Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of WELLS FARGO acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given WELLS FARGO to furnish/report information on my consumer report, Re : Acct # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Please refer to case number : XXXX Wells Fargo replied with letter but it does not explain why the account was closed. It does however cc CFPB Letter received in XX/XX/2023. I have attempted to resolve these issues in person and do not understand why a {$300.00} dollar account was in question! I called Wells Fargo to learn the account was closed due to " suspicious transactions '' I do not understand why this is the case! There were NO transactions made in the short period of time the account was opened! I was a customer for over 29 years with no questionable transactions to my account! My mother took me to Wells Fargo when I was a young girl to open an account!!! Life changed and I married so I moved on but was seeking to re-establish connections with Wells Fargo in XXXX, CA where I lived with my family before I married. Everyone at the XXXX XXXX branch knew my mom who is now XXXX yrs old. My ex-sister-in-law worked at the branch as well so you can see the reason why I like to bank in person! I was also on the waiting list for a security deposit box, not all banks offer this service now! I introduced myself to the branch manager to reconnect and greeted long time friends at the branch who asked about my mom! I do not accept this illogical explanation for terminating my account by Wells Fargo! This is defamation of character and I am asking you to re-evaluate this case please! Please let me know how I can help address this issue or if you need more information on this account or names of the Wells Fargo team I spoke to! I will really appreciate your response! Thank you! XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had the worst experience at Wells Fargo, I was just trying to open a personal account. I am an American citizen for a long time and for some reason I have a profile saying long time ago I had products with this bank as a XXXX XXXXXXXX, so they say they have to request an authorization from XXXX, which it is completely fine. The big problem is the worst customer service that I received. starting no one at the platform to help or for even greeting customers. Teller line with a huge lane and the teller just told me " I am sorry there is no one can help you today '', just like that and I wasn't even asking nothing yet. The image of Wells Fargo in that financial center is destroyed by the own associates. There is no Willingness to help, there is not client care. I requested to ask with the Manager, his name XXXX XXXX at XXXX XXXX XXXX, this Branch Manager just said sorry and as my case was an XXXX I have to wait A MONTH!! because that is how they work, and I know every bank is different but I know for a fact other banks gave an answer from XXXX almost immediately.So my question : Is this experience the best way to get new relationships, to get new clients? is this the best way to represent an good image for Wells Fargo. Also : Is it true that you have to wait so long to open an account ... an American citizen? And finally : how is it possible that a bank does not have associates to help customers, not even to answer questions? Do Wells Fargo banks only work by appointment? XXXX XXXX XXXX XXXX XXXX I don't know nothing about Customer Service or Bank policies, but for sure Wells Fargo is not the right bank for regular customers. My only hope is to hear that my experience was just a misfortune. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is XXXX XXXX and I went in to take out approximately {$500.00} to close my retirement account which was a rollover IRA and have it coded as a XXXX as a premature distribution under the age of XXXX and a half. I mentioned to the gal several times this has to be a code XXXX and then she came back and gave me the paperwork and it was coded as an XXXX. I've gone in their office several times and talk to a manager who got on the phone with the back office and they said they would take care of it and I recently received my 1099-r for the year XXXX and it's still coated as a XXXX and it has to be coded as a XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX is rep with XXXX XXXX and she called to tell me that she doesnt have to and will not provide me with any information at all. Her attitude is belligerent and unprofessional. I have had checking and saving accounts with this bank for over 15 years and suddenly without notice they shut my debit card which caused much stress and havoc. This was 2 months ago and since then they have been exceedingly rude dismissive and disrespectful. They gaslight and do not any information. This particular rep is now telling me I do not have any rights to information and she will not provide any assistance. She basically stated she is only calling because there was a complaint and she has to fill a quota. That is an example of sub par poor customer service and practices. She is like an order taker and is dismissive and disrespectful. This bank had caused me a lot of stress and fo not show any consideration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2024 a debit was made from my small business account in the amount of {$3700.00}. The description is XXXX XXXX XXXX ACH XXXX XXXX Mobile Pmt XXXX XXXX XXXX XXXX XXXX XXXX ( see attached bank statement ) On XX/XX/2024 my wife and I were reconciling our business account and noticed the debit. It was after bank closing hours. On XX/XX/2024 I went to the bank, Wells Fargo XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX on and met with XXXX XXXX. In a cubical at the branch office, I sat with XXXX while she contacted the Fraud Department and reported the debit. She provided me with Stop Payment number XXXX, and Fraud Claim number XXXX. On XX/XX/2024 I receive the attached letter from Wells Fargo. The claim number on the letter is different from the one I obtained from XXXX, it is claim number XXXX. It states that too much time passed from the time the debit was made until I notified the bank. It also states to contact XXXX XXXX at XXXX. On XX/XX/2024 I contacted XXXX XXXX at XXXX and spoke with XXXX, employee number XXXX. XXXX informed me that there is nothing XXXX XXXX can work on with me directly. If this is fraud, the fraud department from my bank, Wells Fargo, should work with the fraud department at their bank, XXXX XXXX to reconcile the issue. She stated that this is normal protocol and did not understand why Wells Fargo would instruct me to contact them. I asked her how I could contact her fraud department and she stated they did not have a phone number nor an email address, only a fax and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX After speaking to XXXX XXXXXXXX, and also on XX/XX/2024 I contacted Wells Fargo Fraud department at XXXX. I spoke with XXXX whom would not supply a last name nor employee number. She stated that XXXX, again XXXX would not supply his last name nor employee number, handled my fraud claim and the only notations in the system were the initial call from XXXX and that a letter had been sent and the claim was closed. I asked if XXXX had contacted XXXX XXXX or tried to resolve this matter, and she said there was only the two notations in the system. She listened to my complaint and gave me complaint id confirmation number XXXX. She let me know that XXXX and a manager would contact me within XXXX hours. On XX/XX/2024 at XXXX XXXX I sent the attached letter to XXXX XXXXXXXX to the fax number I provided by XXXX with XXXX XXXX. On XX/XX/2024 at XXXX I contacted Wells Fargo XXXX XXXX, the Claims Assistance XXXX XXXX I spoke with XXXX to request an update on the status of the claim, the person who is working on it at Wells Fargo and how I could contact them, and the person who is working on it at Capital XXXX and how I could contact them. She said that the claim is being worked on at the back end and she does not have information on who is working on the claim at Wells Fargo or XXXX XXXX. XXXX said an investigator will contact me with 48 hours. I asked whom, and she replied there is not an investigators name in the claim notes ( contradictory to what I was informed by XXXX XXXX whom said XXXX was the investigator noted on the claim ). Now the 48 hours have passed since my phone calls on XX/XX/XXXX, so I am reporting this to the consumer financial protection bureau. I can not understand why nobody from either bank, Wells Fargo nor XXXX XXXX, can answer simple questions. Who is working on my claim? How can I stay in contact with this person? What have they done to try and resolve this? Has Wells Fargo contacted XXXX XXXX to get this resolved? The only responses I get from Wells Fargo is that there are notations in the system that a claim was filed and a letter was sent. No person to contact, no follow-up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Under 15 USC 1666Bthis is a billing error always paid as agree on time this is an error this account in violation Please correct this inaccurate information on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged a {$35.00} overdraft fee by Wells Fargo for not enough funds in my checking account and a monthly {$10.00} fee bc I am over the age of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: In XX/XX/year> they repossessed my car. I was in contact with the auto loan department and told them I was going through a rough time and I would pay what I could but they wanted over XXXX XXXX. Pay off of my car. Im single and have no public transportation near me. I had to quit the job I love They have caused me a lot of stress and trauma. We all know this is not right. Where did the bank get the money to loan me if they are trillions in debt?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A