Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/11 i made a deposit into my account & went about my day the last time i personally used my card was XX/XX/11 @ a XXXX XXXX XXXX not sure if i left my phone & card in the store but they were misplaced once I accessed my wells fargo accounts i seen {$2700.00} had been sent out with XXXX XXXX to a XXXX XXXX once i saw this I immediately disputed every charge with this name i have used XXXX XXXX before but never in my life with a XXXX XXXX apparently they believe i authroized these payments but that is 100 % false
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had a transaction of {$2000.00} removed from my account. I never authorized this transaction and Ive called Wells Fargo & told them this multiple times and they have yet to resolve my issue. According to XXXX policy as well as Regulation E for a transaction to be determined as fraudulent, it must be : An unauthorized transfer for example, if someone steals your phone and accesses your XXXX account. Ive already stated that the transaction was not made by me and Wells Fargo has still not issued me a credit. I received that money through my University in the form of a refund check as a means to cover other school or financial expenses. I have spoken with Wells Fargo multiple times and they keep saying it was an authorized transaction which it was not. Clearly if it was I wouldnt be calling them so much asking about my money. This process has been ridiculous and unfair and Id like a credit issued to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo is declining my claims because they said I took me too long to make a claim. I have my phone records showing I tried to shut the accounts down and their customer service told me we shouldn't do that. Now they have declined it saying it took too long to make a claim. I've tried calling the company XXXX, the transactions went through them with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33901
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Wells Fargo was contacted via the title company late XXXX for information regarding my current loan and a payoff amount. I am selling my home. Wells Fargo was made aware of this late XXXX. The title company then reached out to me mid XXXX to inform me that after contacting Wells Fargo to finalize details to pay off the loan that WF was transferring the loan to another party XX/XX/XXXX. I contacted WF as they would not provide my realtor nor the title company with further information or possible ways to resolve the issue. At this time I had not yet been notified regarding the transfer. I asked WF for a 24 hour delay as the payment was going to be submitted overnight the XXXX and received the XXXX of XXXX. They declined. They stated the check would bounce back and the buyer would need to wait 4-5 days before resubmitting to the new loan holder and that the pay off amount could change. I then asked when was I notified for this change, they informed me that hard mail was sent out on the XXXX ( received and dated the XXXX ). I have been checking my mail regularly and only received their notice yesterday. This falls short of the 30 day window to inform me of change in lender and has resulted in changes to the sale of my home. An email was sent to me regarding the transfer of the loan XX/XX/. Further documentation can be provided on request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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: In the beginning of this year 2023 Im not sure the exact date because I have been through XXXX fraud claims for this exact transaction. The first claim was resolved the second claim I had to get a whole new credit card account for my credit card that was resolved. The third claim the denied and they are denying to reopen the claim about a transaction of {$7000.00}. I cant remember the exact amount and it wont let me look up the amount on my account, but it was a transaction for almost {$8000.00} for a car rental company that I did not make but the bank is refusing to re-open the claim and its also refusing to refund my money back because they claim that the rental company has provided my name and my credit card information to them. Confirming that it was a transaction made through me, but I did not make a transaction at a rental company. I didnt even have a valid drivers license at that time so Im not sure if it was someone around me or someone they had access to my information but I keep calling and trying to resolve this situation but the bank is not helping at all anymore and are refusing to resolve this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I sent a payment for home owners insurance for 2023. I accidently wrote check for {$1000.00} over the amount required to Wells Fargo Home Mortgage. They refuse to refund me the money and said it was placed in escrow. I told them I wanted a refund after speaking to numerous customer service reps on the telephone, and they all refused to do so. Mortgage with Wells Margo Home Mortgage in name of XXXX XXXX, Loan No. XXXX, address of property is XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Wells Fargo Bank NA sent me a application for arbitration I filled it out and set it in. They have failed to contact me and I need them to do that. The CPI charges and repossision of my Truck was In violation of the Cobb law in my state MN. They have been most unfair in settling with me and I am about ready to head to legal aid and have them deal with this. One last chance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I recently filled out an application for a Wells Fargo bank account and was prompted I needed to go into a branch and that they were unable to open my account at the moment. I received a notification about a week later on my credit report that a bank account was opened by Wells Fargo under my SSN. These violations constitutes as unauthorized use as well as discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A