Date Received: 2023-11-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Received call from Wells Fargo informing me of a credit to my account made arm withdrawal and was contacted by wells fargo representative saying my account was overdrawn my account showed money was available for withdrawal miraculously the money that was refunded disappeared now my account is overdrawn by said amount also my ATM card was locked was told I would receive new card in mail never received new card and account is still overdrawn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Today, I am writing this letter because of my dissatisfaction with how Wells Fargo has handled me as a customer regarding an investigation into my account ending in XXXX. I share this account with my XXXX who is active in the Military. We are on a joint account together that has been targeted by fraudsters and yet Wells Fargo thinks that we are behind it. By insinuating that we are either suspects or we know whos doing the fraudulent attacks on our account. They understand scammers are around using skimming techniques to copy atm card and pin numbers that are punched in. They also have a system where you don't have to posses a physical atm card to withdraw funds I went into a Wells Fargo Branch a year ago locally where I reside XXXX to added my XXXX to an account that I held with the Bank from XXXX. Prior to todays issue I had no problems with Wells Fargo that couldnt be resolved over the phone or inside my local branch. Hence, why Im disappointed how they have handled me during this matter. They did nothing to protect us during this time as they took 10 business days to investigate they allowed fraudsters to continue stealing from this account. Let me explain. XX/XX/XXXX, my XXXX received funds that was deposited into our account. XX/XX/XXXX, while browsing our online account ( Wells Fargo ) I noticed an activity that was unusual. There were 40 fraudulent transaction via an ATM withdrawal from XXXX XXXX XXXX XXXX XXXX fl XXXX ATM ID XXXX and a few purchases. I called my XXXX. He informed me that he was on the phone with XXXX XXXX XXXX Wells Fargo XXXXhat alerted him to said fraudulent activities. He is stationed in another State. Well, speaking with Customer service he told them which transactions he legitimately made with his card ending in XXXX and transactions that he had not made. Customer service then proceeded to go through all the transactions at that time that were fraudulent and the total amount at that time was {$1200.00}. Many of which were ATM withdrawals from Banks in XXXX XXXX. Namely in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Now to give perspective I reside in XXXX XXXX XXXX and my XXXX is Stationed up north in another State altogether. There were several transactions from XXXX, XXXX XXXX, ( XXXX Trips that happed around XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX to name a few. All sources that can be verified with thorough investigation skills. I have asked Wells Fargo if they need me or both of us to provide our wear abouts which can easily be done. Im sure the US Government does not have a problem releasing his whereabouts. I can also give evidence of where I was at the time of these transactions. How can one person be at two places at the same time. A question I would ask the claims agent I spoke with over the phone while in the local branch ( Wells Fargo sitting with a Banker. She can also verify the transactions as she had the account open while speaking with the XXXX agent over the phone on ( XX/XX/XXXX ). The claims agent has yet to answer the questions but to told me that they have reviewed my case, and they will NOT be reimbursing the funds that were stolen. Unfortunately, since Wells Fargo doesnt see this as a legitimate case, they have not taken any steps to protect us from further transactions that have continued to go on thus increasing the amount from {$1200.00} to {$3100.00} ( more transactions continued in the month of XXXX until i closed my account ) During the month of XXXX, Wells Fargo issued my XXXX several debit cards ending XXXX to be exact. Why you ask. Well, because the cards were shipped out XXXX business days. Well during the transit period hackers were still engaging in fraudulent activities on newly issued debit cards that had not been physically received or activated still attached to the letter in which they were given. Calls are usually recorded for quality assurance. Im sure Wells Fargo does not mind during this complaint going over those calls to see what the conversation was about regarding my XXXX complaint. The cards had not been activated yet but transactions were taking place that were not authorized by me or my son. They shut the cards down one by one every time alerting him via phone and saying we see that the cards have not be activated yet, but purchases are still going through. I received a card myself to my address where I had to XXXX to my XXXX up North. Wells Fargo called again to say that had been compromised apparently during transit and they were shipping a new card to him at his address. They then informed him that they were transferring the fraudulent purchases to another card to deal with them separately. All these conversations are on record and Im sure Wells Fargo can pull these up. What about the footage from the ATMs in XXXX XXXX XXXX XXXX XXXX XXXX just to name a few. A thorough investigation can adequately prove who is behind these withdrawals. ATMs have cameras. What about XXXX? They have not investigated whose name is attached to the cards on file at XXXX. Im sure XXXX can assist them as well to see who is using the cards that end in the last XXXX digits as my XXXX card. We need to identify this suspect because Im sure this is not the first time or the last time he will steal money from innocent victims. Im sure XXXX XXXX can identify which device is using or has used the card that belongs to my son. As he as a XXXX phone and has never used XXXX neither have I. Someone turned on XXXX XXXX XXXX XXXX in his online banking. The device has a name XXXX XXXX digital card number. My XXXX neither myself have anything XXXX related. He spoke to a Wells Fargo agent to let them know that was turned on and that he turned it off. There were two more digital wallets turned on that were activcated by other cell phones which neither one of us posses. After going back and forth myself with agents inside the bank but mostly over the phone. XXXX XX/XX/XXXX I decided to close said account to stop these fraudulent transactions from occurring. I would like an investigation re-opened on this matter and I can and will provide all pertinent information required to help in the matter so that it can be resolved and me and my XXXX can be reimbursed what we have lost. If this matter is not addressed or resolved I am willing to take legal action to get a resolution. After Closing my account ending in XXXX. I went into yet another Wells Fargo near me to follow-up. The banker, however, heard my complaint. He said he would follow up on my behalf. I have since spoken with him at my local branch and he advised me that he put in an Impact Report of my behalf and someone from Wells Fargo should be in touch. I have filed a complaint with the XXXX which has since closed my case because they attempted to reach Wells Fargo several times but had not been given a response. To update this letter. Due to being persistent. We have received partial funds for one of the claims that they did approve. My question is how are some claims approved and many others from the same date of other fraudulent transactions. Left an amount that is still being denied {$2900.00}. Its like they picked which ones they wanted to approve. I have been in communication today with an Executive XXXX from Wells Fargo this morning and she informed me that after another probing into my case they have denied the claims again. A Police has also been filed in this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I checked the balance of my credit card through wellsfargo.com on XX/XX/XXXX I thought I had a balance of credit available for {$1500.00} .... instead I find the balance on this account for available credit is just {$140.00}... I called wells fargo credit card department on XX/XX/XXXX and XX/XX/XXXX both customer service siad and verified that changes to my wells fargo credit card were made on XX/XX/XXXX ... .. both customer representatives said they had no other information on my account but the explanation on why changes information were going to be mailed to me in the mail ..... I can't believe that after paying this credit card for many years ; that all I have for credit is {$140.00}? please help, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I am once again filing a complaint against Wells Fargo, regarding the Settlement with CFPB from XX/XX/XXXX. I believe I should be a party to this settlement. I have documentation showing that Wells Fargo purposely withheld vital information on a modification to my mortgage in XXXX. By withholding this information, they misled me on the potential terms for the final modification. Additionally, there was no information provided as to potential consequences to starting the trial modification process. The organization took advantage of a borrower in a dire financial situation. They are denning that I should receive any portion of the settlement. They are refusing to accept the documents that I have repeatedly submitted, as to proof that they misled and withheld information. They keep saying I don't fall into their guidelines Yet, they refuse to provide their guidelines, stating that the information is proprietary. So I am asking CFPB to get involved. WF is playing their same crooked games as they have been charged with by the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The accounts currently on my report are false a not mine they are not on the other bureaus and they need to be removed as soon as possible File number ( FTC ) other a. XXXX XXXX nor did the bureaus send proof that debt was mine, nor did they offer any correspondence. This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The web interface for wells fargo keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to Wells ' Fargo web user interface not being the friendliest. I plan to keep filing complaints every day until someone at Wells Fargo helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: I was never informed of wrongful insurance that was placed on my vehicle loan without my permission until I found out about the settlement and after my vehicle was repossessed because the illegal insurance they placed on my loan. I called several times a few years ago, and tried to receive the actual amount of money they owed me that included the thousands of dollars of electronic equipment I had in my vehicle at the time of repossession. I also lost my business because I was left without a car. They never paid me for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76087
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: Wells Fargo wrongfully repossessed my car approx XX/XX/2014 I received settlement check for {$5.00} Minimum settlement for wrongful repossession was supposed to be {$4000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A