Date Received: 2023-10-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I will send this message to Wells Fargo Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Dear sir, I would like you to investigate my business card ending in XXXX because of the several issues by illegal usage of my credit cards offered by XXXX XXXX and some problems with XXXX XXXX XXXX XXXX XXXX to make sure future safe usage of my credit cards. One of the concerns, which I have checked my account in your company website was that I have received the notification that my business card was meant to be closed in 15 days last month. Therefore, I have strong feeling to be checked for safety. Unfortunately, I discarded this letter from your company. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed two disputes with Wells Fargo. They waited three weeks to reach out to ask any questions. When they finally called they tried violating the HIPPA rights of a patient. The agent was combative after being told she could not violate HIPPA rights. The Wells Fargo employee closed out the disputes and stated it was at my request when I stated I would contact CFPB regarding the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
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: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo is a different type of beast and parasites their customers and i've got receipts. In the past few weeks I have seen and read lots of reviews and bad customer service relations about Wells Fargo banking practices and the many way they strip-mine and steal from their clients. The Informations are out there with just simple google search. With no surprise, last week I received a call from an Escalation Representative from Wells Fargo name XXXX XXXX blatantly accusing me of being responsible for the charges i have disputed as fraudulent on my account based on the result of their investigation and when I asked him for documentation or evidence that support their investigation, he told they can not share those details with me and that they are not obligated. This man with his accusatory tone tells me they have concluded investigation that makes me liable for the charges in question but not obligated to furnish the evidence, he said that I have to take the loss. He told me the evidence for their decision is that it shows that the device I used to log into my Wells Fargo was the same device that most of the transactions occurred in, and also being that I continued to log into the account while the transactions happed and because I didn't report this I must have been aware or authorized the transaction, this new was shocking to for several reason but main reason being that it was untrue but mere speculation that the is convinced to be factual, and because the Device I use at work for most of everything is a public domain XXXX and internet service I asked him couldn't this has been done by any sort of hacking, he said no. He also said that my primary device has been used to authorize some transactions which again was untrue on my part. Again with him refusing to show me any evidence left me paralyzed and distraught cause I'm thinking the perpetrator might be closer than I think so I went ahead and reached out to a private detective with extensive portfolio on network and internet security while placing an order to replace my primary phone device. The investigated started digging into this matter, by last thursday she reached out to me and told me that upon the bare minimum she's done she sees that the transactions was not made from the device I used for my online but from an identical device that mimics the device I go online with, she told me to go ahead and delete the app and all my information from the public device and also told me to give her till wednesday to get back to me with full report. I called CFPB immediately talking to one of their reps about this situation and she suggested that I file a new complaint about this on their platform which I decided to wait till i get the full report from my investigator. All this haven't been easy on my mental health, it started to manifesting into extreme headache and pulsating XXXX XXXX which is triggering to me as a XXXX survivor so I went and saw my XXXX who asked me if something is stressing me out and I told her and she suggested that I try to rest cause my XXXX level is up which I did up until today when I heard back from the investigator who reiterate that the transactions wasn't made with the device but a similar XXXX XXXX. She said even more, she said that upon her investigation she sees that none of the transactions was made with my accurate billing informations or phone number, and that none of them should have gone through if my bank followed proper procedure to protect my account. She also said that some of the transaction was made out of state and asked If my bank have tried to contact the merchant to match billing info and I said no because they are busy double victimizing me. When XXXX XXXX, a Wells Fargo Escalations representative said that because I was still logging into my account was evidence of my liability I told him like I've told another person I spoke to a week before that I only log in to make XXXX payments to 3rd parties which most times they XXXX don't worker because of some technical glitch, and reiterate that I don't go in there to balance my account but he ignored my reasoning and held unto his false assumption and delusion. XXXX XXXX said I should reach to the Fraud Dept. and see what paper work they can give me, I spoke to someone from Well 's Fargo fraud Department who also denied the paper work of their evidence which he refused and said they can't share those documents. Yesterday when i checked my mailbox I saw several letters from Well 's fargo which some of them might have been sitting there for the past week. In one of the letters from XXXX XXXX XXXX he was reiterating the same vague comment with not evidence. In another letter I was told that under applicable law, I had 60 days to report any unauthorized transaction which I wasn't aware of or even made aware of by Wells prior to getting account, the only thing I was made aware of is that Wells Fargo will protect my money and I was a fool to believe that since they allowed transactions made with false identity that matches nothing of my billing information to go through. Some other letters which seem identical states that they've consolidated my claims to one claim to make it " easier '', easier for who you may ask? easier for Wells Fargo cause when they decided to lump four different claims made on different days together as one with same date, it gave them a loophole enforce a 60 days rule that was never disclosed to me in the inception of my account. Meanwhile most some of the transactions were just dispute but because of their carelessness and thinking about their bottom line instead of looking at how they failed with customer service and protection they lumped all of them into one claim and used a 60 days rule as a secondary measure to force liability on me. Today I started a complaint with XXXX regarding this issue and tomorrow I'm going down to the Court to file my paper work against Wells Fargo and their mishandling of this issue as well as contact FDIC cause Wells Fargo need to be held liable for the way they mishandle me and my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
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: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX XXXX XXXX, I received a call from Wells Fargo XXXX department. Wells Fargo agent asked me to verify my address and then inform me no they were quiring two transactions in different amounts that were made in XXXXXXXX XXXX I advise the agent That I did not make those purchases in XXXX as I live in XXXXXXXX XXXX and as a XXXX veteran, I dont travel very much outside of XXXX XXXX The advised me that they would reverse the charges, and issue me a new debit card within XXXX business days. On XXXX XXXX I logged into my account and transferred the bulk of what was in checking to savings thinking that would protect my account from fraudulent withdrawals until I received my new debt card. I on or about XX/XX/2023 and I received notification of an overdraft. I didnt log into my account and saw that both the checking and my savings had been cleared out and it showed one transaction in the amount of {$1800.00} and XXXX transactions each in the amount of {$200.00} had been withdrawn from an ATM in XXXX XXXX XXXX XXXX I called Wells Fargo fraud department and reported fraudulent transactions. The Wells Fargo agent it looking at his computer records of my account re-confirmed that the {$1800.00} deduction was from XXXX ATM in XXXX and the other seven from a different ATM in XXXX. He also indicated that if his record shows that I called, Wells Fargo and reported a lost debit card and that a new debit card was issued. He also stated that I requested that the new card be sent to an address located in XXXX XXXX XXXX He also mentioned that in their investigation they would be able to get video recordings from each of the XXXX ATMs where the withdrawals were made, he also stated they had the ability to match voice inflection, to see if my voice matched the call made to report lost card & request new card be sent to XXXX address vs. my home address here in XXXX! He stated it would take them XXXX business days to investigate, they would cancel the new issued credit card and send me a new debit card to use going forward. On or about XXXX XXXX, I received another call from Wells Fargo but this time it was from their Claims Assistance Center to collect to collect {$470.00} in overdraft fees. The young lady had no knowledge in her computer system of the scam/fraud that had occurred on my account, or discussions I had with the fraud department on XXXX XXXX. She said she would file a claim on my behalf to deny these overdraft charges, and again I would hear Results of that claim in XXXX business days. * these are some claim numbers : XXXX & XXXX My debit card which was never lost is # XXXX and at no time to date have I received any replacement card! Todays mail I received a denial of claim letter!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold it...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I received the same information frmo Wells Fargo Auto Finance, they are still trying to use the False 'Loan Application ', which is not my signature on this. I don`t have a copy of it either. It took XXXX XXXX XXXX a full month to get the sales paperwork to me. Once I looked at it, I filed a lawsuit against them. That didn`t work out as planned, but at this point, with Wells Fargo Auto Finance sending me the same false information over and over, I now have to seek an attorney. I can get one for free as I`m XXXX. Wells Fago Auto Finance has called me numerous times, I refuse to speak to them as they attempt to initiate an argument with me each time I`ve tried to speak to them. Wels Fargo Auto Finance needs to call XXXX XXXX XXXX to get the proper information. The Loan Application I saw at the sale had false income information on it, so I refused to sign it. Wells Fargo Auto Finance keeps sending me this ridiculous Loan Application page with a signature that is not mine. At this point, I will have to seek an attorney to help remedy this fraudulent loan. Also 3 to 6 months of past bank statement are required in order to issue out a loan of this magnitude. I will be calling attorneys at this point as I`m getting nowhere with Wells Fargo Auto Finance .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32119
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: Problem using a debit or ATM card
Consumer Complaint: My debt card was stolen. I filed fraud charges and was denied. I filed a police report, proved it was fraud, and they are still refusing to refund the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Money disappear from my account and I was told since it was from ATM and others from different reasons I was denied my funds back and also from time to time I would see amounts of money gone from my accounts. I also applied for loans and credit cards from them and we're denied immediately and my credit score is not that bad plus I've been with them since XXXX and I have encountered numerous problems through out the years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
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: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I was currently XXXX ( XXXX XXXX ) for a few years now and the checking account with XXXX is set up to pay all expenses for my daughter who decided to stay back in XXXX. We had two debit cards for the account and the one my daughter using is actively used but the other card was not in use at all. Recently my daughter has tried to buy a car and realized that there wasn't enough fund than what was expected to be there. After reviewing all the charges, there were more than 400 unauthorized transactions from XXXX, XXXX and unknown terminals. All unauthorized charges were made using the debit card that is not in use. We did not use the card at all and can't think of a way how the card information was released. The total fraud amount was {$14000.00} over 400 fraud transactions. A case is opened with XXXX but the initial assessment they are giving to us is that they are responsible for the frauds within 60 days and which is equivalent to {$16.00} dollars. I have been out of the country and trusted the bank system in US. It is a devastating situation if the bank can't honor the amount lost due to the frauds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A