Date Received: 2023-11-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Discussed with Wells Fargo over 10 years ago after I had closed my account inquiring if any action or additional charges were pending on account. Wells Fargo stated my account was closed and clear without any delinquencies. I received a callXXXX from a process server stating I would be served papers. They stated my account was sent to their federal financial team due to a possible overdraft and will be suing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a bill of {$2300.00} issued to be by bilt mastercard ( wells fargo ). I paid {$2300.00} but forgot the remaining {$30.00}. When I received my bill on XXXX that remaining value was charged {$22.00} in interest. I don't understand why this is when my APR is 25.49 %. I called the customer service line of wells fargo to fight the charge but they told me that the XXXX is charged daily, 24.49 % every day. I told them it's an annual charge not a daily charge and this has never been advertised to me as a daily charge because the name itself implies annual. I think this is predatory and they're misleading customers to gain profit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I often monitor my credit report and noticed today that there are 2 inquiries on my credit report that I did not initiate so I called both credit card companies one is investigating and the other I am on the phone to make them aware that this is fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Summary : {$3000.00} were withdrawn from my Wells Fargo checking account without my knowledge between XX/XX/2023 and XX/XX/2023. Details : On XX/XX/2023, I received 2 email messages from Wells Fargo bank saying that my balance on my checking account has reached XXXX dollars. Upon calling them that day, I found out that there had been XXXX withdrawals from my checking account totalling {$3000.00}. I have not made these withdrawals, nor was I aware that they were made. My Wells Fargo debit card has been in my possession through this time. I called the bank. The customer representative to whom I spoke opened a claim for me. Over the course of the following XXXX weeks, I received several email messages from Wells Fargo with the Subject Line 'We 're processing your inquiry, '' but that had no content in the body of the email messages. On Friday, XX/XX/XXXX, I visited the Wells Fargo branch on XXXX XXXX in XXXX and spoke with a banker, XXXX XXXX. I told him I have not heard back regarding my missing money He said he would escalate my claim. On Sunday, XX/XX/XXXX, I received an email from Wells Fargo saying " Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Well respond within XXXX business days from the date you contacted us. If we need more time to research and respond to you, well let you know. On Thursday, XX/XX/XXXX, I received an email from Wells Fargo saying I had a " New XXXX secure email message from Wells Fargo. '' Upon following their instructions, I read the secure message, which said my claim has been denied. The missing money has not been returned to my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a payment of {$35000.00} was wired to my XXXX XXXX XXXXXXXX Account. XXXX ) The following day, XX/XX/2023, I wrote a {$25000.00} check from my XXXXXXXX XXXX account to Wells Fargo. XXXX ) On XX/XX/XXXX, the deposited funds were noted as available in my account. XXXX ) However, on XX/XX/XXXX, around XXXX XXXX, I received a text message from Wells Fargo, informing me that I would not be able to access the funds in my account. XXXX ) Frustrated and concerned, I visited a local Wells Fargo branch around XXXXXXXX XXXX on XX/XX/XXXX, specifically the branch located at XXXX XXXX XXXX, XXXX, VA. The banker I spoke to informed me that the bank had the right to hold any check deposited via my mobile device for up to 10 days and that my funds would not be available until XX/XX/XXXX. When I inquired about the criteria triggering the hold, she explained that there was no fixed criteria, and they had the discretion to hold funds as they saw fit. XXXX ) On XX/XX/XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, MD, and met with XXXX XXXX, the Branch Manager. I presented my bank statement, clearly showing that the funds were already in my XXXX XXXX account at the time of the deposit into Wells Fargo. XXXX XXXX, too, was puzzled by Wells Fargo 's refusal to release my funds. He dedicated 45 minutes to advocating on my behalf, even contacting Wells Fargo 's fraud prevention unit, but unfortunately, his efforts were in vain. XXXX ) To this day, I have not received a satisfactory explanation for why my funds are being held by Wells Fargo. I was simply told that the money would be released on XX/XX/2023. Wells Fargo 's actions amount to fraudulent behavior, as they are withholding my money without any valid reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Wells fargo, keeps changing " agents '' as soon as one agent finds out the truth, and starts settling with me, Wells Fargo management " changes the agent, " delaying '' the settlement '', year after year. Is there any regulation, that requires a bank to show a, signed and true copy of any " cure notice '', that the customer " received '' before any property was taken. WELLS FARGO has " failed to show any notice " ( now the new agent ) ( can't find any record ) ... ... ... ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, the account owner, shared with her daughter, that she ended up writing a " double check '' to the mortgage company in XX/XX/XXXX because her first check had never been received by them and that she was not sure " what happened to her original check '' because she mailed it directly from the XXXX, GA Post Office. her daughter immediately set up an appointment for her mother and herself to meet with Well Fargo in person the next day at the XXXX XXXX XXXX XXXX in XXXX, GA During this meeting, the account owner added her daughter as a joint owner to the account. After explaining the situation, the female WF rep reviewed the account, and provided a copy of the " missing/lost '' Check # XXXX ... which proved to be a whitewashed check made payable to XXXX XXXX XXXX in the amount of {$1100.00}. The Original check was made payable to XXXX XXXX in the amount of {$500.00} representing a recurring monthly mortgage payment of the same amount. If Wells Fargo invested in and used Software Algorithm programs used to monitor this type of irregularity in a customer 's account ( especially a senior client ) they would have noted that was NOT NORMAL activity and should have flagged it and not processed it. Other institutions use this software and are capable of identifying this type of activity before it negatively impacts a client -- especially a senior client. Again, the original check was made payable to XXXX XXXX in the amount of {$500.00} -- well above the typical amounts of check written on this account. The rep told us that this should have been reported withing 30 days and a claim was opened -- which was denied. because of the " 30 day factor ''. The primary account owner then met with XXXX XXXX on XX/XX/XXXX at the XXXX XXXX branch in XXXX XXXX, GA and asked for a re-review of this decision -- which was again denied on XX/XX/XXXXXXXX and again on XX/XX/XXXX. During the Summer we were dealing with health issues and multiple deaths in our family. On XX/XX/XXXX, we again appealed for a re-review of this case via a phone conversation with XXXX XXXX of Customer Advocacy. This activity was reported to Wells Fargo as soon as account owner shared the information with her daughter. Again, Seniors are often slow about identifying this type of activity and then are often embarrassed to ask for assistance in rectifying as they are afraid that their independence to handle their own financial affairs may be questioned. It is absurd that Well Fargo is refusing to refund the money to account owner 's account because of a " 30 day factor '' not being met especially since 1 ) They acknowledged that this is indeed fraudulent activity 2 ) They have insurance to cover this type of activity -- this {$1100.00} amount is miniscule in comparison to their insurance coverage 3 ) They are not actively using algorithmic software to monitor for these type of account irregularities and 4 ) They are not exercising a spirit of being customer focused and protecting the interests of their XXXX clients who are often vulnerable to fraudulent activity. We are respectfully requesting that the {$1100.00} be refunded to account owner 's account immediately. She is a XXXX client living on a fixed income and is currently in need of making substantial repairs at her current home in preparation for selling it and moving to another housing option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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: Planned a trip to XXXX with my adult son and tried to book a XXXX for 5 nights XX/XX/XXXX to XXXX XXXX, at On the XXXX XXXX in XXXX XXXX using XXXX XXXX website on XX/XX/XXXX. Realized that the room type was in error and did not have two separate beds as purchased ( even though it was their error, their website said you can make changes or cancellations ). The same day I tried to contact XXXX XXXX to fix the reservation via phone, website ( by sending a direct message ) and e-mail and could not get in touch with anyone there. XXXX phone number was disconnected, my confirmation was sent via a no reply e-mail, no valid e-mail was provided to contact XXXX, and no one responded to my message. Additionally, I tried to contact XXXX XXXX XXXXXXXX XXXX directly via e-mail, phone and website and no one responded. XXXX XXXX XXXXXXXX never sent me a confirmation for XXXX ( but they did respond with a confirmation for the XXXX reservation ). I had already spent XXXX on plane tickets and our trip was less than 2 months away. Since there was no way to get in touch with XXXX or XXXX XXXX XXXX, I started to worry that I was going to get on a plane for 10 hours to XXXX and have no hotel to stay at and felt forced to make another reservation with XXXX for the same hotel and dates. When I got to XXXX XXXX XXXX in XXXX XXXX, there was only one reservation for a XXXX XXXX under XXXX which I paid via XXXX. There was no additional reservation under XXXX so ultimately, they can not bill me because they did not provide me with any services. According to complaintsboard.com, accessed on XX/XX/XXXX Lol.travel has been receiving a lot of negative feedback from consumers lately. Many customers have complained about the poor customer service provided by the company. They have also reported issues with booking and cancellation processes. Some customers have even claimed that they were charged more than the advertised price. Additionally, there have been complaints about the lack of transparency in the company 's policies. Overall, XXXXtravel seems to be struggling with providing a satisfactory experience for its customers. I had tried multiple times via email, phone, and direct messages on their website to get in touch with XXXX and XXXX XXXX XXXX XXXXXXXX prior to travel to modify the reservation due to their error or cancel it if they could not provide me with a suite with two beds as promised for me and my adult son. Additionally, their cancellation and modification policies were not clear and ultimately XXXX did not provide me with any services as there was no reservation for XXXX at XXXXXXXX XXXX XXXX so they cant continue to bill me. Filed a dispute with Wells Fargo but they refused to help me, havent let me speak to a supervisor, nor kept me up to date with the status of the dispute. They now expect me to just pay the bill on XX/XX/XXXX. Ive already paid XXXX for a hotel stay I was forced to make because I couldnt confirm I had a reservation with XXXX, now Im supposed to pay another XXXX for a non-existent reservation because XXXX are crooks and Wells Fargo doesnt care about my business. Im very upset, I have excellent credit, and have never not paid a bill nor ever made a late payment but Wells Fargo like XXXX doesnt care about their clients. Wells Fargos apathy enables crooks like XXXX Travel to take advantage of customers because they know the banks will do nothing to protect their customers from fraud even though they claim to do so. Its all very upsetting and I hope you can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am missing my paycheck due to the ach error that is happening. Wellsfargo and XXXX have not sent out any correspondence or given their employees any guidance as how to handle questions about this. The customer service representative didnt even know whats going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had fraudulent activity on my Wells Fargo credit card totaling more than {$2000.00} and the company denied my fraud claim. On XX/XX/XXXX Wells Fargo texted me asking if two purchases ( {$850.00} at XXXX XXXX and {$830.00} at XXXX XXXX ) were authorized by me. I immediately responded N, the prompt to indicate these were not my charges. Wells Fargo responded that they were freezing the card immediately. But more charges came through, anyway. {$210.00} at a XXXX, {$50.00} at a XXXX XXXX XXXX, {$18.00} at a breakfast cafe, and {$7.00} at a cookout restaurant. None of these charges authorized by me. I called Wells Fargo to report the fraud on XX/XX/XXXX and was told that it would be resolved in 7 days. I was asked if the credit card was in my possession, to which I said yes. But the history of the card shows that it is rarely used so it is unclear how the information was stolen. The claim was not resolved and the charges were ultimately put back on my credit card, and I called Wells Fargo again to understand why. The agent told me that because the credit card was in my possession, I had authorized the charges. The agent then said if I wanted to appeal the rejected claim I would need to show evidence or file a police report. I have no evidence to share and I am incredibly frustrated that Wells Fargo would make this process so difficult. Especially since Ive banked with them for as long as I have. ( Since XXXX ) I will be changing banks after this, partially because of the terrible customer service, but primarily due to the lack of security. It is incredibly concerning that fraudulent activity wasnt detected on this card when the charges were made and that when I alerted the activity wasnt me the company failed to freeze the card like they claimed to have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A