Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This negative item does not meet XXXX reporting requirements, i do not recognize how or why its reporting when the debt was resolved from myself to Wells Fargo Bank from XX/XX/2022. Delete immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I was doing a XXXX balance transfer to my Wells Fargo card for XXXX interest. They pulled that amount from my XXXX but then they pulled {$8500.00} and the transfer fee of {$420.00}. I called as soon as I saw the extra XXXX on my card which put my XXXX in a negative balance. They were no help, told me to call XXXX but I refused as Wells Fargo requested the funds. I have called 10 times and waited the 10 business days and nobody will help me. This is fraud, it affected my credit score, interest payments on another card. I will offer any other info you need. Thanks for the help and guidance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo is able to process the fraudulent transactions only from XXXX but the merchant " XXXX XXXX XXXX '' deducted in {$52.00} on XX/XX/XXXX and once again {$49.00} deducted on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A dillards charge account was opened, someone changed my email address and address on my XXXX XXXX XXXX and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in XX/XX/2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85367
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I had a home mortgage loan with Wells Fargo I got behind on two payments and asked them to work with me but they wanted the loan paid in full I asked them to put the payments on the back of the loan or refinance me and they wouldn't help me in any way I have letters and documentation to show and they went ahead and foreclosed me without even talking to me nothing or helping me as much as I tried I lost my home in 2008 and still sick about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received a replacement credit card with a different account number and a first billing cycle of XX/XX/XXXX to XX/XX/XXXX. A XXXX entry shows a balance of XXXX transferred from the previous card. This balance was the result of a previous balance transfer to the old card at a promotional interest rate of 0 %. There were no purchases included. Wells Fargo created a fictitious purchase balance of {$1000.00} and charged {$18.00} interest on that statement. This was followed by unauthorized and unallowable interest charges of interest charges of {$19.00}, {$18.00}, {$19.00}, and {$18.00} for the XXXX, XXXX, XXXX, and XXXX cycles. I discovered this total of {$94.00} when I paid off the full balance on XX/XX/XXXX just prior to the expiration of the promotional rate. Then I saw the {$18.00} interest charge on the next statement. I looked back and found the overcharges had started in XXXX. On XX/XX/XXXX, I was told that I will receive a credit within XXXX to XXXX business days. Wells Fargo has a well deserved reputation for theft from clients. Until this incident, I was not aware that Wells Fargo had ever stolen from me. Clearly, Wells Fargo lacks internal controls necessary to prevent such unauthorized and unallowable charges. On XX/XX/XXXX neither XXXX of XXXX different Wells Fargo employees I spoke to on the phone could tell me what government agency regulates credit cards issued by XXXX banks. This is why I answered above that Wells Fargo didn't provide me with the information I requested. There is nothing on their statements that says what agency regulates them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Wells Fargo contacted me about XXXX checks that were deposited and were verified as fraud. I contacted the bank to let them know that I found out that I was scammed. The bank made a decision to close the account without my permission. The bank took {$300.00} out of the account to cover the {$400.00} the bank made available. The account is now showing overdrawn {$100.00}. 15 USC 1643 ( a ) Limits on Liability ( 1 ) ( B ) the liability is not in excess of {$50.00}. The company has continued to charge me XXXX XXXX monthly maintenance fees when I did not give authorization to electronically take {$14.00} out of the account. Violation of 15 USC 1692e ( 2 ) ( 10 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Repossession
Subissue: Company communicating payment assistance or payment extension options
Consumer Complaint: COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Vehicle loan or lease ISSUE Repossession I am Resending my compliant of above XXXX capture all the intricacies of this case and answer the respondent by XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX Fax : XXXX Firstly an individual that lacks the proper education and the self development needed to capture th needed empathy of all array of client and clientelle needs would send a correspondence that depicts such inhumane and unfair words. These are my tendered grieviances to the Office of Human Rights against the Respondent XXXX XXXX. The Consumer Financial Protection Bureau ( CFPB ) continues to hold sessions on the crucial topic of providing essential financial education to immigrants. These sessions emphasize the significance of addressing the gap in proper financial education, particularly by financial organizations like Wells Fargo. I have attached one of the recent sessions on the financial education needs of immigrants for your organization 's review. This focus on immigrant financial education is vital because when individuals migrate to a new country, they often encounter unfamiliar laws and financial practices that require effective education for efficient transactions. It is my hope that Wells Fargo will take additional steps to educate this segment of its customer base, rather than engaging in practices laden with unfamiliar jargon. Effective communication is essential to avoid misunderstandings and rule violations. I am an XXXX immigrant who arrived in the United States in XXXX. I initially lived in a homeless shelter in XXXX, Maryland, while pregnant and estranged from my family for a Year. Despite facing significant challenges, I managed to provide for my daughter and myself. However, I also contend with a XXXX XXXX XXXX. In XXXX, I began my legal journey, and in XXXX, I obtained my first credit card from Bank XXXX XXXX with a {$1500.00} limit. In XX/XX/XXXX, I visited XXXX XXXX XXXX with my old paid-off car as a down payment, a credit score of XXXX, and an annual income of {$60000.00}. Notably, I had received no prior education from this financial organization about what repossession entailed. I reached out to a Wells Fargo executive officer and inquired about why I was never contacted before the repossession. I pointed out that a certified letter should require a recipient 's signature, but the XXXX routing number indicated that it was never received. XXXX XXXX. The response I received stated that under Maryland law, they were not required to notify me about the repossession. They claimed to have sent enclosed letters dated XX/XX/XXXX, advising me of options to reinstate or redeem the account and outlining the consequences of the account remaining past due, including the sale of my vehicle. I question whether this was a premeditated attempt to unfairly repossess a car that had been paid for over 30 months, from XX/XX/XXXX to XX/XX/XXXX, as there was no prior due diligence or communication. In XXXX, I experienced a cardiac arrest, which is documented in my medical records. An XXXX from Wells Fargo consistently reached out to me regarding my progress and ability to make car payments. She assured me that late charges would be addressed toward the end of the loan. This open line of communication allowed me to keep them updated about my situation and continue making payments, even while dealing with a XXXXXXXX XXXX XXXX and starting an Airbnb and life insurance business. Till i was able to change career to a better paying job which i was then able to consistently pay my loan as agreed {$500.00} Had this communication been maintained in XX/XX/XXXX, I would have been able to explain why i mised payment again becaused ; I had to pay a full year 's rent of {$43000.00} in XX/XX/XXXX XXXX due to my poor credit and inability to find suitable housing in XXXX XXXX, Maryland, for my daughter 's kindergarten attendance. This situation illustrates the challenges faced by immigrants with no family or friends in the country. Th continous doom the financial instution put individuals. Furthermore, if communication had continued, I could have explained my job stopped, which resulted from an employment discrimination case that was subsequently granted the right to sue and early mediation. ( File to charge docume attached ) This emphasizes the paramount importance of effective communication. I still request that phone call records be provided for validation and discovery purposes in this case. XXXX XXXX. Wells Fargo has stated that phone calls were made to me during the time periods of XX/XX/XXXX, through XX/XX/XXXX. While I claim no attempts were made to notify me via phone calls, there is a disagreement between us on this matter. DISCRIMINATION XXXX XXXX. To retrieve your vehicle, please send us the following : 1. A certified check for {$2600.00} payable to Wells Fargo Auto. 2. The requested documentation, which may include : a. Proof of current employment b. Proof of vehicle insurance c. Personal references Where in the Law does it state that - I have to bring a Personal Reference to collect a vehicle. I would need that duly provided for this sake of this Case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was alerted by text from Wells Fargo on XXXX asking my if I made 2 purchases in the amounts of {$11.00} from XXXX and {$13.00} from XXXX. I immediately replied 'N ' for 'No ' that I didn't make these purchases, and the text thanked me and said my debit card ( which purchases were made on ) was blocked and to call them on this. I checked my bank account, and along with these two charges listed, I saw 3 more charges pending, ( all charges were out of XXXXI live in California ) on XX/XX/23 for {$13.00} from XXXX, {$13.00} from XXXX, {$13.00} from XXXX. There was also another charge on XX/XX/23 ( cleared on XX/XX/23 ) for {$14.00} from XXXX in Texas and I reported all of these 6 charges as fraudulent. There was also a {$5.00} XXXX charge out of Texas that Wells Fargo fraud department asked me about, and I told them I made this charge. Then on XX/XX/, I found several letters in my mail box stating the {$11.00} XXXX in TX charge was reversed but they denied all my other claims as there was no error made in these charges. I immediately called on XX/XX/ to Wells Fargo fraud department to say this was wrong, and was told it was my fault and my claim was closed. I went into my Wells Fargo branch, and a staff helped me and also called Wells Fargo fraud department and they told her it was my error, this was closed and they would not reopen this-or even discuss the error. This staff person put in a complaint to a higher up on my case to help me, since the fraud department would not talk to me and told me I would hear back in 48 hours. Meanwhile, I looked at the letters I had received, one of them denied my claim for {$96.00}, which was the wrong amount of the 5 fraudulent charges Not reversed above. I called again to Wells Fargo fraud department on XX/XX/ to ask them to read me all of the charges filed in my claim. They read the charges I submitted above ( {$13.00}, {$13.00}, {$13.00}, {$13.00}, and {$14.00} ), along with the XXXX charge for {$5.00} ( which I specifically asked them to remove ) and a charge for {$21.00} from a restaurant called XXXX XXXX XXXX XXXXwhich I never put in there. I explained to the Wells Fargo person that this claim was incorrect, and I did charge XXXX XXXX and XXXX charges and never put these in and needed to refile the claim correctly. This person tried twice to go to higher ups in the fraud department and I was told my case was closed, regardless if it was wrong, and I could not reopen my claim correctly. I also explained to this person that Wells Fargo was the one who alerted me to the fraud in the first place, so they knew about this, and I specifically had replied 'N " when they asked me if I made the {$11.00} or {$13.00} charge and had proof of this, so I wanted to know why they didn't at least reverse the {$13.00} when I indicated I didn't approve this. Again, I was told my case was closed, that a complaint to someone higher up on this was made and they would get back to me within 24-48 hours from when my complaint was made on XXXX XXXX XXXX XXXX and I have never heard from anyone at Wells Fargo. I have filed a claim with XXXX XXXX and am in the process of completing the paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: My XXXX XXXX XXXX XXXX was hacked. On XX/XX/2023, I received multiple emailsregarding payment transfers from XXXX XXXX totaling to {$1400.00}. Right away, Icalled XXXX XXXX and reported it but while i'm on the call, the transfers were stillhappening. And then it stopped when my bank ran out of money. The claim was filedthen they told me to call Wells Fargo ( My Bank ) to dispute it there as well. I did it andthey said they will dispute it. And then recently I just received a letter datedXXXX saying that they are closing the case and they said they lost it and theywill not return my money. I've been calling them both ( XXXX XXXX and WellsFargo ) but they keep on telling me they can't do anything. I'm losing hope now. Itsbig money and it affects me and my family a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A