Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I was scammed out of {$700.00} dollars from an ATM transaction with the scammer placing a {$780.00} dollar check deposit into my account which did not go through. About XXXX minutes after the deposit happened my account did not accept the deposit check. My account only had about {$650.00} from my authorized transaction earlier that day of a {$20.00} withdrawal. The bank closed my claim on XX/XX/XXXX with the determination that it is not in my favor. My bank account is now {$77.00} dollars overdrawn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
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: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2021 XXXX XXXX - I received ( and still have ) text messages that I had successfully added and removed payees on my Wells Fargo XXXX account. I wasn't doing any of that. I was on the phone with fraud department while the transaction was still happening, telling them I was not participating. The fraudulent person took the maximum amount they could as it was the first time they were taking money from me. At the time, XXXX had a requirement that the first 3 times you send money, the max you can send is {$500.00}. Wells Fargo conducted their investigation and determined that I had added the thief and because I accepted the XXXX, it was my responsibility. They said I gave the money and actively participated in the transaction. I NEVER added those persons to my account, I NEVER authorized the transfer and immediately shut down that checking account to open a new one and have never, nor will I ever, use XXXX again. Even if I do get my money back, I will never use that service again. This was not a case of someone tricking me into sending them money. I never spoke to the thieves, I never interacted with them in any way shape or form. I am certain the IP addresses would confirm that but that seems to be too difficult a task for anyone to undertake. I lost {$500.00} and I am obviously, still mad about it. A part of me still suspects XXXX coders are somehow responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
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: On XX/XX/2023 I did an online transfer of {$200.00} from my personal checking account to my business checking account. This was to cover a {$200.00} payment that was going to cause NSF. Wells Fargo didn't do the transfer until XXXX and hit me with two {$35.00} Overdraft Fees totaling {$70.00}. The local branch Mgr admitted the transfer should've gone through first, but their policy is they can only credit back half of the Overdraft Fee. I was credited back half, which totaled {$35.00}. I've been told that they give at least XXXX for customers to put funds into their deficient accounts before they charge Overdraft Fees, but they keep charging me XXXX later. I was notified by XXXX of a {$5.00} charge on XX/XX/2023 XXXX and Wells Fargo charged me {$35.00} Overdraft Fee XX/XX/2023 XXXX from their email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33770
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have gotten XXXX credit card denial letters from XXXX different credit cards. It seems that someone has my social and has been trying to apply for credit cards. I am concerned and don't know what to do. please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94928
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: this happened on XX/XX/2023 XXXX wired filed a claim and it was closed/denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the afternoon ( around XXXX ) of XX/XX/2023, I was the victim of a scam. The scammer called from the XXXX Sheriff 's Department and he had done some up front work in that he knew I am employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He had also obtained current and previous addresses of mine. The scam was that I had not shown up for jury duty and that I was being charged a Failure to Appear and a XXXX XXXX XXXX charge. He told me the total cost to me would be {$2800.00} and that if I paid right away, I would see the XXXX on XXXX XXXX in one hour and half of the money would be returned to me. As fate would have it, I did miss jury duty during the pandemic and had never received a response to my emails. Also, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I were to receive any legal charges, I could lose my job, and/or my license in an instant. I sent the money over XXXX to some Sergeant whose name now escapes me. I contacted Wells Fargo, where I have banked for 20 years, right away. The lady in the XXXX Department that took my call was empathic and she said she likely would have also fallen victim to this particular scam. As I have mentioned, this happened late in the day on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, indicating that Wells Fargo had completed their investigation and I would not be receiving any funds back. I filed a complaint alleging there was NO investigation of any kind. ( I have had a couple of other scams or unauthorized charges previously with Wells Fargo, and the funds were returned immediately. ) I waited over XXXX months for a response to my complaint and I have emails dated XX/XX/XXXX where I informed the Wells Fargo Enterprise Complaints Management Office ( WFECMO ) that I had tried several times via phone to contact someone who could explain all of this to me. No one from fraud or customer service helped me. Once I was told the case specialist was away from her desk. In another attempt, I spoke to a man named XXXX in the Fraud Department who was very rude, unnecessarily cold, and condescending towards me. He looked up my case and told me it had only been 5 days and that they had XXXX more days to respond. ( Recall I had already received a letter after a day and a half ). So he was basically dishonest and did not want to deal with me. I could not comprehend why I felt punished by Wells Fargo. They also took away my access to XXXX for a period of time. I filed a XXXX complaint escalating my first complaint, and of course, waited for another month to be told I would not be receiving any funds back. By the way, I filed a police report for the scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filing this identity theft report in response to the derogatory remarks that Wells Fargo and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$10000.00}. Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report on 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: 91205
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Prior Wells Fargo rep ( XXXX ) answer to below complaint by referring to prior replies which include various run arounds, which is common for Wells Fargo and has been fined by CFPB with regard to their handling of deposit accounts named herein. ... .As explained in numerous prior CFPB complaints against Wells Fargo XXXX account ending in XXXX was opened by Wells Fargo reps which I did not request... A debit card purchase made under account in amount of {$290.00} from Farfetch.com XXXX XXXX of XXXX, package shipped by XXXX, signature was forged by XXXX driver, package left where it was lost/stolen .... A dispute was filed with Wells Fargo for non-receipt of XXXX XXXX a provisional credit issued in amount of {$290.00}, it was later reversed back out of account, Wells Fargo accepts forged signature as true and correct and refers to purchase as authorized which has nothing to do with non-receipt of item.. Two external funds transfers in amount of {$50.00} brought the account to - {$190.00}, later charged off and sent to a third party collection agency. The Collection agency, XXXX XXXX Solutions, referred account back to Wells Fargo. Despite account unauthorized, Wells Fargo still attempts collection on it. ... Wells Fargo replied in part to this issue by sending me mediation request forms, a total of XXXX of these forms have been filled out, submitted, all marked as duplicate, case number provided for last request, number XXXX which is attached to complaint ... .The letter is dated XXXX of last year, stating a rep would reach out, no one reached out and when I call the number provided on letter, I am told call will be disconnected and refer back to prior mediation in which case, no payment received ... .Needless to say, this is a mere runaround, which is common for Wells Fargo ... The prior mediation referred to is from XXXX and relates to older accounts opened by Wells Fargo which I did not request... The case ID for that mediation is XXXX, I was offered a payment amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00}, payment sent to my old address in error which Wells Fargo reps will not admit to. I requested proof of address verification, nothing provided. Payment was sent in XXXX of XXXX, I moved in XXXX of XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was sent to my old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps initially replied to this issue by referring to check as cashed, in which case, not by myself. When investigated and unable to recover funds, Wells Fargo refuses to reissue check despite their own error in sending check to incorrect address ... I've requested proof of address verification several times, nothing provided ... Attempts were made to resolve issues in good faith, spoke with a XXXX XXXX, later a XXXX XXXX, both manager/supervisors with Wells Fargo , nothing resolved wirh either rep.. Additionally, Wells Fargo has reported the amount, {$5100.00}, to IRS for tax year XXXX, 1099 form is attached to this complaint. I've requested Wells Fargo correct this form to show no such payment received, as they refuse to reissue payment ... Wells Fargo replied to this issue by referring me to a tax professional whom advised 1099 form needs to be corrected, if not, I am liable for taxes on reported amount not received..When I brought this to Wells Fargo attention , they appear to refer back to prior replies which do not address information provided. ..I believe the CFPB can see this is a runaround.. With regard to these issues above, Wells Fargo reps reply with various lines ranging from referring to prior replies, stating litigation is involved, in which case, there is no lawsuit against Wells Fargo under my name and refuse to reply, claim no new information provided and ignore information already provided ... ..In closing, please advise Wells Fargo to correct IRS 1099 form if they will not reissue payment. With regard to account ending in XXXX, their mediation request forms appear to be a run around, I suggest refunding the XXXX purchase in amount of {$290.00} which will bring account to a balance of {$100.00} and refund this amount to me. In closing, should Wells Fargo rep ( XXXX ) refer back again to prior replies, in which case, this bank and its reps have little to no credibility, having been fined by CFPB in amount of XXXX XXXX for handling of deposit accounts named in this complaint, as stated above .... Needless to say, their bogus replies including various run arounds, have no weight or crediiblity... Most recently, a store card, XXXX XXXX XXXXXXXX, was opened in my name, not authorized by myself, requested closed out..This account was reported to credit bureaus, needs to be removed. I've been denied credit due to this fraudulent account. No application filled out with this merchant. I've never heard of this store, have never done business with. There is mention of small remedy/remediation checks in amounts of {$17.00} XXXX and {$50.00} which again are mere remedy amounts, do not cover losses/damages sustained due to Wells Fargo reps opening unauthorized accounts named in this complaint. Neither amount received which is irrelevant, as they do not cover losses /damages including account ending XXXX, XXXX XXXX XXXX XXXX. I was advised by counsel not to cash either check if received, as cashing might release Wells Farro of claims against it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: We began the short-sale process in XX/XX/XXXX. The short-sale was denied on XX/XX/XXXX. The reason for this denial is as follows : To date, this loan is extremely delinquent, ( 70 ) months past due. Extreme delay by the mortgagee in completing the foreclosure process has occurred ; therefore, the property is ineligible for inclusion in the Pre-Foreclosure Sale ( PFS ) program. The mortgagee failed to initiate the foreclosure action in accordance with 24 CFR 203.55 ( b ). Once HUD is made aware of this, HUD will deny the properties eligibility to be sold through a PFS. The mortgagee has been instructed to complete the foreclosure action and to make any necessary repairs ( if needed ) prior to conveyance to HUD. We feel this ruling is unfair for the following reasons : 1 ) The delinquency of noted of ( 70 ) months was created by the death of the borrower in XXXX, followed by the death of the borrowers next of kin in XXXX, in which this time frame included the pandemic. A new family member had to be legally appointed as administrator of Estate and as of XX/XX/XXXX has been successfully named. These are mitigating circumstances which should be taken into consideration. 2 ) HUD also sites that the mortgagee ( Well Fargo ) failed to initiate the foreclosure action in accordance with 24 CFR 203.55 ( b ). Any error or impropriety in the filing of the foreclosure process is not the fault of the borrower and thus, the borrower should not be held responsible for that issue created by the mortgagee ( Wells Fargo ). As a matter fiscal practicality, HUD 's decision to continue through to foreclosure is fiscally impractical. The amount owed on the property is approximately {$210000.00}. The BPO on the property is {$160000.00}. The property is currently vacant, boarded and has been severely vandalized and in it's current condition not worth the current amount of {$210000.00}. Additionally, the property has an outstanding water bill of {$20000.00} which must be paid by any potential purchaser at time of closing as well as well. In HUD 's response, they also state that " The mortgagee has been instructed to complete the foreclosure action and to make any necessary repairs ( if needed ) prior to conveyance to HUD ''. These requested repairs by HUD will cost a significant amount, easily reaching $ XXXX as 3 floors and a basement must be cleared out and measured by the HUD standard " CUBIC FOOT ''. Additionally, the process to complete sheriff sale from today 's date, ( XX/XX/XXXX ), will take at minimum ( 6 ) months, which means at a minimum ( 2 ) more quarters of property taxes will be due along with the forced casualty property insurance policy payment, vacant property registration, which is progressively punitive because this property being vacant for years is a repeat offender. If HUD 's stated reason of the denial is due to the delinquency being ( 70 ) months and/or ( 70 ) missed payments, their decision the extend the situation several more months only serves to make matters and fiscally makes no since, when the matter can be resolved in 30 days from the date of this complaint ( XX/XX/XXXX ). We feel it's for these reasons HUD 's position to force the mortgagee ( Wells Fargo ) not to accept the short sale and move to foreclosure is absolutely the wrong decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States | have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A