Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023 I made a purchase and the purchase just posted on Tuesday XX/XX/XXXX I called the bank to ask him about Veterans Day cuz I also got charged or overdraft fee for Veterans Day when all banks were closed they explain to me that the bank still works I don't understand how I got charged to overdraft fee for a transaction that was done on Thursday and I also deposited money into that account had a positive balance wake up on Tuesday XX/XX/XXXX with a negative balance and another overdraft fee the reason I'm writing is cuz I have been complaining numerous of times about how this bank is very abusive with their fees if I did a transaction on Thursday that transaction should have posted on Monday especially if there was no holidays but this bank is very abusive cuz what it does is that it charges you overdraft fees it waits to all the other transaction posts and then the overdraft fee makes your account look even more negative and that's when they take advantage and they they charge you more overdraft fees this bank is very abusive with these fees I feel like the federal government should investigate them this is why Wells Fargo 's has been XXXX of the worst banks in XXXX or it needs to be sold to a better institution that will appreciate customers and not over abuse them like this bank has done I'm so tired of arguing with them and fighting with them about these overdraft fees especially when they notify you at XXXXXXXX XXXX in the afternoon and they give you to XXXX midnight the same day they consider that XXXX hours I consider that XXXX hours that is nowhere near XXXX hours it is not right how this bank is treating people and I feel that there should be Justice against all banks that abuse customers we all work for our money there's no reason why a financial institution to take our hard-working money that they have nothing not even a sweat to receive this bank has been making profit off of me for years and I am very tired of it I was told by representative that if I didn't like them that I'm more than welcome to go to another financial institution I don't have a problem in going to another bank I just choose not to cuz I'm tired of all these Banks abusing it's not just Wells Fargo 's it's all banks in America that are very abusive this is my second complaint on this bank about to overdraft fees hopefully this Bank will stop the abuse soon thank you for your time and your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: HARASSMENT BY THE WELLS FARGO ASSOCIATE PERSONAL BANKER NAME : XXXX XXXX, XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX Explanation of the incident : I went to the wells Fargo bank XXXX XXXXXXXX XXXX to withdrew {$8000.00}. Bank teller ( cashier ) verified and gave me the money. I asked the teller that I want to count the money. And she told me to go to this room and count your money. I said thank you I went to the room to start counting the money and I heard someone knocking the door, I stop counting and open the door. The guy name XXXX XXXX is telling me I can not count the money in here. I said why? and where I can go and count the money? He said go to your car and count the money. I said no I have to count my money inside of the bank and I will leave. He was shouting with me in front of the other customer. He was harassed me in front of the other customer. I was insulted by him. Counting money is not a crime and his attitude was telling in front of the other people I am a criminal. I want the authority needs to take an action against of him. He damaged me by harassing me in front of the public. I need a legal action about him.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: i didn't give authorization for account. unsure how came about. dont recognize company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44125
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 using a debit or ATM card
Consumer Complaint: Good Day I am a active member of the XXXX XXXX and while out at Sea I noticed transactions ( XX/XX/XXXX ) on my account that were not authorized by me. I share an account with my mom who lives in another state and she too noticed the transactions and how many had occurred so frequently in one day. Just as I was about to reach out to the bank I received a call from Wells Fargo customer service advising me that they saw fraudulent activity and they were checking to see if I indeed made these transactions. I immediately replied absolutely not. They then said that they would shut down my card ending in XXXX and they would open up and investigation. Over the phone we went through all the transactions that were not authorized by me. The total amount at that time was {$1200.00}. There was another transaction that I saw in the amount of {$24.00} but Wells Fargo informed me that particular transaction was not charged to the account. I waited for about 5 business days to receive my new card hoping that this nightmare was over but later received a call from Wells Fargo Customer Service that the new card had been compromised. They said that they noticed that I did not activate my new card ending in XXXX as yet transactions were going on that card. They stated that they would send me out a new Card which is now a second card this one would end in XXXX. I finally received that card and yet again unauthorized transactions were still going on and that card had to be shut down. The last card that was sent to me was XXXX and I finally received that still attached to the letter it came in and the transactions still going on. I'm still in contact with Wells Fargo throughout all these unauthorized transactions. I asked them if they could just freeze my account but they said its not that simple so that request made was denied. In all I have three new debit cards that have all been compromised. I had several claims put in to the bank and so has my mom and all have been dismissed stating that it was either myself or someone i know or gave permission. I am stationed in XXXX XXXX and my mom lives in XXXX XXXX. All of these transactions ' purchases and ATM withdrawals from Wells Fargo Banks happened in XXXX XXXX, XXXX XXXX XXXX and XXXX Florida. Whoever it was would repeatedly take XXXX to XXXX dollars about 7 times at once. First off when these transactions happened, I could not leave my station. My mom also told Wells Fargo she can and will give proof to where she was. We have co operated fully and they have still denied our claims. All unauthorized transactions total XXXX. We have spent months asking for Wells Fargo to pull footage from their cameras at the three Wells Fargo locations where money was withdrawn, and they have refused. I have never lost my atm card nor has it been stolen. It was always in my possession. There were XXXX trips around XXXX on my statement and XXXX XXXX and XXXX XXXX purchase ( in Store ) and they refuse to investigate thoroughly. As a member of the XXXXXXXX XXXX I should not be treated this way. As a customer of this bank that can see my transactional history, they know these purchases are not from me. I had to also call Wells Fargo to alert them that someone had turned on XXXXXXXX XXXX and linked it to all the new cards Wells Fargo has sent me, from phone from three different devices all of which I don't own. There was a XXXX XXXX, XXXX and from a XXXX phone I don't own. Have they investigated this. I have never owned an XXXX phone in my life. They did nothing to protect us from this fraud because calling in and repeatedly reporting it did nothing. Having to wait 10 business days for an investigation and fraud still going on. My mom has also contacted and walked into two bank branches where she lives numerous times and they clearly also admit that fraud took place but said only Corporate can handle these decisions. After continuously going through this my mom decided to close the account XX/XX/XXXX she had opened in XXXX to stop these transactions from going on because obviously Wells Fargo couldn't do anything. I have also filed a police report in my State and have submitted that to the Executive XXXX XXXX email that she provided to my mother. There is an active investigation going on with the police in New Jersey. The police advised me to send my report in and maybe Wells Fargo would honor it and see that I was indeed victimized. I have just recently received a claim letter that was approved ( XX/XX/XXXX ) for {$270.00} from some of the fraudulent transactions claim # XXXX all of my 5 other claims of transactions have all been dismissed. XXXX, XXXX, XXXX. One other thing to note is wasn't until 3 days after I received my bonus from the US Government that these fraudulent transactions occurred. I am still owed XXXX to be returned to me that was fraudulently taken from my account. Wells Fargo refuses to do a proper investigation. This is a cut and dry case because i am XXXX XXXX and why or how can I leave my post and go down to XXXX to make such transactions. This is absurd and I'm sure my Commanders have no problem verifying where I am. My mother has also been fighting so desperately with Wells Fargo but they have dismissed all of her claims as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PLEASE ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME THANKS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX I received an email about a {$300.00} ATM withdrawal which occurred on XX/XX/XXXX at XXXXXXXX XXXX at XXXX XXXX XXXX CA from ATM XXXX. As soon as I saw this email come in while I was at work in XXXX, CA in a meeting, I immediately logged in to my account to see what was going on. I noticed another ATM XXXX withdrawal in the amount of {$700.00}. I then turned off my card on XX/XX/XXXX at XXXX XXXX On XX/XX/XXXX at XXXX XXXX I received an email that my ATM card was declined from XXXX XXXX XXXX XXXX CA for the amount of {$480.00}. On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to discuss the situation and the agent helped me file a dispute for the two ATM charges. I was on the phone with the agent for XXXX minutes. I informed the agent, I had my physical card which was going to expire by the end of XXXX, but that I did see my new card was in the mail. I could see this through USPS informed Delivery which emails pictures of envelopes you will be receiving in the mail. I informed them I had not yet picked up the envelope from my mailbox. When I got home on XX/XX/XXXX around XXXX XXXX I checked the mailbox and this new card envelope was never inserted into my mailbox. After submitting the claim, I waited for the bank to resolve the issue but had not heard anything and called them to get an update. The agent informed me the dispute was denied and that I would receive decision information in the mail. They did not have much additional information to provide. This letter came in the mail today XX/XX/XXXX and this is why I am now submitting this claim with the CFPB. I have banked with WellFargo since XXXX. This is one of three disputes I have ever submitted and my banking history should provide enough reason to prove these were not my withdrawals. If I had not done my due diligence in monitoring my personal email, not only would a charge of {$480.00} occurred from XXXX XXXX, who knows how much else would have been stolen. Wells fargo should take responsibility for not doing their due diligence and approve the dispute and return the {$1000.00} to my account. Especially, considering these withdrawals were taken from Wells Fargo ATMs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91722
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
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: I have Wells Fargo Business checking and everyday checking account. I am travelling out of USA for around XXXX weeks. During this time I tried to send some money using XXXX. Recipient is all setup but Wells Fargo want to send me the access code to my USA registered mobile phone only which i don't have access from outside of usa. I called Wells Fargo during the last 60 minutes and talked to customer service and the supervisor XXXX XXXX XXXX -asked them why they don't have the option to send the access code to Wells Fargo mobile app, registered email-id or another phone number ( virtual phone number ). Wells Fargo representative said that it only send at the registered phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Well Fargo fraud department is getting completely ridiculous after XXXX months. I can never get hold of My case workers, no extensions left on voice-mails and ger excuse, after excuse. I was told Friday to wait until Tuesday to get notified by some XXXX? Don't know a XXXX, I don't want XXXX on any case. Then told some XXXX called me at XXXX XX/XX/XXXX, left voice-mails but nobody can find her, what the heck wells fargo. This company still owes me refunds in unauthorized payments from XXXX XXXX to present. See no change, I never opened any accounts with company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/XXXX contacted Wells Fargo Dealer Services. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. Account : Wells Fargo Dealer Services Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A