Date Received: 2023-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo bank XXXX, Az. Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit card company name : Wells Fargo Bank Credit card number : XXXX XXXX XXXX XXXX Account number no. XXXX XXXX XXXX XXXX XXXX, hereby make a claim TO WELLS FARGO BANK based on the following Facts : XXXX. On XX/XX/XXXX, a CHARGE was made to my credit card no. XXXX XXXX XXXX XXXX without my authorization in the amount of {$5000.00} dollars ( XXXX XXXX dollars ). XXXX. On XX/XX/XXXX, a DEPOSIT was made in the amount of {$5000.00} dollars ( XXXX XXXX dollars ) to my checking account number XXXX XXXX without my authorization. XXXX. On XX/XX/XXXX, an online charge was made to a termination card XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$4800.00} dollars ( XXXX XXXX XXXX XXXX and XXXX dollars ) without my authorization. XXXX. I do not know about this card or company called XXXX XXXX XXXX XXXX XXXX XXXX and I have no contact with anyone who could have a card from this bank. XXXX. I do not have any device, computer, phone, tablet from this XXXX XXXX company. I conducted an investigation by telephone at the telephone number that appears on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX page, and they informed me that it was necessary to have an XXXX device or telephone in order to have an XXXX XXXX XXXX. My credit is being seriously affected since in recent months I had a score of XXXX and with this error it has dropped to XXXX. XXXX. That I am applying for a home loan but this situation is affecting my credit record. XXXX. This situation affects me not only economically, but also emotionally and XXXX, since they try to force me to pay for something that I did not acquire. XXXX. In my more than 10 years with my credit record, I have never made purchases through my card or made charges of similar amounts. I have always been careful. XXXX also inform you that on the day the charges were made, it is impossible for me to access a computer or my phone since I was at work. XXXX. That on XX/XX/XXXX I presented complaint that was recorded under claim registration no. No. XXXX. Therefore, in the most attentive manner, I claim and request WELLS FARGO BANK XXXX. Carry out actions and investigations regarding this case. XXXX. Request from the XXXX XXXX XXXX XXXX XXXX XXXX company information on the beneficiary of the account XXXX to which the amount of {$4800.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) was deposited on XX/XX/XXXX. XXXX. Investigate my credit behavior records since I always pay on time. XXXX. Once you obtain the information that I request, let me know who benefited from that amount that was charged to me. XXXX. Since this situation is causing me emotional deterioration, I ask you to do the investigations that will help us clarify this situation. XXXX. Likewise, please cancel the amount {$5000.00} charged to my credit card since I did not authorize it. I do not recognize this position. Without further. I appreciate your attention to this claim that I presented on XX/XX/XXXX. XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85706
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CFPB case number XXXX follow up I received a digital response from Wells Fargo to this report on XX/XX/. The cover email said the case had been closed. I could not open the file because it was corrupted. On XX/XX/, I received a letter from XXXX XXXX, Escalation Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, cc : Consumer Financial Protection Bureau. Problem 1 ) The first two pages of this missal say the case is closed and no transactions appear on my statements after XX/XX/. This is clearly not true because the charge appears on the copies of my XXXX, XXXX, and XXXX XXXX Wells Fargo statements which are in my files. Problem 2 ) XXXX XXXX included with the letter addressed to me at my home address in XXXX, AZ, twelve ( 12 ) pages of double-sided printouts of Wells Fargo Combined Statement of Accounts dated XX/XX/ and XX/XX/XXXX XXXX XXXX as well as Wells Fargo Active Cash VISA Signatures Card XXXX account ending in XXXX, dated XX/XX/ to XX/XX/, and dateXXXX XXXX to XX/XX/. The identifying name and address on all 24 sides is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX. Not only has Wells Fargo refused to address my original complaint, but also Wells Fargo has now exposed another customer 's identity to me, a person who has no right to see XXXX XXXX 's financial records. I had spent months attempting to enlist Wells Fargo in efforts to rectify its records in relation to my own account. Not only is my own issue not resolved, but also Wells Fargo has created a situation in which another customer needs to act to protect her financial information. I must admit this makes me very concerned about just how all financial information is managed at Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85365
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wells Fargo Bank offers an XXXX XXXX XXXX service where direct deposits are available 2 days prior to actually depositing. On XX/XX/2023, I received my early direct deposit into my checking account and utilized the funds. Wells Fargo Bank allowed me to use the funds as they had them marked as available. The next day I was told that the early direct deposit had an error and did not reflect and that there was a {$2800.00} transfer from my Wells Fargo credit card to my checking account to cover the supposed overdraft from the transfers made the previous day. I called Wells Fargo on XX/XX/2023 to report the issue ( thinking that there was an issue with their overnight processing ) they admitted to their error and stated not to move the funds back to the credit card because they would be fixing it. My balance on my credit card at that point was {$2800.00}. I was told that they would fix the issue by the end of the week. I called back on XX/XX/2023 because there had been no changes. When I called they again acknowledged the issue, stated that they would fix it prior to the next billing cycle, and that I should not do anything myself. They stated that I would not have interest charged and should not see any reflection in my credit reporting. My credit card balance at that time was still {$2800.00}. I called back on XX/XX/2023. Wells Fargo did not acknowledge the issue and attempted to say that I had overdrawn my account of my own volition. I requested a XXXX and the XXXX said that I could make the payment myself ( which would reflect that I paid it- and not a bank error ). My statement ending date was XX/XX/2023 and the credit bureaus are reporting that my balance is high and my XXXX XXXX was lowered. Wells Fargo did not offer anything to fix the issue and could not tell me when it would be fixed. They had no answer as to how they would address the credit reporting and still my balance is showing {$2800.00} and I have been charged interest on the account. They have not given any response as to how they are going to fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29710
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: On XXXX, XXXX, I was hacked in the morning at XXXX XXXX. I got a text message at XXXX XXXX about a recipient being added to XXXX, XXXX XXXX. I went to my computer and changed my information including my username and password. This hacker made three transactions of XXXX using XXXX. Then they did a wire transfer XXXX, but it didn't go through. I called the fraud department at XXXX XXXX to open a claim. I got a mail on the XXXX of XXXX from the Wells Fargo fraud department and provided as much information including the recipient, and phone numbers that were added to my account. I was denied on the XXXX saying, " Our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the transactions were authorized. We have closed your claim. '' Now, I'm here on CFPB trying to get the money that was stolen from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I mailed a check at the Post Office in XXXX on XX/XX/XXXX. I went inside the Post Office to mail it. The check was stolen from the Post Office and washed by a Thief. I have filed a Police Report with the Postal Service. The check was " washed '' from {$30.00} to {$3000.00} and cashed on XX/XX/XXXX right before the XXXX XXXX XXXX. I checked my account the day after XXXX XXXX and noticed the fraud check. I immediately called the bank to report it. I never heard anything back after a week so I called them back. They said it was coded as a 'check dispute ' and not as a 'check fraud ' and they would be in touch. I never heard back. I called them again and they said they would send me an affidavit. They suggested that I go to the branch and have their Banker assist me with completing it, having it notarized and faxed over to them. I did that on XX/XX/XXXX. I never heard back so I called them again. They said they received the affidavit but they needed more supplemental information. I gathered it all and faxed it over to them 3 different times. I never heard back. So I would call back each week and inquire about the status and each time I was given little bits of information. If I did not call them I would not have known that the faxes were not received/ not readable. Each time I called I asked for an InvestigatoXXXX to call me and update me since the Customer Service reps only had limited information. The last 2 times I've called I filed a customer complaint and was told that someone from the Executive Team would call me back. I called them back again on Friday XX/XX/XXXX and asked why I have not received a phone call. They said they tried to call me and could not reach me. That is a lie, no one has every called. I've called them for 8 weeks in a row and have never gotten a phone call back and am always told I will receive a call in XXXX hours. I never have. I did receive a letter from them saying that they are requesting the money back from the Thief 's bank and that will take XXXX days. I am in need of my funds right away as I have an XXXX parent that I support and can not go without the funds much longer. The bank ( s ) made an error in cashing the check. It looked horribly fraudulent and sloppy and had my account number from the utility company in the memo line. I have never written out a check for that amount to random person in the 30 years I've used this bank. Please offer any assistance you can since the bank has ignored me for 8 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
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: Transaction was not authorized
Consumer Complaint: Ever since moving to XXXX, my card has been stolen several times and although I do my best to protect that information by using my wallet or tapping my card ; my information still seems to get stolen. I have never had my card physically taken from me but unauthorized transaction are a dime a dozen. Wells Fargo will deny my card if I make an {$80.00} purchase but will authorize transactions equaling up to over a XXXX dollars over multiple purchases made in a day. The charges I got from XXXX XXXX makes no sense as I've never been to a XXXX XXXX in NY as of yet since I don't live near one. MY claim being denied with no supporting documents other than a reiteration verb They then had the nerve to tell me that my chip was present since I knew that just couldn't be possible as far as I knew. Based on what the woman over the phone told me, I'd have to literally go outside and play detective in order to get my money back from Wells Fargo. NO matter the outcome of this complaint, I will be closing my account with them as this is absolutely ridiculous on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: On XX/XX/2023 Wells Fargo, NA filed a foreclosure complaint against fictitious persons XXXX XXXX, HUSBAND OF XXXX and XXXX XXXX XXXX XXXX XXXX, HIS WIFE ( see attached, Case Details : XXXX | General Equity Docket # XXXX ). I have informed Wells Fargo, NA that i am a living woman, i am a member of the General Public, and i am standing under the Public Law. Mr. Attorney called i a " XXXX Citizen '' ( Mr. Attorney is implementing a propaganda campaign against the peaceful non-combatant people of the states of the XXXX and mischaracterizing them as XXXX Citizens ). Wells Fargo, NA claims that they have all documents to prove standing for the complaint. I requested the original note and mortgage with the indorsements. Wells Fargo, NA has never provided the original documents with indorsements on them. Attorney - XXXX XXXX XXXX XXXX ( substitution of counsel ), court clerk, court administrator, and the judge XXXX continue to conspire against i despite all the evidence of the mortgage fraud i provided ( including Affidavit of XXXX XXXX XXXX - licensed private investigator on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX License # XXXX ), continue to fabricate fictitious documents ( like a copy of the XXXX to the note that had no records of existence before XX/XX/2023 ), robosign documents. XXXX XXXX denied my motion to Compel Discovery and granted Motion for the Summary Judgment to Mr. Attorney even though Mr. Attorney had not answered interrogatories, had not provided requested productions of documents. Mr. Attorney admitted that XXXX XXXX Trust was not named as payee on the XXXX XXXX and mortgage and does not now have rights to the XXXX XXXX . For the XXXX XXXX XXXX to gain rights to the XXXX XXXX , the XXXX XXXX XXXX would have to be named payee ( XXXX XXXX XXXXXXXX ). Why does the judge still moving with the foreclosure and calling living people fictitious entities? Public Record of our Political Status, land grand, and cancellation of all powers of attorney can be found in Book XXXX XXXX XXXX XXXXXXXX XXXX ( Pg XXXX - XXXX ) and on the XXXX XXXX XXXX website : 1. Go to XXXX XXXX XXXX then click ENTER 2. In the box labeled To locate/verify member record, enter : enter the recording number # XXXX and # XXXX 3. Follow the link Go to All Published Documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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: To whom it may concern, This letter is to express my dissatisfaction with Wells Fargo 's credit card dispute practices and customer service. I don't check my Wells Fargo credit card account regularly. One day, I realized there was a charge totaling {$1600.00} from XXXX I called XXXX to report the charge which I didn't authorize for. They said they can not refund it even though it was a fraud charge. Then, I contacted to Wells Fargo on XX/XX/2023, to dispute the fraudulent charge. They credited the full amount 2-3 days after my call. Then, I saw bank adjustments charges of {$190.00} and {$360.00} on the XXXX of XXXX. I called the bank to ask about those charges. They said that XXXX refunded the money, because of that, there are adjustments. In XXXX, when I log into my account to schedule payment for my credit card. I noticed that the total balance is quite high. I checked the activity and saw that there was a charge " bank adjustment '' totaling {$1000.00}. XXXX. I called three times to ask about for this charge. I was told that this was the rest of the XXXX XXXX charge they credited, so Wells Fargo is charging for the fraudulent activity in my account. I don't have any evidence or any supporting documentation for their decision. They didn't help me with the fraudulent charge, on top of of that they didn't even bothered to follow up with me. I was proactively following up with them, although no one could even answer my questions. XXXX of their customer respresentatives hang up on me. The other customer representative misinformed me, basically lied to me saying that XXXX is paying me back, and it is a pending transaction, that is the reason why I don't see it in the activity center. It has been a week since my last contact and I haven't seen an incoming fund so far. Wells Fargo unprofessionally mishandled my situation and failed to resolve the fraudulent charge. Sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have made good faith efforts to get my account refund sent to me but Wells Fargo has continued to deny me my right which is a clear violation of 12 CFR 1026.11. This company has my phone number, Email, and mailing address and yet they have decided to willfully violate federal law by denying me my right to an account refund after account termination. I want the full balance of {$7300.00} sent to me via electronic funds transfer and for this company to obey federal law. 12 CFR 1026.11 - Treatment of credit balances ; account termination. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. Below are the errors I have identified : WELLS FARGO FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO FINANCIAL customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A