Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received a loan check from my 401k investment account for {$1000.00}. I deposited the check around XXXX using my mobile app through Wells Fargo . The {$1000.00} was available immediately and was able to use it with no hold placed on the check. The following day at around XXXX my account goes from $ XXXX to - {$290.00} due to the check being placed on hold after it had already cleared and now my bank won't release the funds until XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On or around XXXX XX/XX/XXXX I filed two ( 2 ) CFPB complaints against Wells Fargo because Wells Fargo XXXX has never corrected its records regarding misapplication of a payment that led an account to be charged-off in early XXXX : XXXX and XXXX. Unfortunately WF XXXX has closed these complaints out claiming they are " duplicate '' complaints from a complaint they responded to in XXXX of XXXX : XXXX. A consumer will file additional complaints if the issue remains unresolved an account ( s ) /tradeline ( s ) continue to be reported without maximum possible accuracy. Wells Fargo 's closure of the complaints implies that it is both familiar with the issue presented in my complaints. That is, Wells Fargo is aware they are furnishing the CRAs inaccurate information that alleges the last payment for the account was made on or around XXXX XX/XX/XXXX, when a payment made on or around XXXX XX/XX/XXXX was misapplied causing the account to be charged-off. WF XXXX own records and notifications ( in attached docs ) clearly show the application of a XXXX dollar payment to the wrong account and the CO that resulted. Thus Wells Fargo knows or has reasonable cause to believe they information they continue to furnish to the CRAs is false/misleading/inaccurate. To try and resolve the matter WF XXXX paid off the account in XXXX or XXXX of XXXX to stop any future reporting. Nevertheless, WF XXXX failed to correct the payment history for the prior months. While XXXX removed the false/misleading payment history for the months preceding charge-off, XXXX has left the charge-off annotations and payment history that WF XXXX reported until it was XXXX XXXX XX/XX/XXXX or XX/XX/XXXX because WF XXXX continues to verify the account XXXX accurate as reported '' to XXXX. Thus, the remedies have been at best partial and the information that persists for this account/tradeline is false/misleading/inaccurate ( see Boggio v. USAA Fed. Sav. Bank, quoting Saunders v. Branch Bankin that is referenced in Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. XXXX ) ) and is patently unverifiable. By continuing to furnish the C/O narratives and C/O payment history to XXXX, or any CRA, Wells Fargo continues to engage in unfair practices under CFPA 1036 ( a ) ( 1 ) ( B ) / 12 U.S.C. 5536 ( A ) ( 1 ) ( B ) and unlawful practices under 12 CFR 1026.13 because the misapplication of payment was not reasonably avoidable by me. WF XXXX misapplication of payment on its own has caused me harm. The harm is compunded by the fact that WF XXXX then failed to apply a forbearance and/or deferment correctly leading their accounting system to mark payments as " late '' during periods when WF XXXX billing system failed to generate bills which itself is a serious violation of 12 CFR Part 1026 TILA ( Reg. Z ) Even under the Section E.1 of the XXXX WF XXXX was required to send those billing statements during periods of deferment/forbearance. At this point I have cause to sue Wells Fargo under 15 U.S. Code 1681s2 for damages to recover direct losses, indirect losses, and emotional damage that has resulted due to WF XXXX continued willful negligence. All I am asking is for Wells Fargo to cease furnishing and/or verifying the the CO payment history to any and all CRAs, and to cease furnishing and/or verifying any/and all derogatory narratives to any CRA WF XXXX has supplied information for this account/tradeline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
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: In XXXX of this year, I had deposited over XXXX into that account. Unfortunately, someone had stolen my debit card and spent XXXX before I realized that it was gone. The reason that I didn't know that it was gone was because I was using my phone for transactions. The bank did phone me to discuss certain transactions through their automated system, but each time it was my transactions that they were questioning. Once I realized the issue, I called the bank, closed that card down and filed a police report. It was very obvious to the police that this was a situation of fraud and they opened an investigation. In the meantime, the bank did their own investigation and determined that it was not fraud because someone had been using my pin code. When I spoke to the police department, they stated that there were several ways that someone could have gotten the pin and that that should NOT have been the determining factor in their decision, although they are claiming that that was the determining factor. I did not allow anyone to use my card. The card was used in cities more than an hour away from me and I was clearly not in two places at one time. I just want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
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: Struggling to pay your loan
Subissue:
Consumer Complaint: Between XXXX and XXXX of 2023, I was in a severe manic episode which caused me to take out {$30000.00} worth of loans in an altered XXXX state. I have no recollection of taking out these loans nor was I entirely sure how I was approved of these loans since, at the time, I had no source of income or leverage that was given to the bank to approve these loans. Unfortunately, for the past few months, I have been in and out of hospitals and an XXXX program to fully gain my XXXX and physical strength back which has been quite arduous. I have contacted the bank several times to discuss the loan repayment options to see if there is any way we can restructure the loan agreement since, as I have yet to return to work, I have no source of income. Wells Fargo, however, has not budged at all even though I have explained to them the situation and was willing to provide whatever hospital documentation was necessary to show how serious the medical situation was, but again this proved to no avail. Now, I am in quite a difficult spot as I am looking to work with the bank to try to rectify this situation and it seems to me to be quite predatory that the bank approved the loan virtually off of no solid financial backing without thoroughly verifying that I had the means to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92410
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had several fraud charges on my Wells Fargo checking account that brought its balance down to below XXXX, which triggered overdraft cash advance protection from my Wells Fargo Autograph credit card on XX/XX/2023, with a Description of " OVERDRAFT TO XXXX '', Ref. : " XXXX '', which later on got reversed on XX/XX/2023, with a Description of " ADJUSTMENT-CASH ADVANCES '', Ref. : " XXXX '' since the checking account was refunded due to Wells Fargo determining charges on checking were fraudulent. This should have been the end of the whole process. But unexpectedly, as shown on the XXXX credit card monthly statement issued by Wells Fargo, another reversal can be seen on XX/XX/2023, with a Description of " OVERDRAFT REVERSAL '', Ref. : " XXXX ''. But also, another cash advanced got randomly triggered on XX/XX/2023, with a Description of " XXXX XXXX '', XXXX. : " XXXX ''. Cumulatively, there have been two cash advances and and two reversals triggered automatically by Wells Fargo 's system, all in the amount of {$490.00}, netting a {$0.00} charge on the account. But what ended up happening was, Wells Fargo unilaterally decided to count the {$480.00} of my current credit card balance as " Overdraft Advance '' despite the fact that I have never used this service other than the aforementioned advances and reversals due to Wells Fargo 's system. Wells Fargo decided to charge me interesting during XXXX 's, XXXX 's, XXXX 's, and XXXX 's statements, in the amounts of {$12.00}, {$12.00}, {$12.00}, and {$12.00}. Although they did refund me XXXX 's interest charge after several phone calls with them. But the root cause still has not been resolved to this day, their system is still counting a balance of {$500.00} as cash advance, this balance has since slightly increased due to interest charges and payments. After numerous calls, many of which lasting for close to an hour, with their customer service who claimed they had submitted a case to their executive office named " Customer Advocacy Group '', their executive office confirmed on XX/XX/2023 that this issue still has not been resolved and they've never received a new case apart from the case they received in XXXX. A new case numbered " XXXX '' was opened by XXXX of their persons in " Customer Advocacy Group '' on XX/XX/2023. But at this point, I have very little confidence that they will properly correct this issue. In conclusion, Wells Fargo obviously violated the user agreement of this card and did not do their due diligence in resolving this issue, letting erroneous interest charges to go uncontrolled and unmanaged against the customer, myself. The unbelievably long time from XXXX to XXXX that was given to them to resolve this issue also reflects their inaction. The statements of XXXX, XXXX, XXXX, XXXX, and XXXX have been attached in this complaint for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to request the removal of unauthorized credit Inquiries from WELLS FARGO. They did multiple credit hard pulls for XXXX credit card. I have XXXX inquiries with only XXXX account opened with Wells Fargo These XXXX inquires were unauthorized Inquiry dates : XX/XX/2022 Inquiry : WF CARD SVC They did hard pull I didnt apply for anything Inquiry dates XX/XX/2022 Inquiry : WF CARD SVC They did hard pull when I didnt apply for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Someone made a fraudulent call into Wells Fargo transferring {$2000.00} from my savings account to my checking account. Gambling charges were authorized on my checking account by these funds causing my account to be compromised. My direct deposit and balance was compromised causing errors to my checking account and my upcoming purchases and household bills to be compromised XX/XX/XXXX. I have suffered stress and duress from this situation. Wells Fargo has put me through stress and mental strain during this process. XX/XX/XXXX I called wells fargo XX/XX/XXXX about my frayd claim remaining balance, I could have law enforcement obtain a copy of the fraudulent phone transaction made on XX/XX/XXXX. I received a portion of my savings account funds back from this fraud bank account transfer. My XXXX was questioned by wells fargo if I made the fraud phone transfer call. I was reported to Dept of Human Resources about my XXXX XXXX by wells fargo. I received a visit to my home from XXXX XX/XX/XXXX on my XXXX XXXX and the money transfer by a representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36265
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On the XXXX of XX/XX/XXXX, I XXXX XXXX XXXX noticed a WELLS FARGO ACCOUNT # XXXX, OPENED ON XX/XX/XXXX FOR {$32000.00} which is Extremely ridiculous because at the time of the date stated the account was opened, I didn't own a vehicle and still to present day I am still without a vehicle. I mentioned to XXXX Wells Fargo XXXX that I'm a victim of identity theft and the Wells Fargo XXXX threaten me with calling the police on me if I didn't pay the debt owed. I have active XXXX POLICE REPORT ON FILE ALONG WITH FTC IDENTITY THEFT REPORT AND AFFIDAVIT that I've provided and still no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A