Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/ two unfamiliar checks were deposited into my checking account. On the online statement the amounts are shown as {$1700.00} and {$1700.00}. Both were made in A BRANCH/STORE # XXXX & # XXXX. However, for the first time today XX/XX/, I saw images of the deposited checks and the amount on the checks are different to what it says on the account. The amount on the checks are {$3500.00} and {$3500.00}. On XX/XX/2023, {$7000.00} were withdrawn from my account. Leaving me in a negative balance. The notation on the statement says " DEPOSITED ITEM RETN UNPAID - PAPER XXXX '' That same day, I submitted a fraud claim with Wells Fargo claims department. They provided me with a claim number # XXXX. I was told it could take up to 10 business days for a resolution. Today I called to follow up and I was advised that the claim had been closed. The reason being is because they said the signature on the checks matched the signature on file and that a state issued ID was used in this transaction. The signatures on the check were not made by me. I am a victim of fraud and because of Wells Fargos lack of due diligence, they have prolonged this case. My account remains in a negative balance and all of my monthly payments that I make with this checking account are being rejected which will eventually cause credit issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
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
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a savings account. On XX/XX/XXXX, I went to a branch location, so I could apply the {$520.00} offer I saw for existing savings accounts. The banker tried her best to apply the promo, but there was no option to apply the promo code. She called tech support and they opened a ticket to look into the issue ( XXXX XXXXXXXX ). Since I was not sure when/if the code was applied, I acted as if the code was applied on XX/XX/XXXX, just so I did not deposit the money too late. {$25000.00} was successfully deposited on XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to ensure the code was applied. I was told that the bonus would be tracked manually. On XX/XX/XXXX, I called Wells Fargo to check the status of the bonus, since I was not sure when the clock on the bonus started ( whether it would be backdated to XX/XX/XXXX or another date ). I was told that the code had actually been applied on XX/XX/XXXX. I am now past the 90+30 days for the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I signed up for text alerts and they dont send alerts. In the middle of the night charge overdraft fees. They charged me so many fees. Because their system is not working.The bank said that alerts were perks and they dont have to. I filed a complaint. No resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
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: My issue is with Wells Fargo Bank Checking Account. I had funds in my account on XX/XX/23 and I was charged overdraft on XX/XX/23. I called the bank XX/XX/23 and they gave me a partial refund of {$17.00}? Why give a partial refund? I also have a deposit pending with Wells Fargo on XX/XX/23 which should have posted XX/XX/23. It's now XX/XX/23 and I've been charged again for overdraft. Can Wells Fargo hold a deposit while they charge overdraft fees? Technically they are the ones who have my money so I can't do anything until they decide to post my deposit while charging me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Ive requested several times for explanations on their overdraft fee policies over the phone. I was given 2 back and it still occurs weekly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
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: In XXXX XXXXmy account was assessed a late fee of XXXX XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of Wells Fargo and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXX. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. Wells Fargo had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
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: 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 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end 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: TN
Zip: 37130
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/27 there were three unknown pending transaction on my account : 1XXXX XXXX XXXX for {$4000.00} from XXXX CA XXXX 2- XXXX XXXX XXXX XXXX for {$710.00} 3- XXXX XXXX XXXX XXXX for {$710.00} The transaction were reported to the bank while they were in pending status, we told them the transaction weren't made by us or anyone we know. They open a claim, we were told it could take up to 10 business days to resolve. On the 10th business day of the claim we got a letter email that said that the findings on our claims show no error on our account and that the claim was close and it can not be reopened. We call the bank right away and ask about the investigation and we were told that information cant be shared, that it needs to be requested to a different department. We finally were able to get to the right person and requested proof of the investigation but were told it can take up to 30 days to get it. Its been 18 days since our money was taken from our accounts a total {$5400.00} that were missing, the bank never call us back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Mortgage was paid off in full and closed in XXXX and reported to all credit reporting agencies as 30 days late. Current and Worst Payment Status shows as XXXX days late. This is drastically effecting my XXXX XXXX and effecting me getting another mortgage. I have spoke with Wells Fargo and they don't see any late payment they see the loan paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A