Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 18 USC 8 states the U.S is responsible for All Debts. Why then are these agencies fraudulently reporting debt against me without written consent? Every company I did business with has an XXXX # and everyone of these companies has me listed as an employee up under there companies why then am I not receiving remittance wires of my securities interest coupons to my TDA accounts? These companies with there Zero percent certificate of Indebtedness is why these securities fraud continues. Only the original creditor can make you pay but when the servicing rights are transferred no payment are dues in accordance with the law. This is a violation of the Securities Act, breach of fiduciary duties federal reserve act 29.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I spoke to numerous people in different departments and the only one that was very helpful was A man named XXXX in the Re-entry Department. He was very helpful but then days later, I called back and I have been getting the run around and No one wants to help me. I am trying to save my home. Please have this resolved before my home is foreclosed. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/XXXX I was prompted with an offer for Wells fargo " active cash credit card, ' which promised a XXXXXXXX XXXX bonus if the required spending amount was met within the first three months of use. I promptly began using this credit card for all my purchases and racked up/simultaneously paid off several XXXX dollars in purchases by XX/XX/XXXX. When I called the credit help line to ask when I would receive my XXXX XXXX bonus the woman I was speaking to ensured me that I would receive it by XXXX at the latest. In XXXX I called again and they informed me at first that I did not meet the spending amount to receive the XXXX $ bonus but as I began to argue and list of the charges I paid for throughout the summer I was repeatedly transferred to different call agents who all agreed that I had in-fact made the qualifying amount of purchases and that they did not know why the reward had not come through. One agent tried to argue that there was no XXXX $ bonus offer and I pulled up the webpage which still had the advertisement up and read it to him, I was then transferred again. That phone call lasted nearly two hours before I became so frustrated that I begged the next agent I was transferred to to listen to my story and escalate the action. He then noticed that in XX/XX/XXXX my account number changed because my wallet had been stolen, the old card deactivated, and a new card was created with a new account number. According to this individual he could not access my account number for the previous card but ensured that I did qualify for the reward and was unsure why some individuals had contested because " [ I ] clearly qualify for the bonus, and made necessary purchases. '' He informed me that all my comprehensive credit card history reports were to be sent to my address and that one I received them, to call and give my old credit card account number and that I would then receive the bonus. Meanwhile I was located in HI for college and did not return home for several months. When I did return home I gathered the documents and finally called to figure this out in XX/XX/XXXX. I was then told that despite what I had been previously assured multiple times, my account was not eligible for the reward because the advertisement did not apply to everyone. This was not indicated in the original offer I received when I signed up and they asked for a screenshot of the offer ( from over a year ago ) to verify this. I had deleted all my old emails for computer space and did not have the email so they simply ignored my request and denied my reward. This is fraudulent activity and an unfair use of situational shortcomings to deny a rightfully earned reward. I have requested the recordings of my previous phone calls as evidence that I was ensured I qualified multiple times and they denied it, leaving me with this letter as my only option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed in my card in XXXX XXXX. I was confused by the XXXX before I signed for the purchase. I attempted to go back to the business and was told they didnt know how to refund the error and they could just give me a credit. I was worried for safety and legitimacy of this, so I left thinking my bank will help me. Not sure why such a large charge was even allowed without stopping it and forcing me to verify. The claim started in XXXX and now in XXXX, the bank tells me they will not be approving the claim and that they will charge me this right before Christmas. This will clear my whole account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was unfamiliar with online banking and checking my account. I was shown by my daughter how to check it just recently after my money was practically all gone or strange charges from places u have never had an account or done business with. I went in to the bank and was told I had to wait for an appointment to go over the charges. Or to just call in and they gave me a print out so I could call and tell them what charges were fraudulent. I had started using my XXXXXXXX XXXX and XXXX so I didnt have to use the physical card. I was worried about XXXX numbers being copied while at the drive thru and places like that. So I had my daughter show me how to use the digital wallet. I noticed there was a lot of XXXX charges and I dont have an XXXX and never have. I also dont have an XXXX account and havent had one for years and that account was closed in good standing : so ther was no reason they should charge me for anything. The first women was very rude when I reported the charges asking if the charges just magically appeared out of thin air? Well yes they were fraudulent charges I dont know where they came from. I also had many charges to XXXX XXXX and XXXX. Also businesses i have never used.any of those companies. I also made a police report over these charges. I have gone 3 months without enough money to even pay my insurance or business license or condo fees. I was told the money would be put back in my account and dont worry he said may e they wouldnt be able to recover anything more than 90! days old but the other would be put back no problem.i honestly dont know who used my card. I noticed it missing from my wallet and reported it as soon as I died. I had been using my digital wallet or had gone to the bank to withdraw my money so I dont know how long my card was gone for. I told them all this and waited patiently for a credit they said they would put in and nothing and not even an explanation. I dont understand how they promise to protect my account when they dont. If they investigated really they would know I didnt make the charges. Im in my XXXX and I feel taken advantage of and robbed from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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: I detected XXXX XXXX fraud on my bank statement. I contacted Well Fargo, and the were supposed to check into the matter. They informed me that it was not fraud. So, I personally called XXXX XXXX myself and was told by XXXX XXXX on XX/XX/2023, by XXXX that Wells Fargo was paid 2 separate payments the first being on XXXX and XXXX XXXX for the total amount of {$420.00}. It was reversed off of my account by XXXX XXXX and credited to the Wells Fargo credit card. Wells Fargo gain applied the charges back on my credit card and said it was not fraud that I owed the amount. So, I feel Wells Fargo double dipped by keeping what XXXX XXXX paid and making me also pay on my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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/XXXX, I was charged {$50.00} by XXXX XXXX XXXX. I immediately marked the transaction as fraudulent since I have credit card alerts on all my cards and I did not make a {$50.00} transaction recently. I figured the credit card company would resolve everything after. Two weeks later, I receive a call asking why I disputed and I said that I did not know where that charge was and that it was fraudulent. Three weeks after that, I received ANOTHER {$50.00} charge from XXXX XXXX XXXX I called Wells Fargo ( who handles XXXX ), and they said that the {$50.00} charge is from the company who handles my rent but that XXXX automatically removes the charge since their whole business is to use a credit card to handle rent. *They said that these charges should be removed and that I should wait* I have waited, and the two transactions totaling {$100.00} are still in my statement and I had to pay them off. XXXX has also conveniently WIPED my transaction history, so I am no longer able to see the previous charges. In summary, I would like {$100.00} in fraudulent charges back which were not handled on the XXXX side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is the second time I have asked Wells Fargo to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By LAW Wells Fargo is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A