Date Received: 2023-11-22
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I was put into forbearance due to hardship loss of job during covid and also illness - I was told that the payments would be put at the back of the loan at the end of the forbearance and now they are demanding the TOTAL amount at once or they want me to do a short sale or a foreclosure If I was dealing w a hardship how would I miraculously come up w 12 months of payments if I wasn't working in the first place? This feels like a scam
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Feeling a settlement on well fargo thay took money in close my account for no reason between XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27886
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Wrongful repo on vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a very large customer of XXXX, as I swing/day trade habitually and I utilized their service for about XXXX years. I have trusted their service with a total USD cycle volume of around XXXX XXXX ; My cryptocurrency trading volume was well into a XXXX USD ( according to listed market prices ; the true XXXX prices would have sent my volume well over a XXXX USD ). There were several instances where I had over $ XXXX worth of assets stuck on their platform. MANY situations where every minute counted during extremely volatile market conditions ; as these securities were worth fractions of a XXXX per asset and I was holding millions at a time ; as this is my trading style. Time and time again I contacted XXXX support only to be stuck in a constant loop of automated support bots. Some situations the platform would just say order failed, or connection error. Other times it would randomly ask for me to verify my identity with a physical copy of my drivers license with a handwritten note showing the date. Even after I proved my identity, XXXX would make me wait until the documents were approved to gain back access to my assets and cash out. Please note that these issues conveniently occurred only during times where I had more than doubled my investment and was attempting to capitalize. This prevented me from managing my positions and funds ; thus they were not complying by our user agreement. However, I still remained profitable, so I stuck around and contacted support as needed and documented issues. During a later date, XX/XX/XXXX, XXXX posted an alert of a trading suspension for the security that I was heavily invested in. This of course not only prevented me from selling and managing my position, but also impacted price action significantly ; as this was an asset that was listed on a limited number of accessible exchanges. The alert noted XXXX be suspended on XX/XX/XXXX. Your ability to store, send, and receivewill not be impacted. Note that the ability to store, send, and receive would not be impacted ; however, my ability to purchase, sell, and withdraw my USD was 100 % revoked. Upon reviewing the transactions on my bank account from the last deposit from XXXX ( capturing all of the money that I honestly sent XXXX for this trade, and not including those which were associated with previous trades or withdrawals. ) This totaled to about {$7100.00} starting from XX/XX/XXXX - XX/XX/XXXX over XXXX transactions. Upon attempting to open a dispute online, I was unable to do so. I called XXXX XXXX dispute center and they stated that they would need to initiate the claim for me. Upon answering the questions asked and identifying the 17 transactions, I received a confirmation number for my claim and was notified that if a resolution could not be reached within 10 business days, a provisional credit for the disputed amount would be credited to my account. I called Wells Fargo multiple times following the allotted 10 business days, as I had not received the provisional credit. The updates received were not consistent at all. I was notified that it was closed by one representative, still pending by another, etc. I eventually received the provisional credit after multiple inquiries. However, on XX/XX/XXXX I received an email that my college credit card limit had been increased to XXXX XXXX from XXXX XXXX. On XX/XX/XXXX I received an alert that my debit card was declined. Upon checking my bank account balance, Wells Fargo had overdrafted my checking account {$4000.00}, in addition to maxing out my credit card cash advance to a credit balance of {$4900.00}. This put my total bank account to a negative account balance of around {$9000.00}. As I was XXXX at the time and independent, I had to resort to private loans to pay off the checking account negative balance to be able to pay my bills. The cash advance on the credit card had to wait, which lead to additional interest charges as well as cash advance fees. Upon calling Wells Fargo in an attempt to clear things up, after several conversations, I was notified that my claim was denied due to not receiving info requested on my behalf. It was discovered that they had been sending paper mail ( even though I selected paperless updates ) to my parents address. I formally changed my address and updated my contact information BOTH over the phone as well as online. I was told that the second dispute would be reopened and that the forms would be sent to my new updated address. The forms were again sent to my parents address. After calling wells fargo again and still receiving XXXX support and valid information, I eventually received an email update on XX/XX/XXXX, stating that my dispute was rejected as it was not submitted within the allotted time period from the debited transaction. The email then states that my claim was opened XX/XX/XXXX to dispute transactions debited FROM XX/XX/XXXX- XX/XX/XXXX. They also stated that after conducting their investigation on XX/XX/XXXX ( 4 months after my initial claim that was neglected ), they found that the transactions were authorized by me on the same date and that a letter was sent to my address on file detailing the decision to decline my request for reimbursement. My address on file had since been updated multiple times, and these forms were still sent to the wrong address. Upon reviewing the forms, the survey questions in the dispute were COMPLETELY wrong. Opposite to those in which I answered. Have you contacted the merchant? I answered YES. Of course I had contacted the merchant. Several times, as this was XXXX XXXX AND XXXX XXXX DOLLARS The survey documented by the Wells Fargo representative during the SECOND dispute states that I did not contact the merchant. It also states that I did not return the merchandise, which was false. I responded to the email with dated DOCUMENTATION proving that every conclusion made in the fraudulent investigation conducted was false. I requested that this documentation be shared with his supervisor. I reminded him that I had been waiting since May when initially submitting my original claim immediately after realizing my funds had been stolen from me. Their email stated We take our responsibility to safeguard the funds of customers seriously and we take many measures to prevent FRAUD and unauthorized activity My funds were not safeguarded, and were stolen. The transactions were NOT authorized ; as I did not receive the service nor SECURITIES in which I authorized to purchase with my funds. On XX/XX/XXXX I received an email notifying me that my Wells Fargo contact information had been updated, and listed an updated phone number that was NOT mine and which I do NOT recognize. I did not catch this detail until just now after reviewing past documentation. I later had major vehicle issues and went to purchase a used vehicle from XXXX XXXX. I had a credit score of XXXX and was given an interest rate quoted at 6.9 % without a cosigner from Wells Fargo XXXX with a down payment of XXXX XXXX. This was unacceptably aggressive, however, I am independent and the truck market was limited at the time of need. The situation was a bit sketchy and I never received my spare key. My truck 's odometer then continued to move extremely fast ; as if it was not calibrated correctly. I supposedly drove XXXX miles in roughly 8 months. My odometer now reads a lot slower than before since having the vehicle serviced. I noticed my credit score took a significant hit of XXXX points and upon further review, XXXX XXXX had like XXXX different lenders run a hard credit check on my account. This is unacceptable ; as I had a credit score of XXXX and a credit card limit XXXX Wells Fargo of {$6000.00}. If my credit ran XXXX different times, why did I get baited into an interest rate of 6.9 % WITH a {$7000.00} down payment. My credit score is now down XXXX points and differs significantly from what Wells Fargo displays in my bank account. Additionally, multiple issues have occurred with my credit card which is difficult to audit, however, Wells Fargo often prevents me from disputing transactions online. Additionally, my Wells Fargo brokerage account has been fraudulently swapped for another account with blank trading history with XXXX record of my securities purchased ; conveniently including XXXX. XXXX has also conveniently deleted all of my trading history and swapped my trading history with a fraudulent account which is not mine. There has been MULTIPLE incidence where Wells Fargo, XXXX, and XXXX My privacy has been breached multiple times and my money has been stolen by multiple parties. Documents on both my personal cell phone as well as computer, and other electronic forms of storage have been deleted WITHOUT my permission or me deleting them. This is not only mentally, physically, and financially exhausting, but is also the textbook example of criminal racketeering, under the Organized Crime Control Act of 1970.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a very large customer of XXXX, as I swing/day trade habitually and I utilized their service for about XXXX years. I have trusted their service with a total USD cycle volume of around XXXX XXXX ; My cryptocurrency trading volume was well into a XXXX USD ( according to listed market prices ; the true crypto prices would have sent my volume well over a XXXX USD ). There were several instances where I had over $ XXXX worth of assets stuck on their platform. MANY situations where every minute counted during extremely volatile market conditions ; as these securities were worth fractions of a penny per asset and I was holding millions at a time ; as this is my trading style. Time and time again I contacted XXXX support only to be stuck in a constant loop of automated support bots. Some situations the platform would just say order failed, or connection error. Other times it would randomly ask for me to verify my identity with a physical copy of my drivers license with a handwritten note showing the date. Even after I proved my identity, XXXX would make me wait until the documents were approved to gain back access to my assets and cash out. Please note that these issues conveniently occurred only during times where I had more than doubled my investment and was attempting to capitalize. This prevented me from managing my positions and funds ; thus they were not complying by our user agreement. However, I still remained profitable, so I stuck around and contacted support as needed and documented issues. During a later date, XX/XX/XXXX, XXXX posted an alert of a trading suspension for the security that I was heavily invested in. This of course not only prevented me from selling and managing my position, but also impacted price action significantly ; as this was an asset that was listed on a limited number of accessible exchanges. The alert noted Tradingwill be suspended on XX/XX/XXXX. Your ability to store, send, and receivewill not be impacted. Note that the ability to store, send, and receive would not be impacted ; however, my ability to purchase, sell, and withdraw my USD was 100 % revoked. Upon reviewing the transactions on my bank account from the last deposit from coinbase ( capturing all of the money that I honestly sent coinbase for this trade, and not including those which were associated with previous trades or withdrawals. ) This totaled to about {$7100.00} starting from XX/XX/XXXX - XX/XX/XXXX over XXXX transactions. Upon attempting to open a dispute online, I was unable to do so. I called Wells Fargos dispute center and they stated that they would need to initiate the claim for me. Upon answering the questions asked and identifying the 17 transactions, I received a confirmation number for my claim and was notified that if a resolution could not be reached within 10 business days, a provisional credit for the disputed amount would be credited to my account. I called Wells Fargo multiple times following th e allotted 10 business days, as I had not received the provisional credit. The updates received were not consistent at all. I was notified that it was closed by one representative, still pending by another, etc. I eventually received the provisional credit after multiple inquiries. However, on XX/XX/XXXX I received an email that my college credit card limit had been increased to XXXX XXXX from XXXX XXXX. On XX/XX/XXXX I received an alert that my debit card was declined. Upon checking my bank account balance, Wells Fargo had overdrafted my checking account {$4000.00}, in addition to maxing out my credit card cash advance to a credit balance of {$4900.00}. This put my total bank account to a negative account balance of around {$9000.00}. As I was XXXX at the time and independent, I had to resort to private loans to pay off the checking account negative balance to be able to pay my bills. The cash advance on the credit card had to wait, which lead to additional interest charges as well as cash advance fees. Upon calling Wells Fargo in an attempt to clear things up, after several conversations, I was notified that my claim was denied due to not receiving info requested on my behalf. It was discovered that they had been sending paper mail ( even though I selected paperless updates ) to my parents address. I formally changed my address and updated my contact information BOTH over the phone as well as online. I was told that the second dispute would be reopened and that the forms would be sent to my new updated address. The forms were again sent to my parents address. After calling wells fargo again and still receiving zero support and valid information, I eventually received an email update on XX/XX/XXXX, stating that my dispute was rejected as it was not submitted within the allotted time period from the debited transaction. The email then states that my claim was opened XX/XX/XXXX to dispute transactions debited FROM XX/XX/XXXX- XX/XX/XXXX. They also stated that after conducting their investigation on XX/XX/XXXX ( 4 months after my initial claim that was neglected ), they found that the transactions were authorized by me on the same date and that a letter was sent to my address on file detailing the decision to decline my request for reimbursement. My address on file had since been updated multiple times, and these forms were still sent to the wrong address. Upon reviewing the forms, the survey questions in the dispute were COMPLETELY wrong. Opposite to those in which I answered. Have you contacted the merchant? I answered YES. Of course I had contacted the merchant. Several times, as this was XXXX XXXX XXXX XXXX XXXX DOLLARS The survey documented by the Wells Fargo representative during the SECOND dispute states that I did not contact the merchant. It also states that I did not return the merchandise, which was false. I responded to the email with dated DOCUMENTATION proving that every conclusion made in the fraudulent investigation conducted was false. I requested that this documentation be shared with his supervisor. I reminded him that I had been waiting since XXXX when initially submitting my original claim immediately after realizing my funds had been stolen from me. Their email stated We take our responsibility to safeguard the funds of customers seriously and we take many measures to prevent FRAUD and unauthorized activity My funds were not safeguarded, and were stolen. The transactions were NOT authorized ; as I did not receive the service nor SECURITIES in which I authorized to purchase with my funds. On XX/XX/XXXX I received an email notifying me that my Wells Fargo contact information had been updated, and listed an updated phone number that was NOT mine and which I do NOT recognize. I did not catch this detail until just now after reviewing past documentation. I later had major vehicle issues and went to purchase a used vehicle from XXXX XXXX. I had a credit score of XXXX and was given an interest rate quoted at 6.9 % without a cosigner from Wells Fargo XXXX with a down payment of XXXX XXXX. This was unacceptably aggressive, however, I am independent and the truck market was limited at the time of need. The situation was a bit sketchy and I never received my spare key. My truck 's odometer then continued to move extremely fast ; as if it was not calibrated correctly. I supposedly drove XXXX miles in roughly 8 months. My odometer now reads a lot slower than before since having the vehicle serviced. I noticed my credit score took a significant hit of XXXX points and upon further review, XXXX XXXX had like XXXX different lenders run a hard credit check on my account. This is unacceptable ; as I had a credit score of XXXX and a credit card limit THROUGH Wells Fargo of {$6000.00}. If my credit ran XXXX different times, why did I get baited into an interest rate of 6.9 % WITH a {$7000.00} down payment. My credit score is now down XXXX points and differs significantly from what Wells Fargo displays in my bank account. Additionally, multiple issues have occurred with my credit card which is difficult to audit, however, Wells Fargo often prevents me from disputing transactions online. Additionally, my Wells Fargo brokerage account has been fraudulently swapped for another account with blank trading history with zero record of my securities purchased ; conveniently including XXXX. XXXX has also conveniently deleted all of my trading history and swapped my trading history with a fraudulent account which is not mine. There has been MULTIPLE incidence where Wells Fargo, XXXX, and XXXX My privacy has been breached multiple times and my money has been stolen by multiple parties. Documents on both my personal cell phone as well as computer, and other electronic forms of storage have been deleted WITHOUT my permission or me deleting them. This is not only mentally, physically, and financially exhausting, but is also the textbook example of criminal racketeering, under the Organized Crime Control Act of 1970.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a very large customer of XXXX, as I swing/day trade habitually and I utilized their service for about XXXX years. I have trusted their service with a total USD cycle volume of around XXXX XXXX ; My cryptocurrency trading volume was well into a XXXX USD ( according to listed market prices ; the true XXXX prices would have sent my volume well over a XXXX USD ). There were several instances where I had over XXXX XXXX worth of assets stuck on their platform. MANY situations where every minute counted during extremely volatile market conditions ; as these securities were worth fractions of a XXXX per asset and I was holding millions at a time ; as this is my trading style. Time and time again I contacted XXXX support only to be stuck in a constant loop of automated support bots. Some situations the platform would just say order failed, or connection error. Other times it would randomly ask for me to verify my identity with a physical copy of my drivers license with a handwritten note showing the date. Even after I proved my identity, XXXX would make me wait until the documents were approved to gain back access to my assets and cash out. Please note that these issues conveniently occurred only during times where I had more than doubled my investment and was attempting to capitalize. This prevented me from managing my positions and funds ; thus they were not complying by our user agreement. However, I still remained profitable, so I stuck around and contacted support as needed and documented issues. During a later date, XX/XX/XXXX, XXXX posted an alert of a trading suspension for the security that I was heavily invested in. This of course not only prevented me from selling and managing my position, but also impacted price action significantly ; as this was an asset that was listed on a limited number of accessible exchanges. The alert noted XXXX be suspended on XX/XX/XXXX. Your ability to store, send, and receivewill not be impacted. Note that the ability to store, send, and receive would not be impacted ; however, my ability to purchase, sell, and withdraw my USD was 100 % revoked. Upon reviewing the transactions on my bank account from the last deposit from XXXX ( capturing all of the money that I honestly sent XXXX for this trade, and not including those which were associated with previous trades or withdrawals. ) This totaled to about {$7100.00} starting from XX/XX/XXXX - XX/XX/XXXX over XXXX transactions. Upon attempting to open a dispute online, I was unable to do so. I called XXXX XXXX dispute center and they stated that they would need to initiate the claim for me. Upon answering the questions asked and identifying the XXXX transactions, I received a confirmation number for my claim and was notified that if a resolution could not be reached within XXXX business days, a provisional credit for the disputed amount would be credited to my account. I called Wells Fargo XXXX XXXX following the allotted XXXX business days, as I had not received the provisional credit. The updates received were not consistent at all. I was notified that it was closed by XXXX representative, still pending by another, etc. I eventually received the provisional credit after multiple inquiries. However, on XX/XX/XXXX I received an email that my college credit card limit had been increased to XXXX XXXX from XXXX XXXX. On XX/XX/XXXX I received an alert that my debit card was declined. Upon checking my bank account balance, Wells Fargo had overdrafted my checking account {$4000.00}, in addition to maxing out my credit card cash advance to a credit balance of {$4900.00}. This put my total bank account to a negative account balance of around {$9000.00}. As I was XXXX at the time and independent, I had to resort to private loans to pay off the checking account negative balance to be able to pay my bills. The cash advance on the credit card had to wait, which lead to additional interest charges as well as cash advance fees. Upon calling Wells Fargo in an attempt to clear things up, after several conversations, I was notified that my claim was denied due to not receiving info requested on my behalf. It was discovered that they had been sending paper mail ( even though I selected paperless updates ) to my parents address. I formally changed my address and updated my contact information BOTH over the phone as well as online. I was told that the second dispute would be reopened and that the forms would be sent to my new updated address. The forms were again sent to my parents address. After calling wells fargo again and still receiving XXXX support and valid information, I eventually received an email update on XX/XX/XXXX, stating that my dispute was rejected as it was not submitted within the allotted time period from the debited transaction. The email then states that my claim was opened XX/XX/XXXX to dispute transactions debited FROM XX/XX/XXXX- XX/XX/XXXX. They also stated that after conducting their investigation on XX/XX/XXXX ( 4 months after my initial claim that was neglected ), they found that the transactions were authorized by me on the same date and that a letter was sent to my address on file detailing the decision to decline my request for reimbursement. My address on file had since been updated multiple times, and these forms were still sent to the wrong address. Upon reviewing the forms, the survey questions in the dispute were COMPLETELY wrong. Opposite to those in which I answered. Have you contacted the merchant? I answered YES. Of course I had contacted the merchant. Several times, as this was XXXX XXXX AND XXXX XXXX DOLLARS The survey documented by the Wells Fargo representative during the SECOND dispute states that I did not contact the merchant. It also states that I did not return the merchandise, which was false. I responded to the email with dated DOCUMENTATION proving that every conclusion made in the fraudulent investigation conducted was false. I requested that this documentation be shared with his supervisor. I reminded him that I had been waiting since May when initially submitting my original claim immediately after realizing my funds had been stolen from me. Their email stated We take our responsibility to safeguard the funds of customers seriously and we take many measures to prevent FRAUD and unauthorized activity My funds were not safeguarded, and were stolen. The transactions were NOT authorized ; as I did not receive the service nor SECURITIES in which I authorized to purchase with my funds. On XX/XX/XXXX I received an email notifying me that my Wells Fargo contact information had been updated, and listed an updated phone number that was NOT mine and which I do NOT recognize. I did not catch this detail until just now after reviewing past documentation. I later had major vehicle issues and went to purchase a used vehicle from XXXX XXXX. I had a credit score of XXXX and was given an interest rate quoted at 6.9 % without a cosigner from Wells Fargo XXXX with a down payment of XXXX XXXX. This was unacceptably aggressive, however, I am independent and the truck market was limited at the time of need. The situation was a bit sketchy and I never received my spare key. My truck 's odometer then continued to move extremely fast ; as if it was not calibrated correctly. I supposedly drove XXXX miles in roughly 8 months. My odometer now reads a lot slower than before since having the vehicle serviced. I noticed my XXXX XXXX took a significant hit of XXXX points and upon further review, XXXX XXXX had like XXXX different lenders run a hard credit check on my account. This is unacceptable ; as I had a credit score of XXXX and a credit card limit THROUGH Wells Fargo of {$6000.00}. If my credit ran XXXX different times, why did I get baited into an interest rate of 6.9 % WITH a {$7000.00} down payment. My credit score is now down XXXX points and differs significantly from what Wells Fargo displays in my bank account. Additionally, multiple issues have occurred with my credit card which is difficult to audit, however, Wells Fargo often prevents me from disputing transactions online. Additionally, my Wells Fargo brokerage account has been fraudulently swapped for another account with blank trading history with XXXX record of my securities purchased ; conveniently including XXXX. XXXX has also conveniently deleted all of my trading history and swapped my trading history with a fraudulent account which is not mine. There has been MULTIPLE incidence where Wells Fargo, XXXX, and XXXX My privacy has been breached multiple times and my money has been stolen by multiple parties. Documents on both my personal cell phone as well as computer, and other electronic forms of storage have been deleted WITHOUT my permission or me deleting them. This is not only mentally, physically, and financially exhausting, but is also the textbook example of criminal racketeering, under the Organized Crime Control Act of 1970.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went to the ATM at Wells Fargo Bank to make a withdrawal. When I tried to make the transaction I found I didn't have the money I thought. So I tried to make an overdraft which was approved but I didn't get the money. As a result of this I was charged for overdraft and the money that I didn't receive. In XXXX ( XXXX and XXXX ) I was charged with the same amount but I didn't even attempt to do an overdraft. So that was {$500.00} plus NSF charges three times ( NSF charges of XXXX dollars a pop ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I ordered a copy of my credit reports and discovered an account from Wells Fargo. I have never had or applied for a Wells Fargo credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: The crime occurred somewhere online or either someone had stolen my personal info out of my wallet or back pack or in my mail from moving homes. I'm not sure and I do not know. but I do know is that I have countless transactions and charges on my card and bank account. That were not approved by me. I had filed to reports with my bank and requested what do I need to get this resolved I have never been a situation like this in my life. My bank has locked me out of my own online account to where I can not even view the information I need. along with why my submittals had been denied they can not provide me with information I need. they told me to wait. keep my account open because I can not view the info I need if I close the account. mean while this person has been using my personal info to open accounts move money over to some random account they have open loans in my name liquated the fund in my account and ruin my credit in the proceeds. While im getting behind and struggling to pay my bills. This has has been a domino effect that has just made everything in my life horrible. I do not even know the total amount lost from with the countless fraudulent transactions and loans but what is most alarming is how this person was able to get all the money. open two loans all under the radar without me ever signing anything or seeing anyone how these accounts got opened in my name one from Wells Fargo and the other from XXXX XXXX, then my bank is claiming I created these accounts when I had no clue. I was unaware until i looked closer at my statements I did not know someone was moving money from my account and set up payments for the loans how someone has stolen my identity and was successful at getting these loans taking the money out from my account and ruining my credit is truly mind boggling. Along with that I have been gettin harassment calls threats and and text from random numbers and people. Which has now put a toll on the relationship of the girl Im living with if I get kicked out I can not get approved to live any where with my credit ruing from all the unapproved charges transactions and loans. Its bad enough that she now thinks I'm cheating XXXX from these random number and pictures of girls claiming to know me from these malicious spam like texts and calls. As well as Wondering why my credit had been ruined when it was so good before. This experience had been a defamation of my character I cant explain the pain suffering this has created in life I havent been able to think straight since all of this has happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A