Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I pay my credit cards off really fast - if I make a charge with one, I'll pay it off within a day or two to avoid interest. Recently, I logged into my new-ish wells fargo credit card account and received the message below : " Error : You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. '' This I believe is a duplicitous way to get credit card customers to open a checking account with wells fargo. It should be illegal for companies to limit the number of payments you can make on an account from an outside checking account. As long as the bill is paid, why would they care which account it's coming from? This is horrible and another example of wells fargo being rotten to customers.
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: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: The company involved is Wells Fargo. On XX/XX/2023, my birthday, while I was in a college lecture with XXXX other people, a {$1400.00} cashier 's check was taken out of my checking account at a branch. I filed a claim for this money as I did not take this money out of my account. I was concerned about being able to pay for my college tuition fees next semester. They informed me that they would do a 10 day investigation into the claim. They told me after the 10 days that there was no error found. I called them to dispute the matter further as I am 100 % sure it was not me. They gave me the name of who the check was written out to, XXXX " XXXX XXXX ''. During the time that the check was taken out on the XXXX, the bank XXXX XXXX department called me and informed me that they had caught and blocked an attempted {$400.00} online transaction using my checking account. While I was on the phone, whoever stole my identity was at the bank branch getting the cashier 's check, as they said it happened at XXXX PM, the same time that I was on the phone with the agent. They told me that the device that attempted to make the purchase had an IP address in Texas. I live in California and have never been to Texas. After further researching the name that was written on the cashier 's check, XXXX " XXXX XXXX '', I found an account of a female with that name on XXXX. Her location was listed as " XXXX, TX ''. After trying to further dispute the claim that this was not me after their 10 day investigation, they informed me that the XXXX would give me a call within XXXX business days to explain the closure of the claim. It has been XXXX business days later and I have still received no phone call. I will be dropping this immoral bank, and I suspect them of simply stealing my money as they have been shown to do with customers recently. Customers online have stated they do not trust this institution and they have been terrible at trying to help me get my hard earned money back. I'm XXXX XXXX XXXX, in college full time, and watch my money closely. Please investigate these crooks. People who I have no knowledge of have stolen my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 960XX
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: 2023-11-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Subject : Issue with Missing Welcoming Bonus Rewards Points on XXXX XXXX XXXX XXXX I am writing to report an ongoing issue regarding the missing bonus rewards points on my XXXX XXXX XXXX XXXX The credit card was opened on XX/XX/, under the promotion that I would receive XXXX bonus points if I spent {$3000.00} within the first 3 months. From my perspective, I took active measures to ensure I qualified for the bonus points. Starting from XX/XX/XXXX to XX/XX/, I contacted Wells Fargo and XXXX XXXX multiple times via phone calls and email communication ( with evidence base ). During these interactions, I was consistently informed that I qualified for the XXXX points and that it would take 8-12 weeks for the points to be credited since XX/XX/. To ensure proper documentation, I also sent an email as evidence of our conversations. Despite my efforts, each time I reached out, I was either transferred to different departments or told that I was indeed qualified for the points. I persisted in my attempts to resolve the issue, hoping that the points would be credited. However, on XX/XX/, I decided to visit a physical store location and personally spoke with an agent to seek assistance in filing a case. To my surprise, after a week, I was told that I did not qualify for the points after they investigated my case. I want to emphasize that I spent more than {$3000.00} within the specified timeframe, which should have met the spending requirement to qualify for the bonus points. However, despite my expenditures exceeding the necessary threshold, the company stated that only {$2500.00} qualified for the promotion. However, I would like to emphasize that if I had been notified of my disqualification at the time of my active inquiry, I would have been able to effortlessly complete the required expenses for the promotion. This discrepancy between my actual spending and the amount they deemed eligible raises concerns about their communication and adherence to the terms and conditions of the promotion. It suggests a lack of transparency and clarity regarding how they determine qualified spending. I kindly request your assistance in addressing this matter and resolving the issue of the missing bonus reward points. I believe that the discrepancy lies in the miscommunication and contradictory information provided by Wells Fargo and XXXX XXXX. Thank you for your attention to this matter. Please let me know if any additional information is required to initiate an investigation or provide resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11228
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023, I received an email addressed to me by first and last name at my email address from Wells Fargo that they have received an application for a " Wells Fargo Time Accounts ( CDs ) ( 3 months, 4.50 % Annual Percentage Yield ) ''. I did not apply to open this account. That night I called Wells Fargo customer service and talked to 3 customer service reps including the identity theft team to verify that there is no application for a Wells Fargo account under my Social Security Number. However, over the next week, I continued to receive a series of emails addressed with my name on them about the following topics : " Access your deposit account documents electronically, Your Wells Fargo contact information has been updated, and especially concerning, emails to rate a visit to a Wells Fargo branch on XX/XX/2023 ( which I of course never visited since I am the victim of the identity thief ). I sent these emails to the identity theft / phishing team at Wells Fargo which they is what their customer service rep told me to do. On XX/XX/2023, I called Wells Fargo customer service again to report that I am still continuing to receive multiple emails with my name in them about a Wells Fargo account that I never opened and even visiting Wells Fargo branches, which I did not do. I spoke to the identity theft team at Wells Fargo and they said that there are no accounts at Wells Fargo using my Social Security Number. However, they are not able to search for accounts using my full name or my email address. They are also not able to search based on the Wells Fargo application ID that I received in that original email from XX/XX/2023. The rep also told me that they are not able to close the account that the identity thief opened so that I will continue receiving emails from Wells Fargo associated with this account forever. Theres effectively nothing they can do to resolve this situation in terms of closing this account and remove my name from the Wells Fargo system. Im reaching out to the CFPB for help on this issue. I would like Wells Fargo to treat this as a serious issue of identity theft and close this account and remove my name from the Wells Fargo system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02115
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the evening of XX/XX/XXXX I was notified by phone by a Wells Fargo employee that there was some suspicious activity on my account. And he was right. There were ten unauthorized transactions totaling {$2300.00} + a pc transfer of {$1000.00}. So I was ripped off for a total of {$3300.00}. What's even more crazy is right after my first card ending in XXXX was shut off, there was more stolen. And it was from a card ending in XXXX that I haven't even received or requested yet. Also the hackers were doing withdrawals from XXXX and I'm in XXXX XXXX. I've never been to Florida in my life. But now Wells Fargo said they can't reverse the {$1000.00} pc transfer and I still haven't received my reimbursement for the ten unauthorized ATM withdrawals yet either. I've been hacked 3 times in 2023 and I've had it with Wells Fargo! Especially after this 3rd time because their putting me through so much bs trying to get my money back. I don't need this stress I just want my {$3300.00} back asap and their " customer service '' has been soooo frustrating! Anyway, if u can, please assist me anyway possible concerning my problem. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
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: Hello I decided to sell my XXXX XXXXXXXX XXXX on the XXXX marketplace. One of the interesting wants to buy XXXX contacts on XXXX XXXX. he says please follow the instructions in the email. I already sent a {$300.00} XXXX fee from Wells Fargo but will return full but waited a few hours I tried do im try contact but he blocked me. The next time im try form for a scam a few days get a letter rejected. I lost {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: Wells Fargo repossessed my car when it wasnt late. It affected my credit and it took me years before I could get a car. And when I finally could needed a co-signer. This whole process had started a chain of events that has affected our family life and its been very tough to regain my financial footing after this. I am still very affected by the multiple repossessions from this one vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78504
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 XXXX XXXX ( XXXX ) called me saying transactions had been cancelled by XXXX and a solicitation for my agreement on a {$10.00} fee was made. On XX/XX/23 the same thing happened. On XX/XX/23 Wells Fargo advised a {$11000.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. On XX/XX/23 Wells Fargo advised another {$1100.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. Further, my XXXX account was - {$640.00} below XXXX. An electronic deposit was made by my employer bringing it to - {$110.00}, where it stays after I closed it later that day. Monday XX/XX/23 I checked my fraud complaint status with Wells Fargo who advised I had no claim ; mailed letter pending. I claim failure to client fiduciary responsibility on both XXXX and Wells Fargo. I claim conspiracy to defraud a lawful client, myself, by XXXX and Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28115
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: Funds not handled or disbursed as instructed
Consumer Complaint: I am conservator of XXXX XXXX estate per the signedloan dated XX/XX/02, I am also trustee to her accounts far before Wells Fargo Wealth Managment and wells Fargo removed a total of XXXX and XXXX disappeared and they will not give me access to these accounts because they are guilty of imbessaling XXXX from a XXXX woman who could not read statements but relied on wells Fargo wealth management to do just that manage he ; f ; wealth without stealing half of i. There are so many accounts one printout shows 14 accounts and 10 active Brokerage, Buisness, 4 open PMA accounts, high yield savings, annuitys, life insurance policy, the trust had XXXX and came back to us at XXXX want forensic acco ; it's. Why would a bank have 11 open accounts for a woman who has lots of money and XXXX. Perfect victim, every notice on the back of statement stating if you don't notice what we stole in 30 days then we assume your ok with it do not apply to the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2023-11-28
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 using a debit or ATM card
Consumer Complaint: On Friday, XX/XX/2023, I received a call from XXXX at XXXX. The man was claiming to be from Wells Fargo 's fraud department. He advised there was fraud activity on my account. He provided a numbers for each transaction and advised me to write them down. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( didn't write what this was for ), and XXXXXXXX XXXX XXXX. I asked how all these places are being used so quickly, he said they were in a mall in Texas. I asked, how do I know this is Wells Fargo 's fraud department, the man provided my full SSN and DOB. After he provided that information, I believed he was with Wells Fargo 's fraud department. Then he told me he would have to close out my debit card but he needed the PIN in order to close and reissue a new card. I provided the PIN and then he asked for my husband 's information. He provided my late husband 's name and I said no, that's my late husband. I then provided my current husband 's name and he wanted me to provide his debit card information because he thought we had a joint account and his debit card would have been involved. That is when I realized it was fraud and the man hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32405
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A