Date Received: 2023-10-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Multiple dates and amounts with my Wells Fargo account being insufficient due to my balance not properly being reflected. Multiple returned payments, late fees and overdraft fees made even though money was available at the time of transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85040
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX APPLICATION # XXXX Dear Wells Fargo Bank I am writing to formally request to opt out of certain provisions outlined in 15 USC 6803 , which pertains to the sharing of nonpublic personal information about consumers by financial institutions. After careful consideration, I have decided to exercise my rights under this regulation to protect my personal information and privacy. As per the requirements of 15 USC 6803, please consider this letter as my formal request to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. I understand that by opting out, I may limit the marketing communications I receive from your institution, but I am willing to make this choice to safeguard my privacy. Please acknowledge receipt of this request in writing and confirm that you have processed my request to opt out as soon as possible. If you require any additional information or forms to complete this process, kindly let me know. Thank you for your prompt attention to this matter, and I trust that my privacy preferences will be respected in accordance with the law. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-10-23
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: Deposits and withdrawals
Consumer Complaint: I am adding a police report to to a previous complaint I made. I am the victim of identity theft and all my accounts at Wells Fargo were affected. All my transactions were rectified except for one. Wells Fargo says I went into the branch in person to withdraw foreign currency but I was not in the country while this happened. I had all my ID 's with me and I did not give consent for anyone to do this. I was also locked out of my accounts online so I could not monitor this at the time. I also provided my flight information to prove I was not in the country. the previous claim number is : XXXX I made a police and am attaching it here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90063
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a Wells Fargo mobile deposit of a check for {$2100.00} provided by someone claiming to be hiring from XXXX XXXX requesting that I print it, deposit it, and send {$2000.00} of it to a supplier so I could prove myself to be trustworthy enough to become a remote employee. They said I could keep the remaining {$180.00} for my time. The bank deposited {$400.00} to my checking on XX/XX/XXXX and the remaining {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX I tried to send the {$2000.00} to the supplier ( a XXXX XXXX ) via XXXX. The bank denied the request because of suspicious activity so I chose to send two payments of {$1000.00} instead. I really needed the job and they were promising me $ XXXX. The representative was annoyed and asked me to use XXXX to send the rest. But I did end up sending the remaining {$1000.00} through XXXX. I reported the two XXXX transactions on XX/XX/XXXX immediately after the HR representative stopped replying to my messages on XXXXXXXX XXXX. I also reported the bad check via phone. The bad check was noted and the bank did not penalize me after consideration. However, I was still out of the {$2000.00} of my own money I used to send via XXXX to this supplier. I spoke to three online bankers and two managers and they said there was nothing they could do to get my money back because I authorized the XXXX transactions. In the meantime I received multiple instances of mail correspondence from Wells Fargo on XX/XX/XXXX and XXXX regarding my claims. The last call I had with a manager ended poorly because he said the other partys bank was not responding to Wells Fargos attempts to contact them and that it wasnt ethical for him to give me their contact information, and ironically told me I was on my own. This is unacceptable and I need my {$2000.00} back. Wells Fargo is complicit in the fraud as far as Im concerned and for them to prey on a customer who is in between jobs and searching for employment is despicable and immoral. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
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 with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo. XXXX XXXX charges were made on my card that were not authorized by me. I live in NY and was working when these charges were made in Florida. They are not any charges within my normal charges. At the same time my bank accounts were hacked and wiped out. My bank determined it was fraud and reimbursed my money. Numerous cards were attempted to be opened in my name during the next several days. None were opened because the companies realized it wasnt me. The hackers changed the address on my credit report to a Florida address which coincidentally is where these charges were made. I sent Wells Fargo all the documentation to support this and they will not reverse the charges. I have called numerous times to resolve this to no avail. I paid off the legitimate part of my balance but now the fraudulent charges are accruing finances charges. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12533
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : WELLS FARGO CARD SER Account Number : XXXX It's showing that I have multiple late payments ( XXXX ) and charge-offs. These marks are inaccurate and I would ask whoever reads this to check the documentation that has been uploaded for a better understanding of this inaccurate reporting. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Received an email indicating it came from Wells Fargo Support subject line your account has been suspension quickly verify online banking reference XXXX Stating there has been behavior that appears to be out of the ordinary XXXX XXXX XXXX sign into online account here. Best to my recollection, I do not have an account with Wells Fargo support, so I am reporting this as phishing scam fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
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 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 had gone to an ATM to deposit money {$100.00} to be exact to cover a payment coming out of my account the next day. The ATM in XXXX XXXX XXXX took my XXXX dollars and confirmed it had taken it and we drove away shortly after I was informed, my debit card was used but with the wrong pin. This email made me look at my account and I realized Wells Fargo credited my {$100.00} deposit then debited it.. I contacted Wells Fargo immediately to open up a claim that there must be an issue with that ATM. Initially they had put in the claim wrong and it was denied. I asked for a video evidence so that I could show that I did not take that money back out, they would not provide it for me. I called Wells Fargo resolution and they resubmitted a new claim correctly while that was being done. I had gone to the XXXX police department to file a theft and fraud against Wells Fargo so that I could obtain the video from the ATM showing I did not deposit and withdraw the money it was only deposited on XXXX I was reinforced that they denied my claim again because they said I deposited the {$100.00} and automatically would drew it within seconds. I tried to explain to them why would I deposit {$100.00} and quickly withdraw it knowing I have a payment coming out the next day and that I have done this ATM deposits before for this exact same reason and is clearly shown on my account. they didnt care and still denied my claim and kept my {$100.00}. I have asked a supervisor of the XXXXesolution department of Wells Fargo to contact me because they would not escalate it while on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
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: 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: Using the XXXX app, I booked XXXX night at the XXXX by XXXX XXXX in XXXX, PA. The app reserved the room using my XXXX XXXX XXXX XXXX. When I checked into the hotel on XX/XX/2023, the desk clerk requested a credit card for any additional items. Since I did not have my XXXX credit card with me, I gave the desk clerk my Wells Fargo credit card. My husband and I then went out for dinner in a nearby town and returned without charging anything to the room. When we checked out of the hotel on XX/XX/2023, I asked for a copy of the bill. The only charges were for the guest room and tax, which was charged to my XXXX XXXX card ( see copy ). I was told that there were no charges on my Wells Fargo credit card so no additional receipt was provided. I paid both credit cards in full on XX/XX/2023. The following day, I reviewed all the charges to verify the accuracy and noticed that the XXXX by XXXX hotel had charged my Wells Fargo credit card {$32.00} on XX/XX/2023 ( see copy of credit card statement ). I called the hotel and asked about the {$32.00} charge. The hotel XXXX said that she had no evidence of such a charge on my hotel room or on my Wells Fargo credit card. I asked that she have the accounting area investigate the issue and contact me with the result of the investigation. I stated that I was filing a dispute with Wells Fargo. I called Wells Fargo, stated that I had just spoken directly with the hotel, and submitted a dispute over the telephone describing the details of the situation. At XXXX on XX/XX/2023, I received a call from XXXX. The caller said that he was with Wells Fargo and was investigating this credit card dispute. He asked me whether I had first contacted the hotel. I said that I had and noted that I had told the Wells Fargo employee that originally accepted the dispute. I gave him the details that I had already given to the initial employee. He told me that the dispute was not valid and that the transaction was not a fraud since I gave the hotel my credit card when I checked into the hotel. I stressed that I had not authorized the transaction. When I gave the hotel my credit card, I only authorized it to be used for anything that I might purchase during my stay. The Wells Fargo employee stated that the unauthorized transaction did not involve Wells Fargo and that I had to handle it by myself with the hotel directly. I repeated that I had tried that before contacting Wells Fargo about the unauthorized credit card. It was very clear that the Wells Fargo employee was attempting to discourage me from acting on my rights to only be held accountable for charges that I authorize. If Wells Fargo is willing to act so aggressively on a {$32.00} dispute, it is highly likely that this is a standard bank practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/ Wells Fargo mailed my husband and I a letter. We received in on XX/XX/XXXX. In it they said they were closing our two checking accounts. They gave no reason why, so on the same day we called the number that was listed at the bottom of the letter. The representative refused to give us a reason that the accounts were closed. He said that the bank was not obligated to tell us the reason. That was the end of the discussion. We know that accounts are typically closed if they are rarely used, if there have been a number of overdrafts, if something suspicious seems to be going on, or if there has been fraud. None of those pertains to us. That's why we are stumped. Please help us find out why they have closed the accounts. Perhaps they can reverse their decision
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A