Date Received: 2023-10-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: A Cashier 's check was presented to us at XXXX XXXX XXXX for a tenant move in. The cashier 's check was dated XXXX for {$1400.00} from Wells Fargo Bank. The tenant later changed their mind and wanted a refund. We refunded her money because she had paid with a cashier 's check. On XXXX Wells Fargo stopped payment on their cashier 's check. We contacted Wells Fargo XXXX case number XXXX and they stated this was a matter between us and their customer. I understood a cashier 's check is final. Thats why it's used for closings, move ins etc. I did not believe a stop payment could be done on a cashier 's check. 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: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear Sirs : I wish to bring your kind attention to the enclosed documents for my safety deposit boxes at Wells Fargo XXXX location, XXXX. I have been your long term customer for last XXXX years. You can verify on top of both the safety deposit Boxes agreement, XXXX XXXX Manager of Wells Fargo signed stating that the boxes are given to us for free for life so long as we have our accounts with the Bank. We went through different store Managers, at this location, XXXX XXXX, XXXX and other XXXX, who have been reversing the box fees. The fee was first charged and then removed as per the explanation given to us by all previous managers ( an arrangement required for the banks paperwork sake ). I have been in communication with Wells Fargo business line of communication executive office and I am not getting anywhere and there is no understanding after producing proof of free boxes by your Manager. I would really appreciate your offices help and getting this issue fixed asap and we should not be charged for these two safety boxes so long we bank with Wells Fargo. Awaiting to hear from your office soon. Please make sure that the charges levied towards the boxes have been removed and hereafter we do not have to encounter any further issue in future with the new store managers at this location. We have been your customer and we would like to continue doing business with your bank unless we are forced to leave due to poor customers service. Appreciate your taking valuable time in going through the documents. Thanking you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Took out a 0 % interest credit card with Wells Fargo. Thought I paid it off in time before the intro period was over, but may have missed it by a few days. Instead of charging me the interest on the remaining balance ( I had paid back nearly all of it ), they charged me interest immediatley on the full amount. This is simply wrong and unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I spoke to assigned Executive office respondent form Wellsfargo and my very most important Inquiry was - I was never contacted prior to repossession A discretionary notice was sent as A certified Letter - A certified letter requires a signature of the recipient - However, the given USPS routing number stated that these was never received. Secondly if this was not a PREMIDITATED ASSAULTY to Unfairly take a car that has been Piad for 30 mont from XX/XX/XXXXXXXX - XX/XX/XXXX then why was there no call as spoken thta these was a Due deligence. To reply the Repsondent form Complaint - Subject : Were responding to your concerns Wells Fargo case number : XXXX & XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX In the third paragraph of the correspondent 's letter, it is noted that an RTC ( Repossession Termination Communication ) letter was dispatched to my address via Certified Mail on XX/XX/XXXX. Regrettably, this letter was not acknowledged with a recipient 's signature, which prompted my subsequent communication with the correspondent to seek clarification regarding the extent of their due diligence. This inquiry arises due to the seemingly unkind, unruly, and potentially unlawful methods employed by this organization in its dealings with its less-informed clientele. Furthermore, the same paragraph in the correspondent 's response erroneously asserts that there is no legal requirement in Maryland for the use of certified mail as a precursor to repossession. Contrary to this claim, there exist two pertinent Maryland statutes, applicable to vehicles purchased within the state, namely the Closed End Credit Grantor Statute and Article 9 of the Maryland Commercial Law Article. I would also posit that a third safeguard lies within the realm of civil rights, which ought to protect a consumer who has diligently paid for a vehicle over a period of 30 months, with only two months of missed payments, rather than the erroneous assertion of three. The first of these legal provisions, specifically detailed in the 2010 Maryland Code Commercial Law Title 12 under the Creditor-Grantor Closed-End Credit Provisions, Section 12-1021 pertaining to repossession, unequivocally outlines the necessity of a 10-day notice, as stipulated in subsections ( c ) 1, 2, i & ii. I respectfully request the provision of the mentioned call recording to substantiate this requirement. The second law, enshrined in Article 9, precludes the imposition of a deficiency judgment in cases of statutory violations, underscoring the legal safeguards designed to protect consumers in such situations. Furthermore, I am regrettably unable to access my online account, making it exceedingly challenging to ascertain the specifics of the unwarranted charges and interest accumulated therein. This lack of access is exacerbated by the recent Consumer Financial Protection Bureau ( CFPB ) complaint against Wells Fargo and the ongoing class action suit, spanning from XX/XX/XXXXXXXX to XX/XX/XXXX, which raises the question of whether my account is among those eligible for restitution. In light of the foregoing, I am taking this opportunity to formally address the Wells Fargo Executive Office with several earnest requests : 1.I earnestly urge the submission of the call recording affirming the provision of a 10-day discretionary notice, as the absence of proper immigration education appears to have led to a potential infringement upon my human rights. As an XXXX to the United States for the past five years, I embarked upon my first car loan only in XX/XX/XXXX, and the concept of repossession remains unfamiliar, thus rendering this communication of utmost importance. 2.. I emphatically demand that my online account be reinstated for me to access and scrutinize all accrued late charges and the interest appended to my account. 3.I kindly request the accurate provision of information regarding the class action lawsuit and any relevant details. 4.I also call upon the need to enlighten and educate the executive office of Wells Fargo regarding not only the principles of diversity, equality, and inclusion but also the international human rights concept of Immigrant Consumer Education. I am prepared to escalate this matter to the relevant authorities for a thorough investigation into the concerns outlined in this response. I express my appreciation for your attention to these matters.
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: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 Wells Fargo fraud department contacted me ( recorded call ) about possible fraud on my savings account. There were 3 wire transfers scheduled to go out and they wanted to know if I did them. I was very clear that I did not initiate the wires transfers and they need to be cancelled immediately. The agent said he was doing while I was on the call with him. He then gave me a confirmation number and said I would be called on XX/XX/2023 with the results and how to unlock my online account. I waited most of the day with no call. I then called into Wells Fargo Fraud department ( recorded call ) and asked what the status was to have them cancelled and have my online account turned back on. They wouldn't give me an answer only that I needed to go into a branch to complete the process. I went to my local Wells Fargo Branch and was told that none of the wires had been cancelled. I gave them my confirmation number and they wouldn't say anything about it, but the local assistant manager called the fraud department and they were working on cancelling the wires. During the wait I was told again that none of the wires were cancelled. They were able to get one cancelled right away, but they had to work on the others. During the 2 hour wait I was told they couldn't get 2 of them cancelled and that I had approved them. Told them to listen to the recorded call where I told them they were all fraud, nothing was done to listen to call. The 3 wires were for {$8700.00} - not cancelled, {$9800.00} - not cancelled, {$6400.00} - cancelled. I was given 2 claim numbers for the wires that were cancelled # XXXX and # XXXX. Over 5 days later I was told that Wells Fargo was unable to stop the wires and couldn't get the funds returned. I filed a complaint with Wells Fargo Bank, and was told that I approved the wires so it was my fault and they wouldn't pay me the money lost from my account. Wells Fargo has recorded calls where they were told by me several times that it was fraud, that I didn't authorize the wires, and no one else in my family has access to my online Wells Fargo account. Wells Fargo Fraud department knew they were fraud AND had a recorded call with me on XX/XX/2023 were I said it was Fraud. They did nothing after receiving this information. No calls back to me as I was told I would get. If I hadn't call them all 3 wires would have gone out because of their failure to do their job. I filed a police report and they also tried to get the funds back to me - issued warrant to bank, but the accounts the wires went to - banks in XXXX and XXXX- did not have any funds. They did not request cancellation of the fraud wire transfers on they day I was told it was happening. Their failure to do this timely caused them to lose {$18000.00} of my hard earned money, which has greatly affected my financial situation. They just don't care and won't take responsibility for their errors and poor work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Wells Fargo Bank in XXXX XXXX, CA. I had {$5000.00} cash to deposit to my business account. There was a long line and only one teller, so I was directed to use their ATM there on the floor. I put in the entire {$5000.00} in bills, but the ATM stated to me that I had deposited too many bills and was returning them to me. I waited ; instead I received a receipt for {$1800.00}, a receipt for {$400.00}, and one crunched up {$100.00} bill. No more money was returned. I immediately called a bank manager over to complain why the remainder of my money was not returned. He only said he would file a claim. He handed me his card with the claim number on it and that was all he did. I I left w/o the remainder of my cash deposit which is {$2700.00}. Within 12 hours I reviewed my account on line and verified that the only deposits credited to my account were {$1800.00}, {$400.00} and {$100.00}. I received a temporary credit 2 weeks later for the {$2700.00} and then received a letter on XX/XX/XXXXXXXX stating that the {$1800.00} deposit was correct and is all I would receive. There was no reference to the {$400.00} deposit or the {$100.00} bill which was returned to me. No one from WF claims ever contacted me for a statement or did any investigative effort. WF has kept my {$2700.00} with no accounting whatsoever. I have banked with WF since XXXX and run 7 accounts through this bank. I am angry that they kept my money, gave me absolutely no accounting and no communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted two claims for a double transactions Wells Fargo, stating that the merchant had doubled charged my account. They submitted the claims with the information i provided but refused to immeadtely return the money -- once again stating that it would take another " 10 business days ''. I found that unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I disagree with these finding! I need an explanation.The wells Fargo account was closed and settled in XXXX! I have waited 7 long years for this to be finalized. And now they have extended to XXXX! What is the legal Findings? or corporate rule?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX {$300.00} XXXX {$1000.00} I have more missing money but its been so long my accounts were foreclosed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: Wells Fargo has denied our claim that {$2900.00} of charges to our credit card were made by someone else. The reason they have denied the claim multiple times is that when we initially reported the charges, which we are 100 % certain are not ours, we indicated that both cards were in our possession. We believed this to be the case as historically this card wasn't used much and never left the house. When we searched the house for both cards we realized one was missing. We reported this information but Wells Fargo has ignored that and continues to insist the charges belong to us. I filed a police report with XXXX XXXX and thanks to the diligent effort of XXXX XXXX, we have video proof that the card was being used by someone other than me on XX/XX/XXXX at XXXX in XXXX, GA. This thief was in possession of my card and used it from XX/XX/XXXX until XX/XX/XXXX when I realized the problem and XXXX the card. Even with video proof of another person being in possession of my card, Wells is still sticking to their original decision, which is based on both cards being in my possession. We now have video proof showing that wasn't true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A