Date Received: 2023-11-20
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: On XX/XX/2023, XXXX fraudulent transactions were made on my Wells Fargo debit card. The charges were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX. I did not make or authorize these charges which were made at XXXX stores in XXXX, XXXX. I had been in XXXX in the days before XX/XX/2023, but at the time these charges were made, I had left XXXX and was in XXXX, XXXX. I have provided proof that I was not in XXXX to Wells Fargo, and they continue to deny my claim. Prior to these debit card charges being made, someone tried to make CREDIT card charges at XXXX and another store in XXXX ( again at XXXX for {$8800.00}, and XXXX for {$1800.00} ). Wells Fargo sent me a fraud alert about the credit card charges and I replied that I did not make the charges. Those charges did not go through. However, I never received fraud alerts for the debit card transactions, and I did not know they had been made until approximately XX/XX/2023, when Wells Fargo told me my checking account attached to my debit card was overdrawn. I immediately challenged the charges. My boyfriend who as traveling with my got fraud alerts on his credit card at roughly the same time for a charge at XXXX. He informed his credit card company that he did not make that charge. *Note : The charges were made on XX/XX/XXXX which is the date in the XXXX XXXX In XXXX, the date was XX/XX/XXXX. I am attaching flight details showing I left XXXX at XXXX XXXX, on " XX/XX/XXXX. '' Translating that date and time to XXXX time, means I left XXXX at approximately XXXX XXXX on XX/XX/XXXX. I had been in the airport for XXXX hours before my flight left.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2021 I had a late payment on my Wells Fargo Credit card XXXX. For some reason I made a payment and it didn't go through, I guess do to Holidays or Covid I am not sure. Now its in my credit showing a 30 day late payment. I am trying to purchase a new car and its effecting my credit. Please if its possible as a one time curtesy if my late payment can be removed from my credit. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I had a XXXX XXXX that was purchased and loan was carried from Wells Fargo. They had a class action lawsuit regarding the charges and repossession. I had received a payment of {$6400.00} but the harm it has caused to me personally and financially over the last XXXX years is unrepairable. I feel the amount should have been substantially more due to the impact it had on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: There are XXXX account reporting incorrectly on XXXX XXXX XXXX. This has caused me to not be able to buy a home or a car for my family and I. PLEASE HAVE THESE ACCOUNTS REMOVED ASAP! THIS IS CAUSING ME TO NOT BE ABLE TO USE MY BANK ACCOUNT WITH MY BANK. XXXX XXXX ACCOUNT NUMBER XXXX. WELLS FARGO ACCOUNT NUMBER XXXX PLEASE REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT/ XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: My name is XXXX XXXX XXXX POA for the Consumer/Principal/Creditor XXXX XXXX XXXX ESTATE. Agent to the principal is principal to the agent. I was told that I must follow all rules, laws, codes and guidelines that was set up by Congress and the Federal Reserve Bank or I will be subject to violations and penalties. I except All Rights, Titles, Interest and Equity on behave of the XXXX XXXX XXXX account. I come in good faith and I exercise my rights to Full faith and Credit under the Constitution and my inalienable rights of pursuing life 's basic necessities of enjoying my life liberties of acquiring and possessing and protecting property and seeking my safety, health and happiness in all lawful ways. All laws which are repugnant to the Constitution are null and void. " Marbury vs. Madison. 5 US ( 2 Cranch ) 137,174,176, ( 1803 ) I am exercising my rights to my informed use of credit pursuant to ( 15 USC 1601 ) by Congress. I made a consumer credit transaction pursuant to ( 15 USC 1679a ( 2 ) ) at XXXX XXXX XXXX on XX/XX/XXXX. The purchase agreement was for a XXXX XXXX XXXX VIN # ( XXXX ) and I didn't receive my goods. I endorsed an application ( application # XXXX ) with my Consumer/Business/Creditors name and FRB/Social Securities Credit account # and signature for XXXX credits for the purchase of the goods. I read that the application is my federal note, security collateral pursuant to the Federal Reserve Banking Act Section 16 part 1 & 2, and my financial asset, pursuant to ( 12 CFR 360.6 ( 2 ) 2 ) as cash or instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity. ( picture of me with the financial asset is attached ) I informed the sales consultant and the GM of my rights to my on credit- by- law as the consumer, under the ECOA and CCPA. they both was looking at me as though to not know what I was talking about and kind of laughed at me. They asked me if I had a down payment and I told them that a down payment was not required in a finance charge pursuant to ( 15 USC 1605 ) and they laughed again. They made me feel like I was a minor and as though I was incompetent and uninformed about the laws that protects me as the consumer and then the GM cut me off as though he didn't want to hear me tell him what the law states anymore and I kindly asked him not to violate my inalienable rights and that it was Discrimination of the ECOA and CCPA but they acted as though they were not informed of the laws that Congress set up for the consumer. My credits was pulled out of my account because I got an alert from XXXX Credit Reporting Agency of the said Consumer Credit Transaction. I was told by XXXX that I would receive a letter in the mail of the decision. I received the decision letter on XXXX XXXX XXXX from the Lender Wells Fargo Auto and it told me I was denied because of a credit score which does not apply to me for I am the living and natural man pursuant to The Cestui Que Vie Act of 1666 exercising by law my consumer rights to an informed use of credit pursuant to ( 15 USC 1601 ). Now see that's a problem because that goes against my rights to my on credit an denying me my rights to my on credit is discrimination and securities fraud pursuant to ( 18 USC 657 ) and ( 18 USC 1348 ) and I told Wells Fargo Auto to either kindly retract my application/money/financial asset pursuant to ( 12 CFR 360.6 ( 2 ) ) or give me my goods for my household and family purposes under the Consumer Credit Transaction Act and Truth and Lending Act pursuant to ( 15 USC 1605 ,1635 ). They told me no that they could and would not retract my application/financial asset. Please Review and perform the righteous and honorable fedutiary duties as you uphold the Constitution to protect the rights of the consumer as the CFPB in good faith Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: Wells Fargo along with their counter partners XXXX XXXX, XXXX, and other sister companies have conducted an illegal campaign against me. The banking system has prevented me from being able to obtain adequate housing, had individuals intentionally vandalize and run into my vehicle, and have even prevented me from obtaining work. This has been going on for almost XXXX years, and they have had several of their merchants and partners engage in the campaign, and utilized civilians in the campaign as well. They have been staging car accidents and giving everyone I work with a bank loan and a vehicle, they have been had everyone I work with in admin stage a car accident and given them a new vehicle for the amount of {$5000.00} or more. They utilized college athletes to harass me by giving them students loans of {$5000.00} or more for the participation in the campaign. Wells Fargo began a harassment campaign against me because of past claims I have made with them. They also began stealing money out of my account and making my bank lock up my account without reason. They would continuously lock up my account when I had them as my bank and prevent me from traveling. They would make excuses and say they didn't know why my account was locked up. They began this campaign against me because in XXXX I made a complaint against one of their bankers who put extra accounts in my name. Now Wells Fargo is attacking, blacklisting, and coming after anyone who participated in the lawsuit. They have also began gentrification in all areas that I have lived in. It began in New Mexico, they followed me to XXXX, Alabama who does not have a Wells Fargo but they acquired all of the area, and now they have come to XXXX, KS began buying up all the area under different names, and gentrifying the areas. Wells Fargo is the banking system for every housing company I have applied for in the last XXXX years, and they are preventing me from obtaining housing or attempting to hike the prices up to where it is unaffordable. I filed a complaint before and Wells Fargo never reached out to me. I attempted to reach them almost XXXX times and they refused to call me back, but had a third party company reach out to hack my phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo concerning their dismissive response to my previous dispute letter and their failure to provide assistance in recovering the funds that were wrongfully taken from me. Additionally, I am deeply concerned about Wells Fargo 's apparent negligence in allowing me to make a cryptocurrency-related transaction without proper due diligence, which ultimately led to financial loss. The matter at hand revolves around a transaction of XXXX USD that was conducted through my Wells Fargo debit card, ending in XXXX, associated with my Wells Fargo Everyday Checking account ending in XXXX. These transactions occurred between XX/XX/XXXX, and XX/XX/XXXX, with the payments being made to entities named XXXX XXXX and XXXX. While these payments were initially authorized by me, it is crucial to understand the context in which they were made. The payments were intended for services promised by these entities, specifically XXXX, which was believed to be a legitimate cryptocurrency service provider. However, I later discovered that XXXX was involved in fraudulent activities, and the promised services were never delivered. Despite my attempts to resolve the issue directly with the merchant, I was met with silence and evasion, leaving me financially compromised. As a responsible financial institution operating within the United States, Wells Fargo is expected to uphold the highest standards of customer protection and due diligence. This includes compliance with various regulations, such as Regulation E under the Electronic Fund Transfer Act ( EFTA ), which mandates banks to protect consumers in cases of electronic fund transfers, including dispute resolution and refunds. Furthermore, Wells Fargo is required to implement a robust Customer Identification Program ( CIP ) to verify customer identities, assess transaction risks, and adhere to anti-money laundering ( AML ) regulations. The bank is also subject to the Bank Secrecy Act ( BSA ), which mandates effective anti-money laundering measures, including due diligence on customers and monitoring transactions for suspicious activity. Considering these regulations, I firmly believe that Wells Fargo should assume a degree of responsibility when its customers fall victim to scams. In this case, where I was enticed into making cryptocurrency-related transactions without the necessary due diligence, it is crucial for Wells Fargo to acknowledge its role in the matter and take appropriate action. In my previous dispute letter, dated XX/XX/XXXX, I meticulously detailed the circumstances surrounding these transactions and requested a refund in accordance with Regulation E. Unfortunately, Wells Fargo 's response indicated that the transactions were considered valid and authorized by me. While I acknowledge my role as the account holder, it is essential to highlight the broader context in which these transactions took place, including the fraudulent nature of the recipient. Moreover, the response from Wells Fargo suggested that it was not the bank 's responsibility to verify the legitimacy of every transaction, shifting the burden of verification onto the customer. This stance raises significant concerns about Wells Fargo 's commitment to customer protection and neglects its duty to maintain a secure banking environment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I went to Wells Fargo ATM at XXXX XXXX XXXX, XXXX XXXX, CA to deposit business checks totaling {$14000.00}. The ATM malfunctioned and did not give me my checks back. A screen popped up and I pressed yes not realizing what it was. It was depositing {$.00} into my account. I ran into the bank to get help and they informed me they have nothing to do with the ATM call the number on the receipt. I called the number and submitted a claim and gave them all 8 check numbers and amounts. I was told it would take 10 days to investigate and they would do a provisional credit. I received a letter in the mail stating the same information. After 10 days I called to find out the status and they were still investigating. I received a letter over a month and a half later dated XX/XX/2023 they finished their investigation and found no error occurred and were reversing the provisional credit. I called them to reopen asking how could 8 checks and a deposit slip so 9 items be lost in a lock box on their property! I never received the checks back and you can see that on the camera. It is now XX/XX/XXXX and they still have not found 8 checks and a deposit slip in their ATM and said this is a fraudulent claim. One representative told me to not use the ATM and to have all the checks reissued. I have sent a detailed letter to XXXX XXXX XXXX XXXX, ATM Claims Department and WF in XXXX XXXX. I want to know what happened to our checks and how their is no alarm on their end that nearly {$15000.00} in checks are just gone! 2 of the checks are cashiers checks and 6 are personal checks. I have been reissued 7 of the 8 checks from the clients but still waiting for one cashiers check. I would like an answer as to where my checks went and I want them given back so I can return them to the people who wrote them. This has been a total nightmare!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo Bank -attempted a wire transfer from my savings account on XX/XX/XXXX. The account was then shut down and I was unable to do any online banking until I came physically into a wells fargo bank site and verify my identity. I did this on the following Monday XX/XX/XXXX and spent over an hour and XXXX on the phone with the fraud department explaining the purpose of this wire. They stated they were investigating the wire and would hold funds until cleared.I called again on XX/XX/XXXX asking for the return of my funds as wire did not happen and was told I had to file a claim. I asked for a return of my money to my bank account that day as well. The claim number ID is XXXX. The rep I spoke to stated it would be refunded within and could take a maximum of 10 days. Today is XX/XX/XXXX and I still do not have MY MONEY back into my account. I have bills coming due and do not have the funds to pay so this issue will make matters much worse for me. This is illegal and needs to be taken care of immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: PLEASE Reference complaint ID numbers : XXXX and XXXX FOR THIS INQUIRY Wellls Fargo sent a check to resolve complaint ID 'S above, This is unacceptable and I do not accept their resolution. Please see attachments! Check will not be cashed. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27617
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A