Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: wells Fargo put a hold on my accounts because of my address not being updated i went into a branch and did it on XX/XX/2023 but they needed to verify the address which they did not do until XX/XX/2023 and there is still a hold on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83835
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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 have XXXX fraudulent charges on my credit card. XXXX - {$200.00} XXXX 's {$200.00} XXXX XXXX- {$350.00} I have disputed these transactions 3 times and each time they close the account and send a new card. Once that is done they are transferring the fraudulent charges to the new card and saying the dispute was done on the old card so they would have to do a whole new dispute which includes them cancelling the replacement card and sending out a 3rd replacement card. They are giving me a looped run around over the phone. Each time I call I am being transferred to 4-5 different agents and when asking why the disputes are not taking place properly that is their reasoning given. They are also allowing this to go on so long that I am also being charged interest fees with the fraudulent charges included. My cards limit was {$3500.00} and they have allowed that total to climb to {$4500.00} including allowing the fraudulent charges to go through after the XXXX limit was reached. They are now making it as difficult as possible to dispute the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I wanted to refinance my loan for a lower interest rate. I had been XXXXXXXX XXXX Wells Fargo for XXXX months. I was all set to close after XXXX months and was told that because of a prior bankruptcy I was not eligible to refinance. I was told in the beginning I could skip XXXX payments. I was told right after the denial that my house would be foreclosed on if the payments werent made. So my XXXX children and myself were forced to move
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text message from XXXX ( XXXX ) XXXX that claims to be the fraud department from Wells Fargo and asked me if i schedule a transaction for XXXX for {$3000.00} to XXXX XXXX. I replied with No. A few minutes later I received a phone call from XXXX ( XXXX ) XXXX and I followed their instructions and perform a XXXX transaction of {$1400.00} to an account for XXXX. I already gave out my social security number and the transaction is made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I am writing to complain that Wells Fargo not once decided to investigate my case. My name is XXXX XXXX, the checking account I am writing this about is XXXX, and I have attached proof of the old checking account as well. This happened in late XXXX early XXXX when I contacted Wells Fargo about this issue. I no longer have an account with Wells Fargo because of their lack of accountability with this incident. My mother passed away in XXXX and I was granted life insurance money when she passed. Later that same year I began getting suspicious charges, which I had made several phone calls about. The charges were appearing as XXXX, totaling almost a whopping XXXX in fraudulent charges. Wells Fargo was going to look into the possibility of fraudulent charges made without my consent. However, just 2 days after I called to complain about the very first incorrect charge, the representative I spoke to let me know that they had investigated and found there was no fraudulent action. This was unbelievable. Over XXXX of my mother 's money gone and it sounds absolutely ludicrous that every single transaction was investigated only after 2 days. I made several attempts to try to stop my account from being charged, even after my first call in refards to this issue, yet my funds kept disappearing. Wells Fargo also unfairly froze my account so I was unable to use it, but my funds still kept depleting ; I began to suspect this could have been done by one of your representatives themselves, obviously I was very concerned with already being denied any investigation after only 2 days. I changed my debit card, and I did everything your representatives told me to do. I finally made the decision to change my checking account, unfortunately, and later banked with another financial institution. I had called time and time again to have this investigated, but no one did anything for me. Not only was I treated unfairly, but none of your representatives actually looked into my case. It is not possible to make a complete and thorough investigation within only a day or two. I demand for this to be reopened and properly investigated. Every time I tried to call not only was I racially discriminated against on one occasion because of my name, but the people in the departments I was transferred to were also extremely unhelpful. XXXX, from your fraud department, never returned my calls nor did she ever even try to call me. This situation turned into a complete disaster because of the mismanagement of my case and the incorrect charges that kept being made even after complaining. Under the FDIC I should be able to have a proper investigation and demand my money back. This has been very tiring to deal with and I have suffered financially because of Wells Fargos incompetency. I went to the police and they told me this issue should be resolved by your bank, since it is insured under FDIC and so a police report would not be necessary. I did my own investigating and found very interesting reviews under the company name XXXX XXXX XXXX XXXX XXXX XXXX, which I made your representatives aware of to XXXX it themselves and they will see several reviews from others what I experienced in my account. I was also able to find a picture reported by the police in that county of the possible suspect that could have done this. This company 's name, XXXX XXXX XXXX XXXX XXXX also appears on some of my transactions. Obviously, it fell on deaf ears. Ultimately, I should have never been denied a thorough and proper investigation on such a large amount of transactions after only a day or two of Wells Fargos so called investigation. As of XXXX, XXXX, Wells Fargo has responded that they have stated that more time is required in order to investigate, but have not responded to any of my claims. I've attached a picture of my checking account where this happened and also other reviews from other victims who have also gone thru the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I looked at my credit report the other day to find 3 unauthorized inquries on my credit report, that I did not make of authorize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In the month of XXXX, Wells Fargo Bank closed my personal account # XXXX XXXX XXXX and my business account # XXXX under the name XXXX XXXX XXXX both at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX, after the closing month of WELLS FARGO BANK where they were supposed to send me the funds and I called them and they told me that the checks deposited in my account came from the XXXX XXXX of the company XXXX XXXX XXXX were cancelled. I contacted the owner of said company and we assisted her bank to verify if this was correct and it was not, nor did her company make the request for the reimbursement of said funds, nor did the XXXX bank itself do this, that is, wells fargo has the money and XXXX can't do anything, and I tried to get the WELLS FARGO bank to give me my money which they have and they have refused to do so. my personal and business account were finally closed on XX/XX/2023. # XXXX XXXX XXXX {$15000.00} and # XXXX XXXX XXXX XXXX {$42000.00}. Even as of the current date XX/XX/2023 I have not obtained my funds from my WELLS FARGO bank accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33142
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: Managing an account
Subissue: Banking errors
Consumer Complaint: This complaint is about the lack of customer service at WELLS FARGO BANK. Wells Fargo Has liars working to serve the customers but they do not have customer service to provide resolution for the customers issues. I DO NOT WANT THOSE LIARS and IGNORANT XXXX TO ANSWER MY COMPLAINT, I WANT A REAL WELLS FARGO MANAGER All I get from those XXXX are lies. The lies are the only resolution can be provided by the XXXX. XXXX XXXX IS THE LAST EMPLOYEE WHO IS WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION AND NOT UNDER ANY MANAGEMENT AND LABELED XXXX RESPONDED TO MY COMPLAINT BY THIS STATEMENT ( .We have determined we previously addressed your concerns ) they never address my case properly and never provided a solution AND THIS XXXX XXXX NEVER EVEN READ MY COMPLAINT, THEIR ANSWER WAS A COPY AND PASTE STANDARD ANSWER. WAS THE RESPONSE OF XXXX XXXX, A SOLUTION FOR MY ISSUE?. I REQUESTED A REAL WELLS FARGO MANAGER TO DEAL WITH MY ISSUE BUT THIS XXXX XXXX STATED IN THE RESPONSE : ( We respectfully decline your request to email you to set up an appointment to talk to you by phone. We do not arrange appointments by email. ) FROM XXXX XXXX STATEMENT I UNDERSTAND THAS WELLS FARGO MANAGERS DO NOT USE EMAILS.WELLS FARGO IS THE ONLY BANK THAT DO NOT USE ELECTRONIC COMMUNICATIONS AND EMAILS. XXXX XXXX stated that the XXXX mailed the letter to my mailing address on file. That was a lie because the letter was mailed to my residence and the attached address on the attached letter proved the lies of the XXXX. LIES DO NOT SOLVE THE PROBLEMS. TELL ME HOW YOUR LIES ARE GOING TO SOLVE MY ISSUE YOU CLOSED THE CASES AS SOVED WHEN ALL YOU PROVIDE ARE COPY AND PASTE AND LIES AND THE ISSUE IS NOT SOLVED. I WANT THIS COMPLAINT TO BE FORWARDED TO A REAL WELLS FARGO MANAGER AND NOT TO THE CLOWNS LABELED XXXX. When I filed XXXX complaint about the same issue and none of the XXXX provided a solution they provide lues after lies only, The executive complaint management should be called executive lies management. The people who answer the complaints for Wells Fargo are labeled XXXX, Those are inexperienced people who are NOT WELLS FARGO EMPLOYEES, they are working for the contractor XXXX from the comfort of their homes without any supervision not under Wells Fargo 's Management. I tried to speak to a manager or supervisor, but I was told that Wells Fargo employees who answer the complaint are working from their homes and there have no way to connect me to a manager or supervisor because they are independent contractors, they do not work under the supervision of Wells Fargo bank they are working for the contractor XXXX. XXXX XXXX stated on XX/XX/2023 We respectfully decline your request to email ME to set appointment to speak to a manager because they do noty want anything in writing because it will be easy to prove the lies they provide to the customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: When I added XXXX $ New money I was told by the Wells Fargo banker that that qualified me for a higher interest rate.. I was never told that I need to deposit {$25.00}, XXXX Never told!! If that were the case I could have come up with the additional funds!! But the banker told me {$22000.00} was all I needed for the higher interest rate .. now the bank is Lying to you and you are believing them!!! That is sad as you should protect the public. Wells Fargo has deceptive bank practices and you are not protecting the public from them!! I was promised additional interest with the {$22000.00} deposit as the banker promised me!! Nothing was said that a {$25000.00} deposit was needed never said!! They promised me the higher interest and I opened a new XXXX account!! Had I known they were lying to me in order to get me to open a new account I would have never opened it!! I have started to pull my funds out of this deceptive bank, now you need to do your job and stop them from promising customers higher interest and then not giving it!! Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A