Date Received: 2023-11-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: To Wells Fargo XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX compromised and closed. XXXX XXXX XXXXXXXX Fraud Loss Case Claim # XXXX Case # provided by XXXX XXXX To whom it may concern, We received notification that we are unable to reimburse you and have closed your claim via letter on XX/XX/XXXX. We respectfully request that the claim for reimbursement of the loss of {$23000.00} be re-opened for the following reasons : 1. We have been set up with 2 factor verification for our Wells Accounts since XX/XX/XXXX XXXX ; this was done to secure our Wells Bank accounts, which had been compromised at that time. a. At no time did we receive nor provide the verification code to the third parties who orchestrated the illegal wire transfer. b. Furthermore, we did not provide our Account # XXXX, routing numbers, nor Username and passwords to access our Accounts, to any third parties. XXXX. Upon reporting the matter to your fraud agent on XX/XX/XXXX ( XXXX ) and in multiple subsequent conversations we are assured that that loss associated with this account would be reimbursed ; however, we were advised upon reporting the matter to your Fraud agents, that all other accounts should they be comprised in the future, would be our responsibility. a. In our calls to Wells fraud agents to XXXX on XX/XX/XXXX, and to XXXX XX/XX/XXXX ( XXXX and XXXX XXXX we were assured the claim was being processed and would take XXXX days. b. At no time were we informed that we would not be reimbursed for the loss nor did any of the agents refer to any policy that would preclude the reimbursement. XXXX. In speaking with our Banker ( XXXX XXXX ) on XXXX XXXX we learned that despite our call to Wells Fargo XXXX XX/XX/XXXX to report this matter, your records indicate that the transfer did not complete until XX/XX/XXXX. XXXX. This theft was reported to XXXX XXXX Police, and they have opened an investigation into this theft. Please confirm that the case is re-opened for your review and resolution. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
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: Other transaction problem
Subissue:
Consumer Complaint: In late XXXX of 2023 I made a wire transfer from my local bank, XXXX XXXX XXXX for {$15000.00} payable to a business associate who's business account is at Wells Fargo. The wire did not process in a timely manner and he was given multiple reasons why it could not be credited to his account. He was told that it was notmal XXXX hours processing time and then XXXX hours and then XXXX due to heightened security since th XXXX XXXX XXXXXXXX. They told him that they needed to determine the reqason for the funds ( easikly determined as an investment ). After repeated attempts to receive an appropriate response as to why the extended delay, all communications from Wells Fartgo ceased, I am including the transcript of my messages with my associate XXXX XXXX XXXX in addition to the wire instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
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: Fee problem
Consumer Complaint: We are a merchant with a business account with Wells Fargo Bank. Our operations include in person and online sales. Between XXXX XXXX XXXX XXXX our website was attacked by what seems to be a robot which attempted XXXX purchase transactions from which a small portion got approved and have been charged back since. Nonetheless, the card processing fees alone for the XXXX and so transaction-attempts mounted up to a total of {$13000.00}. Wells Fargo decided unilaterally, that they would do " a-one-time courtesy refund of about 80 % of the total amount '' of the aforementioned fees and that we, the merchant should still pay up the remainder of {$4400.00}, for " not having sufficient security measures in place '', in order to prevent this activity. We have consulted with a web services technician and have been advised that there no security measurements within our dashboard that may prevent an attack so big and orchestrated. In fact, an attack so big should have been detected by the processing networks and stopped it after the few XXXX transaction attempts. At the same time, we are still dealing with the chargebacks and keeping track of them. At this point, we just want to refunded in full for processing fees derived from the attack, so we can be net XXXX from that episode and carry on with our business. Please advise. We thank you beforehand for your time on this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92705
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report. Below, I have outlined the specific details of the inaccurate information on my credit report : WELLS FARGO BANK CAR 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 been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
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: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: WELLS FARGO DEALER SVC, Account # XXXX is reporting inaccurate. information FCRA Law states all information must be accurate with all credit bureaus. inaccuracies 1.Date Last Active 2.Payment Status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: THIS COMPLAINT IS NUMBER XXXX ABOUT THE SAME ISSUE. WELLS FARGO IS REFUSING TO USE MY MAILING ADDRESS AND THEY ARE ADDRESSING THEIR MAILS TO MY RESIDENTIAL ADDRESS WHICH I COMPLAINT ABOUT MORE THAN XXXX TIMES IN THE LAST 3 YEARS. WELLS FARGO ARE STILL DENYING ME MY PRIVACY RIGHTS AND MY CIVIL RIGHTS AND THEY ARE NOW DENYING ME THE RIGHT TO SPRAK TO A MANAGER REGARDING THIS ISSUE THAT I COMPLAINT ABOUT MORE THAN XXXX TIMES AND TILL NOT WELLS FARGO ARE STILL REFUSING TO PROVIDE A SOLUTION. 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. I SURE WILL NOT TALK TO AN XXXX MANAGER BECAUSE I AM SURE THEY LIE MORE THEN THE XXXX. EVERYTHING MUST BE IN WRITING AS I CAN CLEARLY SHOW YOUR LIES. HERE IS MY COMPLAINT # XXXX AGAIN : COMPLAINT NUMBER XXXX ABOUT THE SAME ISSUE THAT NEVER RESOLVED. TILL NOW AND AFTER XXXX COMPLAINTS, WELLS FARGO IS STILL DENYING ME MY PRIVACY RIGHTS AND MY CIVIL RIGHTS. THE EVIDENCE IS ATTACHED. WHAT A XXXX WELLS FARGO CAN BE, EVEN AFTER XXXX COMPLAINTS ABOUT THE SAME ISSUE WELLS FARGO IS STILL REFUSING TO USE MY MAILING ADDRESS AND DENYING MY PRIVACY RIGHTS AND MY CIVIL RIGHTS AND THIS LAST LETTER IS AN EVIDENCE. I attached the answer of the contractor XXXX XXXX who is working from the comfort of their home without any supervision and not under the management of Wells Fargo. This XXXX mailed the Wells FARGO LETTER TO MY RESIDENT. ( LOOK AT THE ADDRESS ON THE LETTER ) Read it and tell me if the contractor XXXX XXXX who is labeled XXXX provided a solution in their answer before they closed my case has it has never been solved in 3 years and XXXX complaints. This response and XXXX XXXX response are similar to the rest of so called XXXX their response are a copy and paste of a joke by a XXXX labeled ECMO Who said I did not provide new information. how XXXX could that be if after XXXX complaints you did not provide a solution and you are asking for new evidence! What about the tons of letters that you have mailed to my resident AND YOur LETTER THAT YOU JUST MAILED TO MY RESIDENT is not enough for Wells Fargo to take this issue seriously and hired someone who can find a solution instead of those who are labeled XXXX who never provided a solution for any of the XXXX complaints? Do you think you solve my issue by your shallow response?. The response is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The severity of my issue deserve a response by a real Wells Fargo manager not by a XXXX labeled XXXX DO NOT TELL ME WELLS FARGO HAS NO MANAGERS. I AM REQUESTING FOR THE XXXX THAT THIS COMPLAINT TO BE FORWARDED TOP A REAL WELLS FARGO MANAGER AND NOT THOSE LABELED XXXX WHO FROM MY EXPERIENCE DO NOT TELL THE TRUTH. A MANAGER CAN CONTACT ME BY EMAIL TO SET AN APPOINTMENT FOR A PHONE CONVERSATION. IF YOU ARE PROFESSIONALS, YOU CAN NOT CALL THE CUSTOMERS ON YOUR OWN CONVINENCE AND DISREGARD THE CONVENIENCE OF THE CUSTOMERS I need a solution. This complaint is number XXXX about the same issue and I will keep complaining till a real Wells Fargo manager provide a solution to this issue. The previous complaint # XXXX AND # XXXX was answered by a typical XXXX called XXXX XXXX WHO DID NOT PROVIDE A SOLUTION in their answer, this XXXX IS BLAMNING THE FEDERAL GOVERNMENT AND THE USA PATRIOT ACT FOR THE INABILITY OF WELLS FARGO TO FOLLOW MY ACCOUNT MAILING PREFERENCE AND FOR THE INABILITY OF WELLS FARGO TO USE MY MAILING ADDRESS INSTEAD OF MY RESIDENTIAL ADDRESS THAT I DO NOT WANT WELLS FARGO TO MAIL TO IT. I PROVIDED MY RESIDENTIAL ADDRESS TO COMPLY WITH THE FEDERAL LAW AND NOT TO BE USED BY WELLS FARGO. BUT WELLS FARGO THINK THEY ARE ABOVE THE LAWS AND THEY THINK THE RESIDENTIAL ADDRESS OF THE CUSTOMERS ARE FOR WELLS FARGO TO USE AS A MAILING ADDRESS WHAT EVER THEY LIKE AND AT THEIR CONVINIENCE. WELLS FARGO COULD AVOID THIS BY SAVINGTHE RESIDENTIAL ADDRESS SOME WHERE ELSE OR THEY CAN POST A NOTE NEXT TO THE RESIDENTIAL ADDRESS THAT THIS ADDRESS IS NOT A MAILING ADDRESS DO NOT USE THIS ADDRESS FOR MAIL AND NOT POST THE RESIDENTIAL PRIVATE ADDRESS WHERE EVERY DEPARTMENT CAN USE THIS THE RIDENTIAL ADDRESS INSTEAD OF THE MAILING ADDRESS. The answer of XXXX XXXX XXXX XXXX, and the rest of the XXXX are NULL it is not worth the paper that was printed on. But that also a typical for the XXXXXXXX who all customers are complaining about. I would like to ask Wells Fargo Where is the solution for my issue in the response of XXXX XXXX? The answer of XXXX XXXX was a typical answer for who are labeled XXXX a typical for those XXXX who are working from the comfort of their homes without any supervision and NOT under a management of Wells Fargo XXXX XXXX is blaming the GOVERNMENT for the refusal of Wells Fargo to use my Mailing address and for the refusal of Wells Fargo to obey the laws and regulations and my privacy rights and my civil rights. I would like to ask Wells Fargo, WHERE IS THE SOLUTION FOR MY ISSUE IN YOUR RESPONSE? This complaint is number XXXX about the same issue and I will keep complaining till a real Wells Fargo manager provide a solution to this issue. The previous complaintwas answered by a typical XXXX called XXXX XXXX WHO DID NOT PROVIDE A SOLUTION in their answer, this XXXX IS BLAMNING THE FEDERAL GOVERNMENT AND THE USA PATRIOT ACT FOR THE INABILITY OF WELLS FARGO TO FOLLOW MY ACCOUNT MAILING PREFERENCE AND FOR THE INABILITY OF WELLS FARGO TO USE MY MAILING ADDRESS INSTEAD OF MY RESIDENTIAL ADDRESS THAT I DO NOT WANT WELLS FARGO TO MAIL TO IT. I PROVIDED MY RESIDENTIAL ADDRESS TO COMPLY WITH THE FEDERAL LAW AND NOT TO BE USED BY WELLS FARGO. BUT WELLS FARGO THINK THEY ARE ABOVE THE LAWS AND THEY THINK THE RESIDENTIAL ADDRESS OF THE CUSTOMERS ARE FOR WELLS FARGO TO USE AS A MAILING ADDRESS WHAT EVER THEY LIKE AND AT THEIR CONVENIENCE. WELLS FARGO COULD AVOID THIS BY SAVINGTHE RESIDENTIAL ADDRESS SOMEWHERE ELSE OR THEY CAN POST A NOTE NEXT TO THE RESIDENTIAL ADDRESS THAT THIS ADDRESS IS NOT A MAILING ADDRESS DO NOT USE THIS ADDRESS FOR MAIL AND NOT POST THE RESIDENTIAL PRIVATE ADDRESS WHERE EVERY DEPARTMENT CAN USE THIS THE RESIDENTIAL ADDRESS INSTEAD OF THE MAILING ADDRESS. THE ANSWER OF XXXX XXXX and XXXX XXXX are typical answers for who are labeled XXXXs a typical for those XXXX who are working from the comfort of their homes without any supervision and NOT under a management of Wells Fargo. XXXX XXXX and XXXX XXXX Has no answer of her own and has no supervisor to go over their answer and XXXX XXXX is blaming the GOVERNMENT for the refusal of Wells Fargo to use my Mailing address and for the refusal of Wells Fargo to follow my account mailing address preference. Wells Fargo Are paying to ignorant to answer the customers complaints by copies and pates and they close the cases without any resolution, all are the same, Wells Fargo HAS NO ONE TO FIND SOLUTIONS FOR THE CUSTOMER 'S ISSUES. the answer of XXXX XXXX is an example on how Those XXXX can not provide a solution. this XXXX lie in the response when they stated that We have also determined previous responses have been sent to email and mailing address on file. because my mailing address on file is my XXXX XXXX Wells fargo sent the last mail to my residential address THE ADDRESS ON THE ATTACHED LETTER IS THE PROOF. and this attached letter proves that XXXX XXXX IS NOT TELLING THE TRUTH. THE XXXXs are liars, this is why I do not accept phone calls I like everyone to read the lies and compare it to the evidence of their lies that I provided. Wells Fargo bank hired liars To serve 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: 2023-11-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been a loyal Wellsfargo customer for XXXX decades and recently became a victim of fraud while banking with this institution. I recently had " device interference '' in which my username and password were used and I was contacted by a scam artist. On XX/XX/XXXX at XXXX I received a call from a man claiming to be from Wellsfargo. My caller ID said Wellsfargo and he was able to send me text messages from Wellsfargo to confirm that he was legitimate. After reviewing fraudulent charges, he told me that I needed to reverse a wire to myself at which point I unknowingly transferred money to a dummy account which was not mine. I immediately contacted Wellsfargo once I realized this ( at XXXX MST ). It took the fraud team over FOUR hours to contact XXXX XXXX XXXX ( the recipient bank ) and recall the wire. At which point the money was transferred and withdrawn and now my case is " no longer fraud ''. The wire was completed at XXXX. I reached out to Wellsfargo at XXXX. Wellsfargo did not request that the wire be frozen until XXXX ( this is according to their call notes ) They did not receive confirmation of the request from XXXX XXXX XXXX until the morning of XX/XX/XXXX at XXXX. At this point the money was gone. It is also at this point that Wellsfargo decided that my case was no longer fraud since I had given the person my username and password ) which is completely untrue. My account was hacked because I did not have XXXX factor authentication I find it suspicious that Wells Fargo decided that this was no longer fraud after the wire was not retrievable. I have contacted Wells Fargo 's call centers dozens of times only to receive a different reply and be pushed onto another representative. I feel that if this would have been acted upon with more urgency all of this would have been avoided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was the victim of a scam that I thought was a work from home job. The scammers went as far as interviewing me for the job. Then they sent me a check to deposit and send through XXXX, which ultimately returned unpaid. Originally I sent my own money in place of the check because i believed it would clear because it looked to have been accepted. The next morning I freaked out because the scammers got access to my bank login and got me for {$1200.00}. Which was all the money in my account. I called the bank to dispute the fraud of {$1000.00} and {$200.00}. I filed a police report and a complaint with the XXXX for the supposed data entry position of XXXX XXXX. I contacted the fake employer and was blocked. The bank took my info and filed the complaint but didn't allow me to submit my proof. After a week my bank account is closed and my claim was denied. I am unable to appeal the decision according to the lady on wellsfargo customer service which I believe to be false because the letter states otherwise. The money scammed was all my unemployment money. I had never had an issue or problem as a customer before that incident. What concerns me is the fact that the check was accepted in the first place, which led me to believe it was good. I don't know what to do. I need some help please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95054
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX around XXXXXXXX XXXX, I received an email regarding an {$80.00} XXXX transfer that I did not initiate. Following the instructions in the email, I immediately contacted the XXXX number provided as it suggested for any unauthorized transactions. During this call, I was informed that a new XXXX email had been added to my XXXX account and used for the unauthorized transfer. Furthermore, a new recipient was also added to my XXXX account without my authorization. The representative I spoke with took prompt action by removing the unauthorized recipient and email associated with the transfer. They also provided me with a XXXX number to call the following day to update my online credentials, since that department had closed for the day. The subsequent day, I contacted the provided number and received assistance in changing my username and password. Additionally, the agent facilitated the closure of my account and transferred the remaining balance to a new account. They advised me to scan my phone before logging back in with the new credentials, ensuring added security measures. Prior to these incidents, I received a voicemail on XX/XX/XXXX, urging me to contact the Wells Fargo Fraud Prevention center at XXXX and reference case number they left in the voicemail. Upon doing so, I was notified of unusual logins from locations outside my usual area of activity, such as California and XXXX. Additionally, verification of personal information regarding a recently opened checking account was requested. Once verified, I was assured that my account would not be closed. The agent also assisted in updating my online credentials as a precautionary measure. In summary, I am unfamiliar with the recipient to whom the {$80.00} was transferred. Moreover, I did not authorize the addition of XXXX email to my XXXX account for the transaction in question. I kindly request that the funds be returned to my account, as this transfer was unauthorized. I sincerely appreciate your prompt attention to this matter and the assistance in rectifying this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77081
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2023, I has spoke to a gentleman by XXXX XXXX, and never returned or answered my. calls and I found out by XXXX of my coworkers that he was no longer an employee at the company. I have been trying to get my refund retuned of {$3500.00} back. I had been emailing the company in order to have my refunds retuned and specifically advised them in writing to mail me a refund with my address and advised them that my bank account was closed. I have been having issues since XXXX XXXX. I have called my bank Wells Fargo numerous of times and advised me that there was a several attempts that they tried to deposit the monies but could not go in to a closed account.
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: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A