Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 60 days late 3 times and then 30 days late. This has damaged my credit worthiness and is extremely troubling. I am sure the WELLS FARGO DEALER SVC is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late. They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. 1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account. 2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date. 3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date. If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others. If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report. I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX and was denied by Wells Fargo. As per 15 U.S.C. 1691 ( a ) ( 3 ) it's illegal to discriminate against any applicant with respect to any aspect of a credit transaction. I have attempted numerous times in a private setting to resolve these issues with Wells Fargo. I have sent an Adverse Action letter, two ( 2 ) Notice of Default & Opportunities to Cure, and three ( 3 ) Bills of Particulars. All signed by me, notarized and sent via certified USPS, w/ return receipt. Wells Fargo has been complicit in breaking the law and I have been forced to submit a complaint in AZ District Court. On XX/XX/XXXX I will be submitting the complaint, unless Wells Fargo responds to my demands & complies with federal banking & consumer law. This is my third CFPB complaint & nothing has been done on Wells Fargo 's end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO CARD XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Fraud accounts that are open has restricted my current account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have XXXX credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX and XXXX of this year ( 2023 ) {$410.00} for a total of {$820.00}. I have no memory of receiving a bill or email for this amount and I didnt authorize them to be paid by bill pay. The following months XXXX, XXXX, XXXX, my personal banker and branch XXXX was no help. It was like they was covering for the scammers. Most people I had contact with would say, you authorized it. I didnt authorize it. Why would authorize a scam. XXXX XXXX have XXXX issues. I think the scammers are Well Fargo employees, it has to be a inside job to set up a XXXX account, somehow authorize payments. My dispute # with Wells Fargo is XXXX. All they say is, you authorized the XXXX payments.Nothing about the XXXX account, with a due date XXXX of the month. My account has always been XXXX of the month. So I have XXXX due dates, XXXX and XXXX. I ask them why, no answer. I have talked for hours on the phone, in the end of the day, they say you authorized them. Nothing about a scam, they covered for the scammers and helped them. I hope this makes sense, if not let me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Wells Fargo & Company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, On XX/XX/23 I received a call from Wells Fargo Customer Service number XXXX ( XXXX ) XXXX and they went through some attempted fraudulent charges on my account. I told them all of these charges were fraudulent and I wanted to proceed with pressing criminal charges. I told them I didnt want a new card at this time and I would updated my password and PIN. While I was on the phone with the Wells Fargo, I received notification emails that my current card had been added to XXXX play on a XXXX device ( not authorized by me ), then an email that I had requested a new card ( also not authorized by me ). I also noticed {$390.00} had been transferred from my savings account to my checking account ( also not authorized by me ). I called Wells Fargo back and told them all of the above information, we went through recent charges and I told them the {$100.00} and {$400.00} atm withdraws from XXXX were fraudulent and submitted a claim. I was told it can take up to 10 days to resolve the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Effective XX/XX/2023, Wells Fargo transferred my mortgage to XXXX XXXX. I paid my XXXX mortgage payment on XX/XX/XXXX. My XXXX credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to XXXX on XX/XX/XXXX. I need Wells Fargo to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with Wells Fargo that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and Wells Fargo has the same practices. Wells Fargo added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Recently a credit card payment was automatically debited from my Wells Fargo checking account as per my credit card auto pay schedule. However, I didn't have enough money in my Wells Fargo checking account, which I wasn't aware of. As soon as I received an email from Wells Fargo informing me of this overdraft, I moved money from a savings account into my Wells Fargo checking account to cover the amount of the overdraft. This process is instant, and the money hit my WF account within an hour after receiving notice that my account was overdrawn. However, Wells Fargo charged me an overdraft fee, even though their policy is a one day grace period. When I called Wells Fargo, they claimed that the overdraft fee is calculated from moment the account is overdrawn, not from the when the notification of overdraft is sent. I think this policy is deceptive and unfair. If Wells Fargo wants to claim they give a one day grace period to put sufficient funds into the account, that period should start when the customer is informed that their account is overdrawn. It is not hard for them to automate a system to immediately email or notify me when my account is overdrawn. I do not control when bank actions, debits etc, are processed, so it's incredibly onerous to expect me or any consumer to constantly check their account to see if a transaction went through and thus there was an overdraft and the overdraft fee clock has started. This is in fact not a one day grace period and seems to be just another gotcha to collect unfair junk fees from consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A