Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a victim of fraud. My banking account was used for a XXXX purchase for a scam. Neither XXXX or my bank has helped me resolve this issue and receive my money back. They did not even reach out for more information or proof etc. I've trusted Wells Fargo to insure my accounts and they have failed in this case. I have long conversation of the person who scammed me admitting to the scam and I have all his details and family member details and have been waiting to file a police report if necessary. I also have evidence of others he has done this to making it a felony offense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am still missing my Direct deposit from XX/XX/XXXX my paycheck was sent to my bank account, and I have not received my funds which has caused my rent check to bounce. I am single mother of XXXX and now I have late fees due to unpaid rent and someone is holding my paycheck the payroll department says it is ACH and so does the bank I see the deposit was sent to my bank but apparently my bank has no record of this deposit. I really need help everyone is pointing the finger, but NO ONE will help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86406
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Wells Fargo reported me for late payments while having an active investigation as to why I was not receiving any mail or emails from them regarding my statements or when my payments are due. Upon disputing this they informed me that I have other ways I could have found out and paid the debt, to which I informed them I could not create an online account due to bank error with not having my social on my account. Once that was corrected I was able to. Because of these they reported me to collections and now my credit score has tanked for their bank error violating my UDAP rights by treating me different then other consumers. After this I requested to speak with a manager as my case worker just told me that I was wrong and she was right and theres nothing to be done from there. I have requested 5+ manager callbacks from Wells Fargo and have never once received a call from a manager to assist me in the matter. They have also ignored numerous complaints that Ive made and just ignored me while making them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: On XX/XX/XXXX, a decision was entered in the courts of the intention of Wells Fargo Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the covid-19 pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. Again neither my lawyer or I was informed of a decision by Wells Fargo 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a letter in the mail stating a determination to sell at auction on XX/XX/XXXX. The fact of the matter is that it was never proven in court that Wells Fargo had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the paper trail of legal acquisition of the mortgage was never proven in the court of law. Wells Fargo could not prove how they gain ownership to the mortgage on my property. Since then twice there was a case for foreclosure of my mortgage without my knowledge of the case filed or date of court appearance. These cases were pursued and conducted in the courts to foreclose and a second notice of intention to auction off my home has been sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I requested a method of validation on XX/XX/2023. The collection agency has yet to respond correctly. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/, I reached out to Wells Fargo in regards to a remediation check I never received for an account that was closed/frozen, while they continued to assess fees. I received a Fraud Packet to complete, with a copy of the forged check. I promptly returned the fraud packet, using the prepaid XXXX return envelope that was included in the packet. As of today, I still have yet to receive a definitive answer from XXXX XXXX XXXX', the third party Wells Fargo has contracted with to handle remediation check issues/customer service. I have reached out to Wells Fargo several times since learning of my check being fraudulently cashed, and voiced my concern why 1. ) it was allowed to be cashed when they have my signature on file on a signature card for previously held accounts, and 2. ) why it's taking so long to resolve the issue and send me a replacement check. Wells Fargo Representatives do nothing but defer me to XXXX. When speaking to XXXX, they are very VERY vague in their response to questions, and their repeated promise to have someone call me back about reviewing my Fraud Packet and whether or not a replacement check is going to be -- or has been -- sent, is NEVER kept. No one EVER calls me back!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was looking for a place to temporarily rent while I was studying for school. I had posted on XXXX about my inquiry and was responded to by a leasing agent. I went to go see the apartment and it was a good fit. I later sent in a deposit through XXXX on XX/XX/23 for {$1100.00} to XXXX XXXX XXXX Later I found out the person who had me send the money was not who they said they were and were not the owner of the home. I called my bank ( Wells Fargo ) to report the renters fraud and asked for a call about the status since I was not at my banking address. I had also reported to the police and provided my police report as well as the leasing documents to my bank. A week had passed and I had not heard anything back from my bank so I called and followed up. They informed me they canceled the claim and they sent a letter to inform me. I told the representative that I asked for a call or email as I was traveling to complete clinical rotations for grad school. I reopened a claim again and then the same thing happened, they closed the claim and sent a letter so I was unaware. I called again and again and was told it was told one time they could not reverse the payment because I sent the money and it was through XXXX not my bank. I also received no response from a help email sent to Wells Fargo. This happened months ago and today I heard a coworker on the phone talking to a banking representative for fraudulent payments. The representative was completely blowing her off and even said they forgot to submit her first report and later I asked if she had Wells Fargo and she responded yes. I told her good luck getting protection or your money back I was not helped at all and have even thought about leaving the bank from my experience. She told me she was reporting it to this site which I had no idea it was an option. Praying I can somehow still get help since this was a big payment for someone in graduate school and not making an income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo denied 1 of 2 claims from merchant but both claims are the same thing. Same merchant same problem, unauthorized and no services were received but the want to deny my claim 3 months lather and are taking money from me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A