Date Received: 2023-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX at around XXXX XXXX I went to the Wells Fargo ATM. This was the particular Wells Fargo address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I am a bartender and deposit my cash tips regularly. When I deposited my cash at the ATM, the bank froze and all I saw on the screen was that it stopped counting at {$470.00}. After a few minutes, the ATM popped up with an error message and the only option was a continue button. The ATM didn't deposit the cash into my account or spit my money back out. I called the bank while I was in front of the ATM drive thru, because I was nervous to leave my spot without my money and cars behind me. The workers on the phone advised me to come inside. I talked to the branch XXXX of this bank and she told me she could not open the ATM since the ATM is accessed through a third party. She told me she would make a claim for me. This is her address : XXXX. She told me it would take XXXX business days to be resolved. On XX/XX/ at around XXXX XXXX Wells Fargo messaged me claiming that an error did not occur. I immediately called Wells Fargo claim assistance saying this has to be a mistake. Not only did my money have to be in there, but I am also on camera. The lady I talked to on the phone asked why I didn't file a police report, and I responded I didn't know I had to. All Wells Fargo did after this was open the claim back up for further investigation, and filed a complaint against this branch. While I was crying on the phone, I was also told I might not ever get my money back. The second claim is still open, and I haven't heard anything about my money yet. I feel like this is unacceptable, and I deserve to have my tips I earned back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
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: 2023-11-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I reviewed my checking account recently and saw that unauthorized charges for {$490.00} have been occurring for 12 months from my Wells Fargo Checking account, amounting to {$5800.00} total. The first charge started on XX/XX/2022 and occurred monthly after that. The charges show up on my bank statements as " XXXX XXXX XXXX XXXX ''. I don't have any accounts with XXXX XXXX and when I brought it up with the XXXX Help line, they confirmed there were no accounts in my name and said they may have facilitated the transaction, but there was nothing they could do from their end and to bring it up with Wells Fargo. When I brought it up to Wells Fargo on XX/XX/XXXX, they said they would investigate and provide me a resolution in 10 days over email. On XX/XX/XXXX they sent a letter saying they were able to recover one of the payments and reimbursed my account {$490.00}, but the rest of the payments were " correctly charged to my account '' and as a result they can not reimburse the outstanding {$5400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Around XXXX on XX/XX/XXXX, I was drugged, assaulted & robbed by an unknown individual. This individual was able to steal my unlocked phone given my state and used it to access my bank information ( Wells Fargo ) & XXXX XXXX. Among other things such as signing up for new credit cards and attempting to make thousands of dollars in purchases via my XXXX credit card ( which were denied ), the thief used XXXX XXXX via the Wells Fargo debit card stored in my XXXX XXXX to transfer {$1300.00} to himself across XXXX transactions. In addition to this, he transferred {$3400.00} to himself via the XXXX function in the Wells Fargo app. He also moved thousands of dollars from my savings account to my checking account in order to get more money out of the account. The morning after the incident I took all necessary steps ( reported this as fraud to Wells Fargo and opened claims, closed my existing accounts and opened new ones, locked down my credit report, cancelled my chase credit card, filed a police report, etc. ) On XX/XX/XXXX I was informed via mail that the XXXX transactions were being dubbed by Wells Fargo as done by me or someone authorized by me, which is not the case. The claims were denied and the case was closed. They have stated the XXXX XXXX transactions are yet to be completed but they expect them to be approved and paid out as finalized shortly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This complaint with the consumer financial protection bureau is in regard of improper use of my consumer reports and disobedience of federal law. In reference to Wells Fargo Account # XXXX I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Additionally, In Wells Fargo terms and conditions they agreed not to share my nonpublic information with non affiliates. Consumer reporting agencies such as XXXX, XXXX and XXXX is not an affiliate of Wells Fargo nor are they " bureaus '' as Wells Fargo suggested. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as federal law has stated several times. Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Additionally, per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received a credit card statement from Wells Fargo Bank, N.A.for an account # XXXX XXXX XXXX XXXX for an account which I did not open, I absolutely refuse to deal with that bank due to problems we had trying to close accounts in my sisters name when we had to put her in assisted living due to medical problems
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58703
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am an XXXX XXXX Military member. I have recently learned about the Service Member Civil Relief act. It had been unknown to me for quite some time. I submitted my most current XXXX XXXX orders to Wells Fargo over a secured line on XX/XX/XXXX. They have not updated the current intrest rate. I also have a Credit Card with them that they have not adjusted either. i have been on XXXX XXXX since XXXX. If I would have known about this then i would have submitted my paperwork earlier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo closed my account 2 days after opened and never gave me a reason, they just said wasninternal bank decision
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Loan estimate or other related disclosures
Consumer Complaint: I had a Mortage with Wells Fargo in 1997 that was wrongly foreclosed on and did not present me with options
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A