Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account is paid in full and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I am once again filing a complaint against Wells Fargo, regarding the settlement with you, the CFPB in XXXX XXXX I have previously filed a complaint here, based on the facts that I feel I should qualify for a portion of the settlement, with regard to a Mortgage Modification in XXXX.I have provided documentation, both to the CFPB, and to Wells Fargo directly , which shows where they withheld information and documents from me, in the modification process. Wells Fargo says they don't believe I should be a party to the settlement. When I have repeatedly asked for their reasons, or their matrix on how they are deciding who is a party to the settlement, they refuse to provide, stating that is internal and propriety information. I am asking you, the CFPB, to get involved. This company should not be allowed to simply deny someone's request, and ignore the information, and refuse to pay. If I truly don't qualify, based on some real and documentable basis, I'll drop it. But with the previous deception, and their inability to provide their qualifications, this smells dirty... again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I opened an estate account on behalf of my mother as I am her XXXX. On XX/XX/XXXX I deposited a Wells Fargo check in to this new account at Wells Fargo for {$40000.00}. I asked the teller when these funds would be available, I was told tomorrow and given a receipt that showed the date the funds would be available as XX/XX/XXXX. Based on that information I returned to the bank the next day XX/XX/XXXX and transferred {$12000.00} in to my personal checking account and wrote several checks. On Sunday XX/XX/XXXX I received an email from Wells Fargo stating I had a negative balance. On Tuesday XX/XX/XXXX, 5 days after I made the deposit I received an email from Wells Fargo that my deposit was put on hold due to the amount being over {$5000.00}. They new the amount was over {$5000.00} when I deposited it. I am now at risk of overdraft fees, have possible bounced checks and I had to transfer {$10000.00} from my XXXX XXXX account to try to avoid this. This is not how a bank should operate. I have called several times to discuss and they can not help me or take my funds off hold until their system decides it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was staying at the XXXX XXXX in XXXX XXXX XXXX XXXX on XXXX XXXX. On the evening of the XXXX, my business associates and I were in the lobby bar at around XXXX following a dinner. I started to feel hazy and confused so I headed toward my room, the last thing I remember was a dark haired female accompanying me. This was odd considering I had only had a few drinks that evening, the police think I was XXXX. The next thing I remember was waking up in my own XXXX at around XXXXXXXX XXXX. My phone, laptop, and wallet were missing from my room. I immediately called the police and provided a statement. I then called all credit card companies and Wells Fargo to put a freeze on my accounts. The crooks had already hacked my phone, change my XXXX XXXX, stole my SSN, charged every card in my wallet, sent a XXXX for {$1000.00}, and generated two wire transfers for {$1200.00} and {$5000.00}. The total stolen in that short period of time was {$11000.00}. I spent the rest of the day at the bank ensuring that fraud claims were filed, at XXXX replacing my phone and XXXX XXXX. Then I changing to 2-step authentication for every password I had. Since the theft, I have filed an identity theft affidavit with the police and receive assurance that I will be reimbursed for all fraudulent activity accept for the two wire transfers ( {$1200.00} and {$5000.00} ) from Wells Fargo. They are claiming that wires are different and since my user id and password were not compromised prior to the theft, that I am responsible for this. I don't understand, my phone was stolen and hacked. Funds were stolen, and they are claiming this my responsibility. They paid the {$1000.00} XXXX back under the same circumstances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX RE : Complaint of Maltreatment and Possible Prejudice by Wells Fargo Bank Dear CFPB, I am writing to express my extreme dissatisfaction and concern regarding the mistreatment I have experienced at the hands of Wells Fargo Bank. As a victim of a fraudulent scam, I have been subjected to a series of unjust actions by Wells Fargo that have caused me significant financial hardship and emotional distress. On XX/XX/XXXX, I received a part-time online job offer through a fellow member of the XXXX group XXXX XXXX XXXX XXXX The offer was for a data transcription position that required the use of specialized software. I was instructed to purchase the software from vendors using XXXX, which I believed was a secure and traceable payment method. I received three checks totaling {$950.00} to cover the software purchases. However, upon attempting to purchase the software, I was alerted to the scam by a XXXX employee. I immediately reported the incident to my local Wells Fargo branch, where the manager assured me that the case would be resolved within 10 days. While the fraudulent checks were returned to my account, Wells Fargo proceeded to take the negative balance amount out of my savings account, effectively clearing my debt to the bank. However, they subsequently placed a hold on my credit card, causing numerous bills, including critical medical expenses, to go unpaid. Moreover, Wells Fargo unilaterally decided to close my account and terminate our relationship, leaving me without access to my funds and credit. This decision has had a devastating impact on my personal and professional life, causing me to experience severe financial hardship and emotional distress. I am deeply troubled by Wells Fargo 's actions, which seem to prioritize protecting the bank 's interests over the well-being of its customers. While I understand the need for fraud prevention measures, I believe that Wells Fargo 's response to this situation was disproportionate and unjust. I am particularly concerned about the following : Wells Fargo 's failure to investigate the scam thoroughly and identify the perpetrators. The bank 's decision to place a hold on my credit card and close my account without providing adequate explanation or justification. The lack of empathy and support shown by Wells Fargo representatives throughout this ordeal. In contrast to Wells Fargo 's prompt response to the fraudulent checks, the bank exhibited a concerning delay when I attempted to send a legitimate XXXX transaction to a friend. This inconsistency raises serious questions about the bank 's priorities and its commitment to customer service. I believe that Wells Fargo 's actions have violated my rights as a consumer and have caused me significant financial harm and emotional distress. I am requesting that the CFPB investigate this matter thoroughly and hold Wells Fargo accountable for its wrongdoing. I have attached supporting documentation, including screenshots of my XXXX transactions, correspondence with Wells Fargo representatives, and the FBI claim number for the reported scam. I urge the CFPB to take immediate action to address this issue and ensure that Wells Fargo treats its customers with fairness, respect, and transparency. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello i been with wells fargo since XXXX. I noticed that wells fargo charged me too much interest on my credit card. I been struggling to pay off my credit card.I called the customer service and tried to see if they can lower my interest rate But they couldn't do nothing and this was on XXXX of XXXX when i called them. i needed to do something about this because i was drowning in wells fargo credit card debt. So i had no choice to get on a financial service that they provided me with 1 % interest rate and lower my monthly payments this was the beginning of XXXX XXXXi know i lost a lot of money trying to pay off this credit card for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: So many fees, funds disappearing, I have constantly made calls but representatives can't answer or talks in circles. I'm so frustrated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60160
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: When I filled chapter XXXX, I was sending money to Wells Fargo and they took the money for XXXX to XXXX mths and still took my vehicles
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I signed up for automatic payment on my XXXX XXXX credit card. I received an email confirmation from Wells Fargo that this automatic payment will take effect firstly on XX/XX/2023. On XX/XX/2023 I checked my account and realized that this antomatic payment did not happen, so I made a manual payment which was received by Wells Fargo on XX/XX/2023. The due date for this payment is XX/XX/2023. On XX/XX/2023 Wells Fargo posted an interest charge of {$120.00} on my account. I contacted the bank the same day, and the customer service representative was able to waive {$50.00} of the interest charge. She also informed me that she can not waive the rest of the charge at the time, and created a customer complaint case for me on the same day. On XX/XX/2023 Wells Fargo replied to me regarding the case, saying " we are unable to waive any more than this [ {$50.00} ] on the account ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I submitted a wire transfer request from XXXX to my XXXX XXXX account. Wells Fargo is the intermediary bank. Wells Fargo rejected the transfer. They returned all but {$50.00}. No one at Wells Fargo will assist with the missing {$50.00}. They keep telling me to have XXXX inquire. They will not talk to me. They will not accept any information - wire transfer reference number, account numbers, wire amounts. They refuse to talk about this transaction and have kept my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A