Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023. While I did provide consent for the inquiry in question to get a car, I have reason to believe that I did not benefit from this inquiry as outlined by the Uniform Commercial Code ( UCC ) as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand that the UCC protects my rights during commercial transactions, including credit reporting. According to the UCC, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the UCC. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the UCC requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I've been a victim of identity theft. I spoke with someone over the phone XXXX. This individual was posing as a lender for small business. I happen to apply for a few business loans for my small business which was started XX/XX/XXXX. So I believed it was a possible lender as I've sent my application to several lenders. I was threatened by this person. If I didn't give up my username or password to my bank account. I would be in violation of the FDIC. My business and checking accounts were Positive the same day. I have screenshots on my phone. I keep track of all my tasks as a self-employed financial assistant this is absolute protocol. They managed to deposit Two fraudulent checks for some companies I've never worked for in the past or currently. I have filed a claim with the Wells Fargo on the behalf of these accounts. They've not yet requested any of the evidence that strongly support my claim. They have decided to bring both of my accounts for closure. I paid the overdraft fee in my business account to speed up the investigation. I decided to close my business account prior to Wells Fargo 's schedule to bring the business account as wells as my checking account to a closure on XX/XX/XXXX. This has put a restriction on me creating any new bank accounts. Business or checking, due to this madness. So far I have taken drastic measures to protect my identity by not answering phone calls. Changing my passwords.XXXX I reported this to XXXX as I was in need of a direction to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XXXX I was XXXX XXXX XXXX a XXXX XXXX XXXX XXXX starting my XXXXXXXX XXXX job at XXXX. Also, opened my first Checking and Saving account with Wells Fargo because it was right across the street from my job and school. I was only working XXXX hours a week, so I didn't have much money anyway but I was using my money for school events and XXXX XXXX, etc.I would keep my debit card locked to make sure to stop any unexpected charges, and I didn't have the money in the account to pay and didn't want any fees.I would literally stand at the checkout to purchase something and would get the total before unlocking my debit card and immediately lock it back. However, if charges like streaming companies like XXXX, XXXX and even my XXXX monthly subscription that were attached to my debit card would attempt to charge me would the card was still locked Wells Fargo would allow the charges to hit my account. Wells Fargo would post the larger charges to hit first taking my account farther in the negative and not pay whatever that originalcharge by returning it and then charging me a {$33.00} NSF for each charge.The NSF total charges would be, in most cases, higher than the amount for the original transactions all together. My account stayed in the negative before my check was direct deposited repeatedly week after week. And some merchants send the same transaction repeatedly to see if the money was in the account. XXXX would send the same charge 3 or 4 days in a row and I was charged a {$33.00} NSF each time. I called Wells Fargo Customer Service : asked why the charges are even hitting my account if my debit card is locked and they could see my debit card stayed locked.I was told Wells Fargo allow the transactions to go through as a courtesy for me to add money to cover the charges but that is the reason I locked the card in the first place. I knew I wouldn't have the money until my payday. My direct deposit was eaten up by all the NSF fees and there was nothing I could do about it, my money was gone before I could see it. I was with Wells Fargo for over 2 years and they charged me, at least, {$1500.00} in that NSF fees and when I closed my account to go to another bank, I received a check from Wells Fargo for {$100.00} stating they were refunding a couple of my NSF charges. I didn't know what to do ; I was young so I let it go and closed my account to go to another bank. I am now XXXX and I saw something to highlight companies questionable and unethical practices to file a complaint with CFPB. Also, finding out Wells Fargo has been doing the same thing to other customers and getting away with it. I don't know the statues of limitation on this to see if I can get my money back. Of course, I would love to get it it back but also be another person to voice their business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I reported {$480.00} in fraudulent charges by XXXX XXXX to my account via my debit card. On XX/XX/XXXX they closed the claim and said that the charges where legit. XX/XX/XXXX received a letter stating that the charges where legit because my card and pin where used and that i must have authorized someone to purchase. called claims department on XX/XX/XXXX and was told that it was final decision and could not be reopened or redisputed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I got a call from someone claiming to be my bank Well Fargo, he said he was XXXX from Wells Fargo. He claimed they were some unusual charges on my account and that he needed me to download app called XXXX and that someone was using XXXX for {$1000.00} loan in my name & I had to verify myself, than he had me XXXX {$1000.00} to him at XXXX, and then XXXX {$2000.00}, and XXXX another {$500.00} to him saying the money would go into another account for me, but it was really going to him. Wells Fargo has closed the cases & says since I approved the XXXX transactions that I cant get the money back. They also said they contacted the bank he used and waiting for his bank to look into it and get the money back from his bank. However, he has unenrolled from XXXX and havent gotten the money back and Wells Fargo cant do anything else. I explained to the bank that he was a scammer & because I used XXXX, they cant get the money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I pay Wells Fargo {$45.00} a month on my XXXX XXXX account. As soon as I pay {$45.00}, they then charge my account {$45.00} so it looks as if I have not paid anything then charge interest on top of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I would like to report an incident of misconduct by Wells Fargo concerning unauthorized transactions and lack of transparency in handling my account. In XX/XX/2023, I rented a car through XXXX, paying with a non-Wells Fargo method. The XXXX host falsely claimed damages amounting to {$2800.00}. Despite my dispute, XXXX held me liable. Subsequently, Wells Fargo debited this amount from my account without my consent. Upon reporting this to Wells Fargo around XX/XX/2023, an investigation began, and a temporary credit was applied to my account. This credit was later reversed on XX/XX/2023. On or around XX/XX/2023, I requested documentation from Wells Fargo to understand the basis of their decision. However, instead of providing the information, they issued another provisional credit and asked me to submit evidence supporting why I should not be liable for the charge. On XX/XX/2023, I sent a demand letter to Wells Fargo expressing my frustration with their unproductive and opaque handling of the matter ( see forwarded message ). On XX/XX/2023, I was informed that a " processing error did not occur, '' and the provisional credit of {$2800.00} would be withdrawn on XX/XX/2023. This situation demonstrates a breach of trust and duty by Wells Fargo. As my bank, they should protect my interests and funds. The constant reversal of credits and failure to provide requested evidence is unacceptable. Therefore, I request : 1. A thorough investigation into Wells Fargo 's handling of this issue. 2. Permanent reinstatement of the {$2800.00} credit, as it was unjustly debited. I trust that you will address this matter with the seriousness it deserves and uphold the integrity of banking practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. WELLS FARGO BANK XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the WELLS FARGO BANK customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. WELLS FARGO CARD SERVICES XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or WELLS FARGO CARD SERVICES XXXX customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A