing could be done, despite someone clearly already making an exception to process the {$990.00}. I found this response and answer to be completely unfair and inconsistent, and it needs to be reported and reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68154
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Have been trying to work with XXXX in gettng a loan modification and they continue to deny because they state i have past the XXXX to qualify for a certain modification and theyt stated i dont quality for a different modification becauese the XXXX percent exceeds what i can afford it would be more than XXXX percent. There were errors that occured and I had asked them to consider circumstances do to loss of family members. it has continued to prolong because they wont go to the invester to seek a waiver do to what has happened to financial hardship all i was wanting to request that the amount of what is owed go to the rear of the loan so that i would be able to start paying my mortgage if they dont do it it inflates to XXXX compared to XXXX i had orginally. I tried to work on getting a modification but they wont consider the reasons why. i cant afford to pay the rearage of the loan from when i initally requested the loan. I feel this is prolonging and i am still getting denied. I asked them to go to the investors as well which is now XXXX XXXX to consider an exception. I have a combat XXXX veteran daughter who served in the war in XXXX and incurred injuries including XXXX and physical injuries. I asked them to consider all of the circumstances to what has occurted. My other daughter past away during covid and that is why i was placed in the situation. I will provide a letter to explain all that has happened including errors by XXXX. and yet i can not be able to get a modification that is fair. It just feels like there will continue to be denials when it should not have gotten to this point. All I am askjing for is what is fair due to the errors and circumstances of how all this came about.How is it fair when I lose a daughter age XXXX to covid and let them know ahead of time before it started to happen due to financial hardship and then the prolonging and lettig my modification lapse to past 90 days when they didnt ' try to let me know that that was happening. it started from lack of communication and doing some wrong things. date contacted XXXX beg XX/XX/2021 daughter past away in XXXX what do i do to let you know I am in financial harship, They said wait til my foreberance came up on XX/XX/XXXX then apply for modification application. On XX/XX/XXXX called them the day my mortgage was due. They said to just submit my finances to them I did along with my other daughter XXXX comes they said oh we need another aplication submitted with my financies again. did it. XX/XX/2021 oh we need more information submitted your application is being reviewed. XXXX i believe end of XXXX. Relationship XXXX talks to us your application is 90 days past we said how can that be you stated it was in review. Relationship XXXX states oh well I just want you to sign the back of another signature page dont submit the application again just sign the back signature form with the date. That did not feel right. I said is all alright she said yes. Usually you would submit a new modification application for the proper guidlines in submitting. But we did what she wanted us to do i felt strange doing that it didn tfeel right to do. but we were told to do that so we did. Well they apparently let the apllication lapse past 90 days not me. I said is this going to affect me she said no. But it did when i got the letter it was that I was denied for a modification due to 90 days past. And i didn tquality for another modification. So here we go now it is XXXX its been several months and i got denied. This started the prolonging. when i was trying to get it going quick to get started. Yet i didnt understand why they would deny me our incomes were sufficient for a loan modifiction.. No matter how i stated the hardship it didnt matter i was denied.We had another household member with us so incomes were there. I didnt understand why woululd they give a modification. i sent letter stating what had happened did constant communcation. it was just a constant battle to try to get them to even reinstate the loan place the amount to the rear to move forward. At that time I was already gettting to the 6 month past due mortgage. I knew i didn thave the money to pay XXXX or even XXXX past.i every time i would apply they said i didnt qualify and kep t saying im 90 days past when it wasnt my fault. Now its to a point where it has gotten to this point and time with constant denial wheni just want a resolution in giving me a modification to stay in my home. it was because of the circumstances and i can afford to pay the original XXXX but to the excessive XXXX is not fair. When it wasnt me who cause the errors including a mistake on doing a foreclosure on me. The letter will state the circumstances and why. i want it investigated and hear the circumstances as to why and get with the investors in my mortgage to hear me. I am now with XXXX XXXX why cant they see the circumstances of the situation on how i was put to this point. i just want to stay in my home and be able to have a modification that is fair and reasonable and place my amount owned to the rear of the loan. Why cant that be possible giving the situation nd the errors done on my application. You how can anyone know what it feels like when you lose a daughter and have another one who is dealing internal deep wounds from a war she fought for her country and to come back broken and is XXXX total and permanent XXXX and still try to stay above this all.Not knowing if I will be able to continue living in my home because ot the situation of losing my daughter and going day by day with this battle of tryingto get XXXX to convey all this information to my mortgage company investors which is now XXXX XXXX. I just want what is fair given what has happened and I have family here. I dont want to leave my home I just want to be given fair and reasoble modifiaction and asking to please put what is owed to rear of the loan and make an exception because of what has happened it should not be like this ive tried and tried to point out the discrepancies of things and how it was not fair. im reaching out for some hope and now have to do this complaint because there is no resolution at thistime i just want this behind me and i want to stay in my home and be able to not stress with this and wonder. i would like this to be sent to Wells fargo Mortgage to review this andsee what can be possibly done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i get. On average XXXX from the VA since I am XXXX XXXX. When I got out I should of had XXXX. I only had XXXX dollars.from XX/XX/XXXX till XX/XX/XXXX I gave some XXXX authorization to use my card. But XX/XX/XXXX I called Wells Fargo and told them to stop authorization and freeze card and account. So I should of had money for XXXX XXXX and XXXX about XXXX but only XXXX XXXX XXXX... Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened a checking account with Wells Fargo in XX/XX/XXXX in XXXX CA. My account was great standing until I became sick with XXXX in XX/XX/XXXX and hospitalized. In XX/XX/XXXX, due to being hospitalized, my account began incurring overdraft fees. Wells Fargo closed the account in XX/XX/XXXX. The overdrafts were a result of auto payments setup with utilities ; I was unable to stop these payments as I was hospitalized. I wasnt able to do anything while sick with XXXX. I recently returned to work after recovering from XXXX for over a year and need an account to direct deposit my paycheck to. On XX/XX/XXXX I met with a banker XXXX XXXX who refused to help me resolve this. Against his desire to do so he called the department handling my account and spoke with XXXX who advised both him and me a branch manager could waive the incurred overdrafts & fax confirmation of same to him at which point he would make payment arrangements to payoff any balance. Unfortunately the branch manager XXXX refused to talk to me about this matter, telling XXXX she would call me the following Monday. She never called. I subsequently learned she claims she tried calling me on XX/XX/XXXX but my cell phone rang busy and she was unable to leave a message. This is a lie. Cell phones dont ring busy. My cell phone records do not show any incoming calls for XX/XX/XXXX. XXXX has falsified notes on my account. I went to another branch to try to resolve this and spoke with XXXX. That branch manager refused to speak with me too, refusing my request to waive the overdrafts because my account was charged 9 times and wasnt in good standing as I claimed. She ignored the fact those fees were charged when I was sick with XXXX and its those fees I wanted waived due to the circumstances and leading up them being charged my account was stellar. XXXX said my only option was for her to submit an online complaint to their executive office for handling. This was done XX/XX/XXXX. To date I havent heard from Wells Fargo. To reiterate I am wanting to pay Wells Fargo what I owe them, for them to waive {$170.00} of the overdraft fees charged, and reopen my checking account. ( {$170.00} does not represent the 9 overdrafts charged, only a portion. Im willing to compromise those fees however Id prefer they all be waived. I explained this to Wells Fargo previously and they refused to help me. ). This was explained to XXXX, XXXX and 2 branch managers PLUS to XXXX by phone. Everyone points fingers to each other claiming they cant help. XXXX said the managers can waive the fees ; the managers say they cant and wont waive the fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I initially submitted a complaint against Wells Fargo because they were not allowing me to access my account after an individual XXXX XXXX gained unauthorized access to my account information after I was victim to a very unfortunate situation. I was falsely XXXX for being in possession of a stolen vehicle which was a XXXX truck that I rented. The previous renter of the same truck never returned the vehicle so it was registered as stolen with the police. XXXX finally recovered the vehicle and put it back in the rental roster the only thing they forgot to do was notify the police that they had recovered the moving truck. So when it was rented to me and I left with it a license plate scanner picked it up as a stolen vehicle, police responded and a XXXX XXXX was made against me. I would like to add that after quite some time XXXX admitted fault in the situation, the XXXX XXXX XXXX and I ultimately was XXXX XXXX XXXX. After my XXXX I was told that I needed to have someone come to recover my property the only person whos number I could remember was a newer acquaintance that I made he was a worker at the Storage facility I was using. I would like to add that property from the XXXX is put in a vacuum sealed bag with a cardboard backing not easily removed. I called XXXX XXXX and ask him could he please recover my property and HOLD the property for me until I would be released. He agreed and did as asked. Unfortunately he also took it upon himself to open the property package which consisted of my phone which in notes held all of my account information and PIN code. He then went on a rampage he changed my user name, password, phone number and address all in one day. While I was XXXX he made charge upwards of over {$5000.00}. He created accounts in other peoples names, opened a phone in my name, he impersonated me basically. This is something that should have been an immediate red flag to Wells Fargo and my account should have been immediately locked for further verification. I have had my account locked by them for even the smallest unrecognized charges and have had to call to verify multiple multiple multiple times. Yet in this occurrence they idly stood by and did nothing to stop this from happening. This is all know by Wells Fargo and my initial complaint unknowingly to me was closed because they responded and at the time that was all fine and well I was contacted by a very understanding nice woman from the bank was assured that the problem would promptly be resolved and that I would be receiving my money back. Ever so relieved I just waited it out. I was told I may be contacted to provide additional information or evidence when needed. This is where my new complaint comes in. It is with what transpired after my very positive conversation with this woman who contacted me. I was not contacted by anyone until the XXXX of XXXX I believe around XXXX an extremely rude man called me and acted in a manner I feel was completely unprofessional. He asked me to explain what happened in my situation. Mind you I had at this point gone over this with them at least 15 times throughout the company to various people. Most importantly the woman who called me in regards to my initial complaint who had full knowledge. Now I am being contacted by a man was is going to be responsible for making the final decision on my claim and he is telling me that he has absolutely ZERO information whatsoever regarding my case he tells me. So I begin to start retelling my situation to him where he abruptly cuts me off asks me what any of this has to do with the charges that were made which obviously it had everything to do with the charges that were made and that he did not have all day for this! Basically minimizing the importance of my situation. It may have not met anything to him in his big position with a power company like Wells Fargo however in my small little life basically my entire existence is hanging on recovering these stolen funds. And I want to make it clear in no way whatsoever did I give XXXX to access my funds or card or phone for anything. The ONLY person authorized to use my account is my girlfriend and this access is restricted to specific apps XXXX and XXXX and with that access my card number is not shown and and restricted to only access to those two companies. These other charges it is an absolute impossibility that she could or would have been responsible for them. Back to the rude, uniformed final decision maker. Mind you he called me to ask me I believe it was 4 question that really had not much to do with any specifics regarding my situation. He said ok. That was it. I asked would they be offering me the opportunity to provide any evidence that would further solidify my case. Anything I asked was projected as a huge inconvenience for him he reluctantly only gave me the standard customer service number which I could have gotten myself off of the back of my card and he told me just contact them and they would direct me to the right department to submit evidence. So I spent the night collecting things and writing down the information I had been given by various companies about accounts not being in my name one company I even have a screenshot of a chat with them where the legitimately instructed me to file a dispute with my bank to recover my funds because it was out of their timeframe to be able to do anything but that they agreed the money should be returned to me. I have this in writing from them and it was a charge for over {$1200.00}!!! The company name is XXXX XXXX who sell electronics. Again this man from Wells Fargo contacted me at XXXX on the XXXX when I woke up at XXXX the very next day not even a full 24 hours after speaking to this man I see that my entire claim has been denied. Not XXXX XXXX XXXXXXXX from over 100 charges made against my account were deemed to be returned. Money that was spent on my card not in my name, money that was spent in my name all the while I am sitting in XXXX for a XXXX I did not commit so after going through that horrible situation I now have this to deal with. It is an absolute atrocity what is happening to me and how the situation has been held by Wells Fargo they are my financial institution. They are supposed to have my back if any situation like this was to arise, and they have done nothing but lay down and play dead. They have made no effort to help me with this situation whatsoever and I am justified in demanding that these funds be returned to my account. First, I was not aware of the gravity of the situation, because I can not even access my account because they changed all of my information I was made aware of the situation only maybe months later, when I received a pile of mail overflowing out of my mailbox mail that had been re routed to me I suppose from the fake address they created and added to my account the post office held the mail and finally realized it was mine and sent it with yellow stickers to my actual address it was over 40 pieces of mail letters from Wells Fargo for all of the transactions that were made each letter states that they suspect the charge to be fraudulent and they wanted my approval so that in itself tells me that they knew the charges were fraudulent or they wouldnt have taken the time to send me a letter asking me about it but now that Im making a complaint about those charges, they refuse to return the money I dont see how this makes any logical sense whatsoever And I am tired of being bullied and pushed around by this bank. I called to escalate the situation even further after I see the claim was denied I was told by the lady that she was going to send my file to the executive office who would do a more thorough investigation and before I could even get the confirmation number the call disconnected and hung up on me. I called back. Wells Fargo always answers the phone this time. When I call back, I sat on hold for over an hour And no one ever answered the call. It was just an automated system telling me that they would be with me as soon as possible which leads me to believe they were just avoiding having to deal with me I want my funds returned, and I want this to be made, right And if they do not do that, I think legal action needs to be taken against them because this is just wrong. No one should have to go through this and if they do have to go through this, the bank should have their back not try to get out of doing what maybe is considered an inconvenience for them its not inconvenience for me. Its an inconvenience that Im out {$5000.00} that I used to live on hard earned money that I saved and that was spent erratically by someone other than myself without my permission completely against my will. I would like to know why I was not even given a day to submit evidence confirming my allegations towards this individual and the charges that were made how is it that at XXXX XXXX my claim is denied, and I had just been spoken to the day before at XXXX XXXX, I dont think they gave it a second thought they just immediately denied it for reasons completely unknown to me. I want something done about this and I want it to be resolved quickly because Ive been dealing with this for months now and I can not wait any longer to recover my money, I need immediate action if that is not provided, I feel that with the help of the federal trade commission and consumer credit agency legal action should be taken this company to help me recover my money! I see that I am being asked to provide my account number however that account has since been closed. I believe the last 4 on the acct was either XXXX or XXXX I really can not remember but they should very easily be able to find my case since I did provide my case number!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This morning ( Thursday XX/XX/2023 ), I received an email from Wells Fargo stating my account balance in my checking account reached XXXX dollars. I logged onto my banking app and saw that two charges were on my account that were fraudulent. Both are purchases from " XXXX '' which I have not heard of before. One charge was for {$420.00}, the other for {$440.00}. I immediately called Wells Fargo to report the fraudulent charges. I was told that a new debit card would be mailed to me and an investigation would launch. I asked if I would be refunded the amount originally in my checking account as both these charges are still " pending '' according to my banking app ( still pending as of XXXX the same day, 10 hours after I called them ). The Wells Fargo representative told me she could not guarantee the money would be refunded and I would have to wait until the investigation was completed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I went to my Wells Fargo online small business account on XX/XX/2023. It verified an available balance of only {$13.00} so I transferred {$150.00} from my Wells Fargo personal account THAT SAME DAY, making the Small Business account available balance {$160.00}. The next day, XX/XX/2023 my online account showed my check # XXXX in the amount of {$57.00} posted to my account. However, my {$150.00} transfer from my Wells Fargo personal account still had not credited, even though it was an electronic transfer from a personal account to a small business account, both within Wells Fargo bank. My {$150.00} deposit to my small business account being from one Wells Fargo account to another being an inter-bank electronic transaction, my {$150.00} deposit should have credited immediately, as it more that covered the {$57.00} check, therefore eliminating the charge of the {$35.00} for an over-draft situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have traveled down to XXXX for a month long vacation and immediately upon landing we got in a taxi cab that stole my card information and charged an additional {$200.00} on my account. We did not catch this for a day. Then, at a pharmacy, we were charged an additional {$75.00} then we were told the cost was ( {$35.00} ). We found out later this is a common scam. Once we noticed this ( first the taxi charge was noticed ) I IMMEDIATELY called the bank and had my business card closed down and filed a fraud claim. There was the additional pharmacy charge that was not caught during this call. Its possible there are two other fraud charged that were made with my card before we were able to catch it and shut the card down. They have declined my fraud claim despite my card being shut down and account being claimed. They took the money out of my account yesterday with no claim denial email. I know its not a high amount of money, but the fact is that I now feel like Wells Fargo doesn't empathize with fraud victim claims. My business account was violated, money was taken from it and the bank acted like the claim itself was fraudulent. I did file an additional complaint with them this morning with no response as of now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
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: There was a purchase that showed up on my Wells Fargo account for {$290.00} that was not made by me or anyone else in my household. The card has always been with me and sparingly used. I tried multiple times to have this charge removed and wells Fargo keeps saying that it was definitely used at the store. The number and chip data were breached somehow and the purchase made. I know that this can be done. I am an honest XXXX XXXX XXXX person with great credit and just want this fraudulent charge removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: on XX/XX/XXXX I got a letter telling me they sold my load to XXXX XXXX. I am trying to find out what going on and only thing they telling me that they just getting out the mortgage business. So I call around and find out that they are in a lawsuit. Well Fargo Owes Customers more than {$2.00} Billion. I did not know that Well Fargo entered into an agreement with the CFPB just before XXXX of XXXX. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to the victims relief fund as part of the civil penalty. I feel I am part of this because for years I been asking question about why my mortgage yearly keep going up {$100.00} plus a year for more than XXXX years. Still no one have giving me an answer on why it more what I was told. I've been with Well Fargo for over 10-15 years and Now seeing paper work telling me they modifying my mortgage and changing my rate from a fixed to a adjustable rate. Never let me know or inform me of that...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A