Date Received: 2024-02-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/24, I came to Wells Fargo to upgrade my checking to Premier Checking and to open the lowest fee XXXX XXXX with a {$520.00} offer ( offer code XXXX ). During account opening, the banker advised me to open a Platinum Savings ( highest fee ) account instead, and pointed to a QR code that he advised me to scan ( offer code XXXX ) for 4.6 % APY for 12 months on the savings. When I asked specifically if both offer codes could be applied, he said yes- he would apply the {$520.00} offer upon account opening, and would apply the other offer code after the account was opened. Due to the higher rate he was offering to combine with my {$520.00} offer, I opted to open the higher fee Platinum Savings for the higher 4.6 % rate. However, after opening the Platinum Savings account with my {$520.00} offer code, the banker was unable to apply the 4.6 % APY promo that he had promised. He called support and was told that the second code could not be applied. Had he told me this up-front, I would have opened the XXXX XXXX account instead. I feel that this was a bait-and-switch situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The negative items came back verified and are inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I did send in a report to CFPB along with proof telling them of the fraud and theft identity that I went through and they open an investigation which was done with in XX/XX/XXXX along with XXXX, XXXX, XXXX, XXXX XXXX and Federal Trade Commission. They all admitted there was a fraud and it wasnt my fault but Well Fargo did a deduction of {$2600.00} that was deposited into my account and said that the investigation came back that I dont owed them XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57103
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 - {$3800.00} deposit was OK on that same day, a {$1000.00} deposit was recorded but {$2000.00} was supposed to go through, or XXXX $ short. The ATM obviously was having trouble counting unlike the first transaction where the amount was correct and the ATM finished processing quickly, as the ATM was stalling for a long period before concluding the transaction, and noticing the amount was short when it was displayed, I was hoping that it would get recognized later somehow as I didnt want to open the ATM tray again but the machine eventually became jammed. My mother had this same issue for about {$580.00} at a different ATM but with the same bank and somehow she has credit permanently resolved into her account but mine was retracted. I called the bank the next business day ( XX/XX/XXXX ) and they initiated the provisional credit and investigation. Until XX/XX/23 the investigation was concluded in their favor and supposedly sent a mail detailing this. I never received a mail about this, and the credit was rescinded on XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27262
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is the second time my card has been used for FRAUD and wells fargo has denied both of my claims. SCAMMERS CAN EASILY STEAL YOUR CARD INFORMATION AND CREATE ANOTHER TO STEAL YOUR MONEY!!! THIS HAS HAPPENED TO ME MY ACCOUNT HAS BEEN USED FOR ONLINE PURCHASES AT XXXX AND XXXX AND WELLS FARGO DID NOTHING BUT DENY MY CLAIM THE DAY AFTER I FILED IT!! THIS IS FRAUD AND AS A FIRST TIME CUSTOMER I DO NOT FEEL PROTECTED. I WILL BE CHANGING BANKS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Capital One, Account name : WELLS FARGO Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which mandates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was incarcerated from XX/XX/year> until XX/XX/year> on XXXX XXXX I wrote to Wells Fargo requesting a freeze on checking account XXXX until I come in person. Then as a follow up to the letter, on XX/XX/XXXX I had my buddy ( XXXX XXXX ) who was in XXXX XXXX do a three way with his mother to Wells Fargo to make sure that my account was frozen as I requested in my letter to Wells Fargo dated XX/XX/year>. Subsequently Wells Fargo for whatever reason did not freez my account because my balance should of been {$3700.00} direct deposited from department of treasury instead it was negative XXXX XXXX dollars I was surprised to find this out and upset. At this point I asked them on a recorded line to freeze account XXXX including debit card including online and including checks until I come into the bank with my drivers license / ID in person to un freeze my account. XX/XX/XXXX I was XXXX XXXX XXXX to the VA XXXX XXXX XXXX when I arrived first chance I had I checked and my balance should of been {$7100.00} in stead it was only {$5.00} Wells Fargo failed to do what they said they would do during my phone call with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer of Wells Fargo Banking for over 18 years. I opened an account after coming to the area for my first year of graduate school. In early XXXX, my father passed away and I received an inheritance from his estate in late XXXX. After being a customer for his many years, once I receive the check from my late father 's estate, I went into the XXXX XXXX XXXX of Washington XXXX to deposit this with the assistance of a banker there. At the time they informed me there was no manager present, but the banker directed me to deposit a {$100000.00} check into the ATM instead of doing at the desk. I deposited the check, and it was accepted into the ATM. Two days later I received two emails stating all my account will be closed in 7 days due the large deposit. I then called back a representative who stated the same. She stated that I must present a letter with deposit information from the original bank in order to receive my funds and for my accounts to avoid closure. I went ahead and began to receive this letter from the original bank holding the estate account in New Jersey. I then went into the XXXX XXXX branch to further understand what would happen to my accounts and if they could assist me in avoiding the closure of my accounts. The Banker there repeatedly stated after making calls to what he called the " back office '' that because my savings account had little to no activity in it, they were not going to allow the deposit to go through without information from my brother who handled the account from the original bank. I had already waited several hours through this first day to speak to the representative there, XXXX XXXX, who then provide this information. I spent almost XXXX hours in total missing work hours remaining in the branch. After I confirmed that I would receive this information from the New Jersey bank, I provided this and then following day he receives that in the morning. I never received a call from him confirming her received it or if it was insufficient. As XXXX was coming, I waited for his call the day after XXXX to tell me if the letter was sufficient and to return my call. He did not. I then took off an additional day of work after XXXX to go to the bank and understand what happened to the original letter. They did not have anyone present to assist me and gave me the number to call a district XXXX who by email stated that I must provide the following additional information from the new jersey bank as the original letter was not sufficient in an email as follows : " Good XXXX XXXX XXXX Previous letter has been received, just called our Backoffice and there is information missing. Please see below, Proof of Payment information needed : 1. Letter in a Bank letterhead, 2. Bank address, 3. Representatives information Banker name, title, and contact information, 4. Statement of why the check was given from acct holder to payee 5. Check information ( check number, dollar amount, date, etc. ) 6. Payee name and relationship to account holder 7. When the check issued cleared other financial institution Im copying the XXXX XXXX XXXX so we all can have the letter in case of anything. Thank you! XXXX XXXX '' -- -- -- -- -- -- -- - The bank in New Jersey stated they had never provided any information like this before and therefore did not know if they could provide this without the legal department involved. Again, I had no idea what would happen with the XXXX deposit and also, I had no access to my accounts as they were frozen. All bills were being rejected as well as my direct deposit form my employer. The bank in New Jersey bank stated several times that were uncertain as to why the fraud department was not handling this rather than the information that was being asked of me. They were not able to provide that by the third day with what was needed above. I now worried that my father 's estate money was going to be divided up in cashier 's checks over the course of many months while my accounts would close or that it would be frozen indefinitely. This is because at no point in any letter, phone call, or communication was it communicated to me that the deposit would become available on certain date. No banker communicated this to me until on the fourth or fifth day of aiming to talk to a manager of the XXXX XXXX XXXX. I then took another off another half day of work to call and track down a regional manager who finally returned my call. XXXX XXXX, regional manager and XXXX XXXX, called me back and stated that the deposit may become available the following day but that they will close my accounts. He stated he is uncertain if I would be able to retrieve any funds if I do not provide the above information. He said without the letter with the exact information that was requested the bank can do what they want with the funds and send whatever is leftover in the account after closing the accounts. I let him know that the New Jersey bank stated they had never been asked to prove the relationship by which the check was written, in this case, my brothers relationship with me on bank letterhead. Therefore, I was not sure if they would write this. He then stated then they will close my accounts and provide small cashiers checks over the course of months of the money leftover in the account. I was extremely bereft with sadness and loss due to the thought of possibly having lost my and uncertain about my father 's estate given to me. I was in a stated of emotional loss and distress. After this harrowing phone call, I decided that maybe I should just call Loss Prevention and the fraud department. Finally on Tuesday XX/XX/XXXX, a loss prevention associate state that none of this was need3ed and a simple phone call to the bank in New Jersey would verify the existence of the bank. As they were on the phone, they simply verified the bank existed and did not ask for any proof of who my brother or a statement of why the check was given. They verified that there was enough money in the account. She stated my funds would be released immediately. They at no point required that my brother was related to me and why the estate was being sent to me. They said they do not ask another bank at any time to provide this type of information on behave of a customer to another bank. Additionally, at no point, did any banker or customer service repetition tell me that the money would be released or how to unfreeze my accounts or how to avoid having eh leftover money to be sent in some months after in cashiers checks. I only received letters several weeks later stating that the deposit was going to be released on certain date. In total, I deposited this check on XX/XX/XXXX and the ordeal ended on XX/XX/XXXX. I lost XXXX days of work in total completely cancelling clients and patients as I had no sense of what would happen. I field several complaints to Wells Fargo and they simply sent me letters stating that the funds were released on X Date after a brief hold complete dismissing the emotional duress that I went through along with the loss of work and compensation, as I work as a consultant. I am also a working mother and I deserve to be compensated for my work in loss of income. I have also extensive notes on what transpired, emails, and phone numbers if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WELLS FARGO XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WELLS FARGO WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX dealership. I told him I was going through XXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A