Date Received: 2023-11-11
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: I submitted a dispute to Wells Fargo. I was charged for something that was the wrong product and I returned it. I submitted the email sent from XXXX and the tracking for the product I returned. Wells Fargo have not handled my dispute properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX, 2019 Wells Fargo closed my account for no reason after banking with them for 2 years. This greatly inconvenienced me as I had to find a new bank, open a new account and update my direct deposits and payment methods. When asked about why my account was closed, they had no reasonable explanation. Due to this, I would like to take part in the class lawsuit currently against them in order to be compensated for my time and money.
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: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My only grief is with Wells Fargo. I have been a member before Wells Fargo with my bank. I originally was a member of XXXX. XXXX is when I step my account but in XXXX is when I close them or try to in XXXX of this year my account was subject to a very unwarranted takeover from Wells Fargo fraud who, in fact was wrong, and no fraud had occurred, but the only fraud that occurred is when the members of this bank as in the employees would come and harass me for money after they saw my bank balance Im a very simple man I dont need much and my retirement money that I was having saved in this account was supposed to be for my son, my baby and my pride and joy but that money was stolen by employees that work where I live I tried to warn them Ive done so many complaints, so many escalations and throughout the entire time, the Wells Fargo team members dont care Ive been called a Foster when I know everything about myself except for what color suit I wore to prom because I did not go to prom, I have countless emails of me emailing the executive team asking them. When will I get my new account number and the whole time I believe that Wells Fargo just left me alone with the person who is infiltrating my account and I was told not to interact or contact them, but I could sit and watch whoever had access to my account spend my money my hope and my only inclination is that they are doing some type of stinging operation and theyre going to catch this person but here I am and I was just notified that my accounts are getting closed because Wells Fargo did not do their job your account takeover team got taken over by someone that was not me can you believe that person single-handedly fooled the entire bank of Wells Fargo into thinking that they were someone that they are not Im talking identity theft to the XXXX I asked Wells Fargo to suspend the phone service for automated system. I asked for a new account number and I asked when will I be able to recoup my funds and I have only received emails that are pre-generated asking for more time and this is very disheartening.. I have multiple messages and interactions with Bank employees that have searched my name up and started begging me for money off of the Clock. Even on lunch break sometimes yes Bank employees have searched me up while on the phone called me while theyre off work and begged for money it got to the point to three of the as one named XXXX one named XXXX , one named XXXX and another female. I dont remember started to blackmail me into giving them money in order to unlock my account. The only reason I didnt I believe in my account was being generated and made for me the whole time. Nothing of the sort existed, Im out close to {$30000.00} and Wells Fargo can not care any less. Wells Fargo also has stolen {$5000.00} worth of checks from me and withheld {$16000.00} worth of checks to my son that was written to him, causing his account to get close when in fact they were real they stolen my checks, because when I went to the ATM after receiving a card in the mail, I called Wells Fargo and asked them is this my new account and they said yes to me it was a new account to them it was not but how am I supposed to know I was getting no communication except for them asking for more time they still have my checks have not returned them and I need money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: An unauthorized charge was done on Friday, XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$910.00} was performed at a XXXX XXXX in XXXX, XXXX XXXX, CA. XXXX hours away from him home. I called Wells Fargo bank immediately when it happened as it overdrew my account. They stated the chip was inserted and pin used but My wide and I verified we had the card in hand at that moment so that would be impossible unless our card was skimmed and cloned somehow. Also, the fraud claims department was not open until Monday so we were instructed to call back then. I called back Monday, XX/XX/XXXX and Wells Fargo XXXX they would provide a provisional credit while investigating. There was no follow-up and on XX/XX/XXXX Wells Fargo reversed the provisional credit and said their decision stands because a chip was used and pin and it cant be duplicated. This fraudulent charge was not investigated whatsoever and Wells Fargo is not providing the protections for its members i this case where skimmers were able to clone the information and card. I filed a complaint and they stated it would take XXXX business days for someone to contact me. This is very disturbing as Ive been a long time customer, with several products and place over XXXX in deposits each year. The transaction was a one-off charge with no other activity within the vicinity. Wells Fargo needs to do a better job at investigating these matters and communicating progress and decisions with its members. You could tell they were just going through the motions and just because they had some sort of description that stated chip inserted It this is not possible when I had the card in hand. I thought Wells Fargo would do better in this situation but pretty much wiped their hands clean of it and put the financial burden on me. I want my credit returned as this was an unauthorized fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-11-11
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Wells Fargo XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
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: 2023-11-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I detected that funds were being transferred out of my accounts without my authorization. Within XXXX hours of me learning this, I called Wells Fargo, reported the incident and reiterately indicated that the transfers were fraudulent and they have to be stopped immediately. Non the less, WF executed the transfers the next day, XX/XX/XXXX. Since then, I have been communicating with several bank 's departments but in all cases WF rejected my claims. I, and also the XXXX XXXX XXXX office, requested the transcript of the conversation we had with the WF agent on XXXX and it was never provided. The attached files detail and document all the steps I've taken to have WF respond positively to my claims, but to no avail. Since the last entry to the file above there were more interactions with the bank : XX/XX/XXXX Learned about WF Mediation Option. Applied for it and sent all documents t to the bank. XX/XX/XXXX WF Enterprise Concern Management Office rejected again my claim. XX/XX/XXXX Enterprise Concern Management Office, after my calling, offered to reopen the case. XX/XX/XXXX Letter from WF rejecting to participate in mediation. XX/XX/XXXX Enterprise Concern Management Office again rejected the claim. After I checked with a couple of attorneys specializing in banking matters from whom I learned that because of the relatively small of the funds involved they would not be able to take my case. I learned about your office and I'm sending this claim as last resource.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquires were acknowledged but not by me. I have no acknowledgment of these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Request for Evidence and Resolution of Unauthorized Transaction I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XX/XX/2023, involving my Wells Fargo account. On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. In response to this incident, I promptly reported the fraudulent activity to your customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. They will not provide that evidence to me! As a loyal and long-standing customer of Wells Fargo , I have entrusted the safety and security of my financial matters to then institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. Although they say they have concluded their research they have yet to prove to me that they, Wells Fargo, did not commit this fraud. Please require Wells Fargo to provide that evidence. This has devastated my life! Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XXXX XXXX XXXX was not the initial mortgage company that I had when I purchased the house. I was having problems with my payment after being downsized in XXXX. Caught up until XXXX. I contacted XXXX XXXX and explained the problem. They said they could help. With a modification. Sent papers for me to complete. But instead of helping me they increased payment more than double.and added an additional XXXXXXXX XXXX on to my mortgage In XX/XX/XXXX. I wanted to know where the additional XXXX came from. because I couldn't keep paying this high amount. And wanted this corrected IWhen I requested another modification. They sent documents that I didn't think they wanted to. Because it had documents shwing that they refinanced my home without my knowledge was that wa assigned a worker. I received 3 different letters naming 3 different people. XXXX of XXXX I was sent a letter saying that they had no program to help me at the time. .The pay off date for my mortgage is XXXX and I am sure I won't be alive. I am XXXX XXXX XXXX now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Year after year after year it is the same story, NO COMPLIANCE!! I am here as a lifetime customer to tell you what each of you already know, still NO COMPLIANCE!!! Now the last time I talked to someone at Wells Fargo, I said I had talked to a small circle of customers about these orders and not 1 were aware or had been compensated. And before it is said, yes, they should have been included in multiple orders. I would hate to see what would happen if I stood outside a branch or two of local Wells Fargo branches and started asking customers questions?! I have done everything by the book. I have several CFPB orders to no avail, FDIC, ECO and now I am just saying this I have been a customer since XXXX ( per date on my debit card ) I have actually been with them longer, when they were XXXX I was a customer ( XXXX ) I have NEVER received ANY notification from said Financial Institutions about ANY order!!! I WILL NOT GIVE UP!! They know they did me wrong!! They know they did not contact customers like they were supposed to!! HOLD THEM ACCOUNTABLE!! I may not be a huge STAKEHOLDER, but my VOICE is MIGHTY, and I will use it to expose your lack of care for your XXXX, longtime customers!! Your incompetence for following orders, and continued consumer abuse!! I can't access all the years of my overwhelming overdrafts you hit me with, however the average was {$300.00} a year of the one 's you did give me access to so ..... XXXX {$9900.00} DO WHAT IS RIGHT!!! SINCERELY XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A