Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XXXX a XXXX XXXX credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX XXXX XXXX XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in XXXX when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT AUTHORIZE THIS ACCOUNT. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
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: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/23, I send a {$3000.00} to a friend in XXXX, XXXX through my saving of Wells Fargo to his account of XXXX XXXX XXXX XXXX, my bank asked me questions about the receivers personal thing and I told them to stop sending money and put it back to my account and they ask me twice do you want not to send money and I answer both yes, my branch called me to answer some personal questions of my friend and told them I want my money back but the bank said they already send the money, my friend called me and said the money didnt even reach his bank, yesterday I called the bank and they said someone in Wells Fargo is holding the money for some reason that they didnt tell me. I want know where is my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I found an apartment first on XXXX in XXXX for a 3 week stay. I was directed to XXXX XXXX via their XXXX number to check on availability. My dates were available when I messaged then, so I went ahead with the booking. The person I was connected with, XXXX at XXXX, sent me a XXXX Genius Travel link to complete my booking. From there they sent me payment instructions as follows : " XXXX is authorized to accept and secure Accommodation Fees and Security Deposit on behalf of the Host as its limited agent. This means that your payment obligation to the Host is satisfied by your payment to us. This helps ensure that both parties are protected under our Terms of Service. Here is how XXXX processes payments : 1.XXXX charges guests when the reservation is approved. 2.XXXX releases money to hosts only 24 hours after the guest checks in. ACCOUNT HOLDER : XXXX XXXX BANK NAME : XXXX XXXX, XXXX XXXX : XXXX SWIFT : XXXX ADDRESS : XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX INSTANT TRANSFERS - CREDIT CARD / DEBIT CARD INSTANT TRANSFERS REVOLUT You must use the exact payment details as written above and only the indicated payment reference. Account names are generated to be unique for each transaction so we can promptly identify and process your payments. '' I used the link connected to " INSTANT TRANSFERS - CREDIT CARD / DEBIT CARD '' which sent me to XXXX. Before sending money via XXXX to secure the accommodations, I called Wells Fargo to discuss the transaction. The representative I spoke to on XX/XX/2023 said the transaction would be covered by Wells Fargo 's fraud protection, so I could proceed without worry. XXXX seemed like a legitimate company when through a quick online search of the name, so I used my Wells Fargo Visa card to send payment. I sent 4 transactions due to a limit on the amount I could send via XXXX in one day. I sent two payments of {$3000.00}, one payment of {$850.00}, and one payment of {$93.00}. Then I went to my reservation page on XXXX, I used the chat function to try to connect my new reservation to my current XXXX account ( going through the link provided sent me to the reservation and payment ). The person on the chat was from XXXX XXXX and to connect the reservation to my XXXX account, they said I needed to upload proof of payment to the reservation which they helped me with. I did have to give the person from XXXX on the chat my credit card number used to make the payments. Shortly after the chat ended and it seemed like I was on my way to getting the new reservation added to my booking.com account, I got a text from my credit card fraud department stating XXXX large transactions were prevented from going through in XXXX, XXXX. I called Wells Fargo immediately to tell them what was going on, but now it all seemed to be suspicious ( which turned out to be true ). I have tried to contact travel-villas.com website, booking.com customer services, and the chat function on my reservation page on booking.com. No one from the property has responded, and booking.com makes it impossible to get help from them directly. XXXX 's customer service won't let you into your reservation unless you have a confirmation code and PIN from booking.com. I was never able to get through to secure one or the other to access the reservation. I have filed 3 fraud claims with Wells Fargo and said they were looking into the matter and temporarily put a hold on the charges, however, I could never get help directly with airbnb, XXXX and XXXX. Eventually, I got a letter rejecting my claim and the charges were put back onto my account. I have tried to resolve this issue with Wells Fargo a few times to no avail and no real help. I filed a complaint with them, but as I said, the complaint was not resolved in my favor, so I disputed the resolution. The dispute also did not get resolved in my favor. I was never contacted to discuss the fraud, the rejection of my case, or the supporting documents I submitted with my dispute ( which I requested upon submitting the documentation for the dispute so that Wells Fargo might understand more fully the situaiton ). I have filed another dispute within the last week and am waiting to hear back from Wells Fargo again. I have a feeling they will never actually pursue the parties on the documentation I have given them since it does not seem like they did the first two times I disputed the fraudulent charges. I was hoping Wells Fargo, who has much more influence ( and relationships with ) the well known, online companies I used to try to book accommodations for myself and family in XXXX, would be able to actually help me and perhaps find the person or persons who stole from me. Instead, they have given me no information as to how they went about deciding the transaction should be entirely repaid by me. It is a very large amount of money, so I am hoping for some help. The companies involved are : XXXX ( I filed a separate complaint against them ) XXXX ( where I found the apartment at first ) XXXX ( who said they managed the apartment ) XXXX ( where the reservation was booked ) XXXX XXXX XXXX XXXX ( where XXXX sent the payment for the apartment ) XXXX : I will submit the same documents to support this claim as my other claim against XXXX. The description of events above will also be seen on two other complaints I filed ( with the FTC and FBI ), but updated with new information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I currently have been waiting over 2 weeks for over 30 transactions and amount close to XXXX $ to be disputed. I was out of town when this happen and they denied my claim saying it was no fraud. Im a father of XXXX and Im about to lose my house because I dont have the money in my account to pay for anything. Ive been given the rundown everytime I call and they just hang up on me. Im very concerned because I can not lose my house and my children because of this. I need this to be fixed ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: * I enrolled for biweekly mortgage payment for this mortgage ( initially was monthly 30 years fixed ) * I got an official amortization schedule for Wells Fargo, which detailed the exact timeline for the extra principal payments ( given the loan is now paid biweekly rather than monthly, I will have specified biweekly payments which will go towards principal. Specifically, each month in which there are 3 biweekly payments, 1 of them should be fully used to decrease the mortgage outstanding amount ). * Since then, Wells Fargo has failed to apply the appropriate extra biweekly payments to principal - contrary to the same official amortization schedule they had sent to me * I called them in XX/XX/2023 ( that was the first month in which one of the extra biweekly payments should have gone to principal ). After spending lots of calls and time, they recognized the error and adjusted the account. * However, I have now called them again just to make sure that in XXXX we do not have the same error / problem again ( XXXX is the next month in which the extra biweekly payment should go to principal ) and they said no. Again, that is against the very same official amortization schedule they had sent me, so that is an illegal practice ( never have I seen a mortgage provider disrespect the official amortization schedule they share with a customer? ) * I spoke with several escalation managers, but they do not provide you with name / contact details/ emails- all you have is a phone number that you need to spend hours on with. Either way, I submitted an official case with them ( I wanted to provide them with an opportunity to redeem before escalating to CFPB ), but all they did was to ignore the issue and say I can not do anything about it. * As a single small consumer, I feel I am being scammed and bullied, and the fact Wells Fargo is not providing me with emails and contact details of actual managers who could solve the issue is unacceptable * As a consumer, I should put full trust in them and what they do- and yet I had to uncover the issue and the problem myself by going in detail through all the accounts payments. I have no faith in them anymore- and to be fair they as an organization are not new to such predatory behaviors against small consumers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XXXX when I was making payment to my Wells Fargo auto, I was told my amount to pay was lower than usual due to a credit. However, come to find out that credit was used in Liu of late fees. Resulting in me owing close to {$300.00} in late fees on my next payment - that have never accumulated before on my account. Ive asked to dispute this to the Presidents level and they simply want to call to tell me those fees stand. Malicious practice from bank representatives that should be more thorough on any credit that a consumer can apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: So last Tuesday XX/XX/2023 someone logged into my account and added XXXX recipients to my account and was able to XXXX {$1000.00} to someone else account. When i seen it on my account i called Wells Fargo. They created a fraud claim and only did an investigation for 3 days. I called and provided the police report number and other information that was needed to help with the claim. They didnt review any of the information that was sent and denied my claim. The reason they provided for denying the claim was because i had not changed my password and they feel like me or someone i know made the transfer. After me steady explaining to them that i didnt know the people and i filed the police report. And the police stated that Wells Fargo wont speak with them. Not they wont give me the money back i need assistance getting the money that was taken from me back. Can someone please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am a victim of double dipping by wells Fargo and I tried talking to them I was informed that they can charge whatever they want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The Bilt credit card by Wells Fargo withdrew my rent payment from my checking account without my consent on XX/XX/2023. The rent payment is usually charged to the credit card itself, and I never turned on a feature or agreed to having the money debited from my bank account directly. My checking account is now overdrafted by thousands of dollars and I will be charged overdraft fees/ can not take cash out of an ATM. I reached out to them immediately and their customer service was of no help, saying they had to escalate the case, but in the meantime my checking account is tied up. Based on other online forums, the same thing happened to multiple other cardholders so there is an issue with their system. It is unacceptable to say the least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A