Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received 2 letters in mail from credit card companies stating my application was denied. Wells Fargo on XXXX for a credit card. Second was XXXX for a personal loan on XXXX. I also received two phone calls from XXXX first on XXXX, second call on XXXX. I returned the call and they stated my card application was denied. I told XXXX that I did not apply for a card. XXXX verified some information from the application, the name was correct and address was correct. Phone number was incorrect and last digits of driver licenses was incorrect. XXXX phone number was XXXX reference to XXXX. One person was XXXX and second caller was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Massive illegal unauthorized fraudulent transactions and charges to all of my accounts. Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent illegal transactions and charges despite XXXX police report XXXX and other evidence so I have requested statements for all of my accounts in 2019 so I can give them to local and federal government bureaus and agencies to get their help to get Wells Fargo Bank to accept responsibility for the illegal unauthorized fraudulent transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for puppies for my kids and contacted a puppy breeder on XXXX XX/XX/XXXX. We discussed a bit, her name is XXXX XXXX said her husbands name is XXXX XXXX and they live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Email addresses are XXXX and XXXX. I sent a deposit of {$350.00} on XX/XX/XXXX and then was blocked from all communications with puppy breeder I reached out to my bank immediately to cancel the transaction that was placed using XXXX through the bank app. After a little over a week I received a letter stating that my claim was denied and no error was found. I called my bank to get more information and the lady on the phone stated that the contacted XXXX and determined that no error was made and no refund can be done. I used a family members account to locate puppy breeder and once figuring out it was me, puppy breeder refused to refund my amount and then blocked my family member so I lost all communication again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received an email saying that I still owe XXXX after my card was paid off and they said that it went to the full amount of my XXXX XXXX XXXX XXXX XXXX I called the number in this email Im not receiving any information back but my email is saying I still owe the full amount so where did the XXXX go? I had my card stolen. They shouldve still withdrawn the {$35.00} because the new card was linked with the old account number. They shouldve never even missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX at around midnight I participated in online gambling via XXXX XXXX and XXXX app. I won and requested a transfer of {$200.00} into my account. When I woke up on XX/XX/XXXX at XXXX I checked my account and the funds had been successfully transferred into my Wells Fargo account. I used my card throughout the day with no issues. On XX/XX/XXXX I got an email that my account was overdrawn. I checked my account and the {$200.00} had been removed. I contacted my bank who told me they had no trace of the deposit and XXXX XXXX and XXXX canceled the deposit. I contacted XXXX XXXX and XXXX and they sent me documentation showing it was approved on their end and closed out. They stated they do not have the option to cancel transactions after they are processed. I called Wells Fargo again and they said there was nothing for them to do or investigate. {$200.00} of my money is missing and neither company is trying to help me. I had to borrow money to make my account current and that is not fair because I had money. Fraud is taking place and I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: As of XX/XX/XXXX complaint to Wells Fargo, response is still inadequate. They have failed to show proof of an executed legal document as compared to a promissory note containing the interest rate, term, P & I payment, loan amount, start date and maturity date, etc. They have failed to honor the XXXX grace period written in the EquityLine Loan Agreement and failed to give the legal reason as to why they do not honor it. They have failed to make the corrections to their errors caused by their applying of several payments incorrectly due to their reason for not honoring the XXXX grace period from XXXX to XXXX. As usual Wells Fargo just beats around the bush so to speak and still does not address my complaints clearly or does not address my complaints period and does not resolve any issues. I have specifically stated & explained that I want a copy of the Promissory Note ( or an executed document for the repayment of this loan stating the beginning of my pay period, the amount of my P & I monthly payments to pay off the 30 year loan, the interest rate, etc. ), a valid reason for Wells Fargo not honoring the ten ( XXXX ) day grace period written in my Agreement and I have asked that they honor the XXXX grace period and fix the errors caused by their refusal to comply with the XXXX grace period. Wells Fargo needs to resolve each complaint and outline each issue needed to be addressed ; resolve them or give a legal reason as to why and how they can continue to ignore my request. # XXXX NOTE, Real Estate Note, Promissory Note, etc. but a document called a Note A Real Estate Note or called Mortgage Note or just Note a loan Note is a contract for a loan that specifies the terms and conditions of the loan, such as the principal borrowed amount, interest rate, payment schedule, due date and any penalties or convertibility options. etc. It is a legal binding Agreement that holds more legal significance that an informal IOU. It can have tax benefits for the lender and can be used for financing businesses and startups. So, when I ask for a copy of the Note this is the document, I expect to receive from Wells Fargo. Agreement can be used in place of a Note. However, there are some differences between the XXXX. A Promissory Note is a document that outlines the terms of a loan between XXXX parties. It is a legally binding document that includes the amount borrowed, the interest rate, and the repayment terms. A Loan Agreement, on the other hand, is a more comprehensive document that outlines all of the terms and conditions of a loan. It includes information about the borrower, the lender, the amount borrowed, the interest rate, and the repayment terms. It also includes provisions for default and other contingencies. In the Agreement for the original XXXX loan, that you Wells Fargo provided, and I signed on XX/XX/XXXX, there is no stated interest rate amount for repayment, no P & I payment amount to repay under the loan term, and the repayment terms, beginning date and maturity date. I have notified Wells Fargo in writing NOT TO CALL ME as you are disrupting me during my working hours. You are harassing me by continually trying to reach me by phone during my work hours. I work from XXXX to XXXX. You have been advised in writing that I will only respond to you in writing and therefore I expect the same from you. You are making it obvious that you do not wish to send me a letter regarding the matter you wish to discuss with me as you know if you write to me, I have documentation of your excuses for not addressing your errors or sending me a copy of the Note, or telling me that you have no Note. There is no reason whatsoever that you need to speak with me verbally at all. Just put it in writing! I have posted my complaint on CFPB many times and I have clearly stated my questions and concerns and outlined all you need to know to address each XXXX of them in writing. So, I will continue to post a complaint against Wells Fargo, until they finally do their job and honor my ten ( XXXX ) grace period without screwing up my statement balance. Wells Fargo continues to try to make it look in your favor by sending loads of the same documents they already posted on CFPB. I already have the same documents sent by them many times to me in my possession and now they send a box load by FedEx of the same thing and will probably do it again. Wells Fargo is a wasting time and money and mine as well and doing nothing to resolve the problems. So, if Wells Fargo send a FedEx package to me another with another load of the same repetitive information, I will return it to them. This past response from Wells Fargo, regarding my complaint, the attachments are as following : Part XXXX, contains XXXX pages of statements, XXXX XXXX contained XXXX pages of letters and statements. Same stuff they have posted in the past. They have said or done nothing different. Additional response added to the response in a XXXX place online : Wells Fargo has not provided a copy of a requested legal document outlining the terms of the repayment period such as a written and executed agreement or note containing the interest rate, the P & I payment, the term of the loan, etc. Also Wells Fargo has still not provided a legal document stating that they have the right to ignore the written and signed agreement stating that I do indeed have a XXXX grace period for my monthly payments of which they have ignored since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I believe the amount the company reports and collects is erroneous and there are inaccuracies in the details Wells Fargo wrote about this account. I do not recognize the information you report, I need to confirm that it is correct, complete and accurate. Furthermore, they did not take into account my status as an older adult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23, my credit card with another company was taking out a sum more than I requested, which would have left me without any money in my account. I spoke with the credit card company to alert them ( I thought I had cancelled the transaction but it still went through ). In another attempt to prevent problems, I contacted Wells Fargo ( WF ) and put a stop payment on the transaction and was assured it was for that transaction only. As I attempted to make payments from WF, they were continually being declined. I've made four attempts in less than one month to pay my account. A payment I scheduled to take the place of the other payment was also canceled, so it was really 5 attempts that were denied. It wasn't until today that I was told that WF put a stop payment on ALL payments to my credit card company. I was assured that this would only be for the one transaction. As a result, my CC company decided to close my account, which will reflect on my credit. At no point did WF ever reach out to me while this was happening to find what was going on and to see if they could help, nor did the decline texts ever say it was because they had placed a stop payment on the account. Had that been the case, I would have immediately reversed it. Now, my credit is in jeopardy, all because they did something I did NOT ask them to do. And not only is my card closed, I can no longer use it. Until now, I had never had a late card payment, which I've had the last 7 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have an account with Wells Fargo. It is a checking account. I dont have any special situations or deposits that come through other than cash deposits. I have some recurrent payments that randomly pop my account throughout the month. Over the last year Ive noticed so dramatic change in my account, and its ability to report available balances.over the past couple months its even gotten worse and Ive seen that the available balance will be dramatically off. The bank is pushing and trying to blame on its customers saying that we should be keeping an accurate account of our accounts. Over the past couple months its even gotten worse and Ive seen that the available balance will be dramatically off. The bank is pushing and trying to place blame on its customers saying that we should be keeping an accurate account of our accounts. But isnt that what I bank is for. It is their job. I have opted out of overdraft protection multiple times with the bank. For some reason they keep allowing these overdraft charges. Ive been not ever authorize the charge that I did have the money to pay for. If I didnt authorize the charge, then who did Wells Fargo consider that fraud myself. I dont wan na pay an overdraft fee for Wells Fargo , paying for a bill that I didnt have the money for it to begin with. Wells Fargo needs to be held accountable for this. Its getting ridiculous. Im looking at my account being negative almost {$400.00} and I would never have spent that money. It was merely debit transactions These should be instantly posted on the account. I dont know why they keep allowing merchants to hold these pending things, but the bank gets notified the moment the merchant Hits a payment and they need to start. Actively renewing some sort of log to make this more live and the available balance needs to get corrected immediately. I was told when I called on the phone to discuss this with them that they know the available balance portion of their online banking stuff has had issues over the last several months. So why should I pay for that. I would never have authorize those charges if I wouldve known that I didnt have the money to pay for them. These banks are stealing from us
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had my purse stolen in early XXXX. The person that stole my personal items went to the local branch and deposited a check that was written out to my new married name. Not the name on my actual account with wells Fargo. I hadn't changed it yet. They allowed this individual to deposit several large checks with immediate cash back to an account with names that do not even match. With an ID that doesn't even match my account. This goes to show how much attention they pay to transactions and if they paid any bit of attention, this criminal never would have walked away with thousands of dollars. The XXXX at the local bank wouldn't even meet with me. A teller have me a number to call and that person just offered an apology with no information on what they are going to do about allowing an employee to mess with my account with someone that didn't even have the same name. Could have been completely avoided if they paid attention to names. I will be taking my business elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A