Date Received: 2024-03-09
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: This is a continuation of complaint XXXX To whom it may concern, We attempted to appeal Wells Fargo XXXX decision on Saturday XX/XX/year> by dialing the number specifically provided for the appeal at XXXX wherein we were transferred around multiple times and then advised that there is no one to speak to on XXXX. The response provided by Wells Fargo in writing provided the number previously listed advising hours of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX We called at XXXX XXXX We want to appeal the decision again asserting all of our debt originated with Wells Fargo including an unsecured XXXX that we have been paying and at no time did this organization advise that we should pay our XXXX before paying the unsecured credit card. We as consumers are relying on this company to guide us in the right direction specifically as it relates to our debt obligations and priorities in paying. Again, we have been making an approximate payment of {$350.00} per month while falling further and further behind on our secured debt. We have a Wells Fargo XXXX mortgage that was sold after being modified to XXXX years wherein a negligible amount of the payment goes towards the principle, a Wells Fargo XXXX that we are over {$7000.00} behind in payments and Wells Fargo XXXX. We do not understand how or why a company that already has a vested interest in all the Risk of our debt are unwilling to put us in a better financial position by refinancing all of our Wells Fargo debt into XXXX monthly payment with a XXXX year mortgage. We have sufficient equity in our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX. I went to business/wellsfargo making a deposit on XXXXXXXX XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX of XXXX I had requested that Wells Fargo provide me online access to my account as well as set up the option that when transactions are made I get a text the banker told me she would do it and never did Sometime in XXXX Wells Fargo changed my address on file without my permission as well as updated my phone number and my mailing address. On XX/XX/XXXX I found out that there was about XXXX missing from my bank account when I called Wells Fargo I opened a claim for some of the transactions I still wasnt able to get online to see my transactions and I havent got a statement from the bank at this time I requested that I get a print out of all my transactions so I can see what was going on Wells Fargo denied my claim saying that I made the transitions when I didnt authorize the transactions On XX/XX/XXXX I got my print out of all my statement and I find them more transitions opening another claim however they are saying that I made the transactions using my XXXX XXXX i spent 4 hours on the phone with XXXX trying to figure out what was going on and how these transactions were made XXXX XXXX me that my XXXX XXXX didnt make the transactions and they were not able to see a record of them I called Wells Fargo back and told then that happened and they told me the claim was denied I am completely frustrated with Wells Fargo because they have denied me access to my account they have allowed somome to take my money and they have also done everything that they could to let somome take my money without me knowing and I am hoping that Wells Fargo is able to give me back my money if not I am and will be moving forward with hiring a lawyer and will have to get my money back that way because Im not just going to let Wells Fargo take about XXXX from me and say theres nothing more they can do about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Subject : A {$1000.00} withdrawal that I knowing did not make. ; Reference The second phone call with Wells Fargo with XXXX XXXX and XXXX, the Wells Fargo investigator, XX/XX/XXXX On XX/XX/XXXX, I went to the Wells Fargo ( WF ) Branch, office, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX, to deposit {$1000.00} in {$20.00} bills at one of the outside ATMs. All the ATMs are located outside next to each other in row. The ATM accepted 30 bills and rejected 20 bills. After the {$600.00} deposit, I have a paper receipt showing the {$600.00} deposit at XXXX tried to deposit the remaining {$400.00}, but the ATM rejected my debit card. Taking my debit card I went inside to deposit {$400.00} left which took about 7 minutes.The teller told me the ATM would only accept 30 items. IThe next morning I looked at my WF account on my I phone and saw the online receipt for the {$400.00} deposit at XXXX XXXX, and an online withdrawal receipt for {$1000.00} at XXXX XXXX. I.am respectively requesting documentation of the phone call and what the conclusions were by Wells Fargo of the following items. 1. Verbally, what I understood was that the camera ATM records were reviewed and nothing was observed. What did that mean?. Was i recorded taking the money? There are 3 ATMs at that location, I used the extreme left ATM, nearer the street..Was that the ATM camera reviewed or is there only one camera for all 3 ATMs? 2. The Wells Fargo letter of XX/XX/XXXX, states a {$1000.00} withdraw was made at XX/XX/XXXX, XXXX XXXX. My {$600.00} deposit was made at XXXX. Wells Fargo started that time stamp was not important. Why not?. 3, Request that the camera records be reviewed for 65 minutes, starting at XXXX XXXX to see if anyone else picked up any dispensed money.. I can potentially claim stolen property funds on my tax return Thanks you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account got hit with a bunch of over charges at once and they hit me with like XXXX over draft fees each time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be XXXX out with the document case law and the matter of Fact presented. on the record
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Received letter dated XX/XX/XXXX from Wells Fargo Customer Care in XXXX, OR. Letter told me their records indicated I was enrolled in ACCIDENTAL DEATH product from XX/XX/XXXX - XX/XX/XXXX. If I did not authorize this enrollment I was to call them at XXXX so that they could Care for any impact the enrollment may have caused. I called the above number and, after giving my name and some numbers on the letter ( SHRP #, Membership #, Reference # ). They were not able to answer my questions and transferred me to another person which I waited on hold for nearly 5 minutes only to be told that they were not able to provide me with the information I had requested as they were contracted by Wells Fargo and didnt have access. They would forward my request and I should be receiving a letter in the mail from Wells Fargo regarding the matter. I then looked up information about Wells Fargo and learned that they had sent these letters to many people and others had had the same experience as I did when they phoned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/year>, I received my final check # XXXX from XXXX XXXX XXXX XXXX in the amount of {$4300.00}. On XX/XX/XXXX, I deposited the check at the ATM machine at the XXXX Nevada Branch of Wells Fargo Bank. On XX/XX/XXXX, I received an email stating the check was returned to Wells Fargo Bank and the reason was refer to maker. I also received a call from Wells Fargo Bank Fraud prevention, stating that this check, along with not being endorsed, had been altered. The lady I spoke to put me on hold, verified the check was good and deposited the funds into my account. The amount was now showing in my balance. On XX/XX/XXXX, I went in person to the XXXX Branch of Wells Fargo Bank to find out what was going on, and was informed that due to this check, my deposit availability was suspended, and my account was set to be closed on XX/XX/year>. Furthermore, I was going to be labeled a high risk for something that had nothing to do with me. I then withdrew all the available funds out of my closing account. Im told they were following their policies to close my account. According to the branch, I will have to move all my accounts to another financial institution. I have been banking with this Wells Fargo Branch for nearly XXXX years. I have never had any major issues. I am very disappointed with the level of decorum used with us considering the banking relationship that we thought we had with Wells Fargo Bank. To put this kind of hardship on myself and my family is unimaginable, not to mention the financial disruption, and embarrassment this has caused us. It has been a huge inconvenience! It feels as though we are being discriminated against by Wells Fargo Bank for this incident that was not even our fault, but the fault of my ex-employer. This type of situation brought upon us by Wells Fargo Bank not only forces us to seek a different financial institution, but also re-initiates our " length of banking history. Im afraid it will deeply impact our ability to take out a new business loan with a new financial institution, that we would have taken out with Wells Fargo Bank ( as we had a long-term relationship with this financial institution. ) I am also told ( and I pray that this is not true ) that this action taken by Wells Fargo Bank may also affect any accounts that we may open in the future. I also pray that this action does not affect our reputation in the small town that we live and work in, and will soon be opening a business in. In closing, I would like to ask Wells Fargo Bank for a specific written response as to why exactually this check was declined, and for what specific reason. The emailed letter was very generic. I would also like a follow-up from The Consumer Financial Protection Bureau as to the resolution to this matter, and its correspondence with Wells Fargo Bank .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: on XX/XX/XXXX, I am trying to use my credit card rewarding points to book a flight from XXXX to XXXX XXXX I saw in XXXX credit card App has a rewarding flight on XXXX with XXXX points, then they asked me to transfer points to get that ticket, then I transfered all my points to XXXX XXXX XXXX XXXX, then I am not able to find the flight as I see from the app, now I lost all my points as they said the points can not be reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2024, somebody impersonating a police officer stole money from my account, using XXXX to wire it to a person impersonating " XXXX XXXX XXXX XXXX XXXX '' One transaction was {$1000.00} and the other was {$1500.00}. This was somebody IMPERSONATING the account, which is a felony and has been reported to law enforcement. The supposed " XXXX XXXX XXXX '' account was CONFIRMED TO BE FRAUDULENT. The claims department at Wells Fargo has been gaslighting me, claiming it was the " XXXX XXXX XXXX '' despite overwhelming evidence to the contrary. Wells Fargo has been gaslighting me further, claiming the transaction was " authorized '' and are refusing to explain why they are not refunding the {$2500.00} that was stolen from my account. They are also gaslighting me in stating " You never lost {$2500.00}. I see a transaction of {$1000.00} to the XXXXXXXX XXXX XXXX XXXX [ fraudulent ] and {$1500.00} to the XXXX XXXX XXXX XXXX [ fraudulent ] ''. XXXX. Additionally, they deliberately combined two separate claims into one, thus trying to find a loophole that would prevent them from refunding my money. These thieves have taken everything from me and Wells Fargo is gaslighting me. They are mistreating somebody who comes from poverty and lives hand-to-mouth. I have been fighting this for months now. Please escalate this to whoever is deciding not to refund the UNAUTHORIZED withdrawals of {$1000.00} and {$1500.00} from my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A