Date Received: 2023-10-30
Issue: Problem when making payments
Subissue:
Consumer Complaint: ACCOUNT XXXX A letter that we received and disputed in XX/XX/XXXX and numerous times after that. We neither one of us contacted Wells Fargo on account that we could not make payments at any time. When In fact we stated differently and in fact never missed a payment and have been paying extra. Only to get letter stating because of a borrower had informed them of financial hardship, with has impacted their ability to make payments on the account. To which we wrote back immediately ( letter dated XX/XX/XXXX ) stating otherwise. This issue has not been resolved but a mass letter stating they would remediate and get back after this, l to date still has not been resolved. XXXX, XXXX get letter that payment may increase as our draw period will be ending. We have not been able to draw on it for several years but have been making payments that are not being applied correct to reflect what we are paying and the as the balance is increasing. Our account has not been corrected/reinstated and we have an account someone else apparently is using. XX/XX/XXXX we receive a letter that states : check enclosed for account ending in XXXX, your account was previously in COVID 19 related payment suspension, we restricted your home equity line from credit further advances. We are enclosing a check for any issue the loss of access to your line of credit may have caused. We apologize for any inconvenience. Check is for {$200.00} not cashed as this is obviously a mistake on our account thru Wells Fargo and this is being stated in letter and with payment. We also received a letter last week stating about what payment would be on account we have not been able to use or draw on for years that we have tried to state balance is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: After being a member with Wells Fargo for 29 years, I left for personal reasons due to marriage issues. I Never experienced an issue with Wells Fargo in those years! After a couple of years, attempted to open an account with Wells Fargo, a Savings account that would eventually create a checking account. I attempted this in the XXXX XXXX XXXX center due to my family having a long standing relationship with the bank and home prior to marriage, where my mother 's home address is located. The account was closed for no reason. I then paid a visit to the XXXX CA branch to inquire about the reason for this action. She called support and the call was given to me to address at the branch. I was informed the account had gone to the XXXX XXXX office and no other information was provided. The account was for a whapping {$300.00} dollars! I do not know why this is happening and request a good standing with the bank as I will not accept any negative remarks on my Banking " record '' for no reason!
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: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: From XXXX my account had XXXX fraudulent ACH transactions. Wells Fargo refused to refund {$1700.00} on the fraudulent transactions that they paid out. From XXXX, Wells Fargo identified and blocked five fraudulent ACH transactions. On XX/XX/22 XXXX paid four fraudulent ACH transaction to XXXX XXXX, whom they had previously identifed and blocked repeatedly on XX/XX/22. At no time did WF communicate to me via text, email, letter or phone call that they had identified and blocked active fraud in my accounts. At no time did WF suggest closing an account they knew to be compromised. However, after refusing responsibility they wrote to me " Please note, when an account is compromised via ACH fraud, it is recommended to close the account and open a new one.. ... WF repeatedly suggested I add " account and security alerts ''. No such options exist for deposit accounts. Wells Fargo denies any responsibility since I did not discover and report the fraud within 30 days of the event, despite the fact that they knew of multiple fraud attempts and made no effort to alert me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I don't remember the date in 2013, but I deposited a check that was sent to me for working & my funds were held. then I was blacklisted. It took a decade for another bank to send my money to me, but I still haven't received anything from this one. Im guessing what made them act right is, I started to file a discrimination suit because these banks don't do that to everybody. [ if you get me ]. Another bank owes me money as well, in another area. XXXX. this is why I stopped making any other bank accounts because its too much shady stuff going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My card was fraudulently used and other transactions were done using my stolen phone XXXX XXXX. They denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card and pin was used for purchases and money withdrawals without my authorization totaling {$670.00} The bank refused this claim because they state they found the transactions were made by me or someone who had my permission. I claim I'd did not authorized anybody to use my card which was stolen while traveling out of the country and told them that the ATM and stores have cameras to find the culprit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18052
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to WELLS FARGO BANK N.A XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the WELLS FARGO BANK, N.A 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo sent me an email notifying me that they closed my bank account and that they will not give me a reason for doing so. Ive been a Wells Fargo customer since 2003. This is unfair, I need my bank account open. Please help. Dont let them close it Routing number XXXX Bank account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89030
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I on behalf of the principal accept ALL RIGHTS, TITTLES, EQUITY and INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- WELLS FARGO HAS DISCRIMINATED UNDER THE EQUAL CREDIT OPPORTUNITY ACT AGAINST THE PRINCIPAL DENYING A RIGHT TO CREDIT BECAUSE THE PRINCIPAL EXERCISED A RIGHT TO CREDIT. NOWHERE IN FEDERAL LAW DOES IT STATE A DENIAL OF A RIGHT DUE TO A FAIR XXXX XXXX SCORE WHICH IS FICTACIOUS AND NOT A CREATION OF CONGRESS. A FEDERALLY PROTECTED RIGHT CAN NOT BE DENIED DUE TO FICTATIOUS SCORE. I AM DONE DEALING WITH THIS MATTER IN GOOD FAITH FOR WELLS FARGO CONTINUES TO REPEAT ABOUT A XXXX SCORE BEING THE REASON FOR DENYING ME A RIGHT WHILE OBTAINING MY ESTATE AND SECURITY FOR ITS GAIN. WELLS FARGO WILL BE HELD LIABLE UNDER 18 USC 241 AND 18 USC 242 AS WELL AS UNDER ECOA AND THE SECURITIES ACT OF 1934 FOR SECURITIES FRAUD. WELLS FARGO YOU WILL ALSO RECIEVE A I.R.S. AUDIT UNDER I.R.S. FORM 3949a AND I.R.S FORM 211 FOR YOUR BREACH OF FIDUCIARY DUTIES. THESE UNLAWFUL ADVERSE ACTION HAS CAUSED ME MASSIVE FINANCIAL HARM AND IS INTERFERRING WITH MY PURSUIT TO HAPPINESS AS DESCRIBED UNDER THE CONSTITUTION. WELLS FARGO YOU HAVE FAILED IN YOUR TRUTH IN LENDING REQUIREMENTS AND HAVE FAILED TO DISCLOSE TO ME MY RIGHT OF RECISSION AT THE MOMENT OF APPLICATION, THERE FOR UNDER TILA THE DEADLINE TO RECIND MY ORIGINAL APPLICATION IS NOW 3 YEARS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HERE BY EXERCISE MY TRUTH IN LENDING RIGHT TO RECIND MY " ORIGINAL '' CREDIT APPLICATION APPLICATION ( SECURITY ) WITH YOU WELLS FARGO AND NO LONGER WISH TO EXTEND CREDIT AND DO BUSINESS WITH YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU WELLS FARGO HAVE UNTIL XX/XX/XXXX TO RETURN TO ME MY ORIGINAL CREDIT CARD APPLICATION UNDER TURHT IN LENDING. FAILURE TO DO SO WILL RESULT IN A SEVERE FEDERALL VIOLATION UNDER TURHT IN LENING AND MY NEXT FORM OF COMMUNICATION WITH YOU WILL BE VIA FEDERAL COURT LITIGATION. DO NOT CALL ME WITH NO RECONSIDERATION STALL TACTIC LIKE THE PAST 3 TIMES. YOU HAVE COMMITTED SECURITIES FRUAD UNDER THE SECURITY EXCHANGE ACT OF 1934 BY ACQUIRING MY SECURITY VIA CREDIT APPLICATION WITH SOCIAL AND DENYING ME MY OWN CREDIT AND WILL BE HELD LIABLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My Wells Fargo account was closed in XXXX XXXX XXXX ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded XX/XX/2023 ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds when through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting tiring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A