Date Received: 2023-10-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had been looking to start a business and was looking online for XXXX XXXX vending machines. I found some on a website called XXXX and was chatting with the manufacturer, it seemed legit and paid them everything they asked for and never received my items I havent been able to get a hold of them and was reading online that XXXX is a scam and people are forced to fork out thousands of dollars to fake XXXX manufactures that never deliver the product I need support with these fraudulent scam transactions please and thank you XX/XX/2023 - {$1300.00} XX/XX/2023 - {$4600.00} XX/XX/2023 - {$4400.00} XX/XX/2023 - {$510.00} XX/XX/2023 - {$5600.00} I did contact our local XXXX Police Department and XXXX report for these fraudulent transactions and being scammed, they advise me to file an XXXX report with the FBI, which I did as well. The detective approved my claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: They told me to not make payments and go into default. Before they would have helped me. And then they refused to modify and it was to late to catch up and they took my house. Our lives have been in Limbo since. They crushed us and we never recovered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Wells Fargo is not answering the questions I am asking. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX andXX/XX/XXXX That is on ( attachment XXXX ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/, I was the victim of a scam. That day I received a call from XXXX regarding a special offer. Because this caller did have my XXXX account number, I assumed this offer was legitimate. However, after purchasing three XXXX gift cards from our local XXXX store with my debit card, I realized it was a scam. Within an hour after purchasing the third gift card, I immediately went to our local Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, DE XXXX. At this point, the transactions were still pending in my account. I went into the bank and explained what was going on and requested that they not allow these transactions to process. I was told there was no one available to assist me and I should call the 800 number. I was very upset and while in the parking lot of the bank, I proceeded to phone the Wells Fargo XXXX number. I explained the situation to the Wells Fargo representative and requested that these transactions not be honored. After being on the phone with the representative for approximately 10-15 minutes, we were told a hold would be put on my debit card and I would receive a new debit card. Unfortunately, even after my efforts to get Wells Fargo to deny these transactions, the following XXXX gift card purchases were authorized by Wells Fargo as follows : XXXX XXXXXXXX XXXX {$360.00} XXXX XXXX Card XXXX XXXX XXXXXXXX XXXXXXXX {$490.00} XXXX XXXX Card XXXX XX/XX/XXXX XXXX # XXXX {$360.00} XXXX XXXX DE XXXX CardXXXX That evening, I called the DE State Police to report the scam. State Policewoman XXXX XXXX came to my home to take a Crime Report. The Complaint Number with the DE State Police is XXXX. During Officer XXXX investigation of this scam, it was revealed that the scammers had not gotten the information to obtain the {$490.00} purchased gift card. Therefore, I could still use that gift card. On XX/XX/, the Wells Fargo Bank did issue me provisional credits in the amounts of {$360.00}, {$490.00}, {$360.00} for a total of {$1200.00}. However, on XX/XX/XXXX and XXXX, XXXX, they reversed these credits in the amounts of {$860.00} and {$360.00} for a total of {$1200.00}. Although I know I am responsible for falling for this same, since I immediately went to Wells Fargo Bank to stop this scam while the scam was going on and these transactions were pending, and I was turned away from the Bank, I believe the Wells Fargo Bank should credit me for the two {$360.00} transactions in the total amount of {$720.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: We attempted numerous loan modifications, but ultimately were foreclosed on even though we submitted all requested documentation and made the necessary trial period payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 268XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Okay I went into the Wells Fargo branch on XXXX XXXX in XXXX Virginia to withdrawal cash that I had received through the XXXX app so I was going to put the money back in my account to get a cashier 's check and they proceeded to tell me they embarrass me in front of everybody but say that I was being scammed and proceeded and I kept saying I'm not being scammed they proceeded to tell me I was being scammed okay and then they freeze my account put a hard hold on it for I can not access any money or anything and tell me that people have requested a refund because it was an unauthorized use of the XXXX app which I got no documentation or proof of and this has been going on 3 weeks now my account was supposed to close yesterday on the XXXX I have not paid my rent because of this I got an eviction notice because of this and they're telling me they're going to keep it open until XX/XX/XXXX in case there's more people there wasn't but three transactions done Wells Fargo this is the second time I've dealt with these people the first time they did the same thing to me same back thing same issue and I think they are to be held accountable because first of all no proof of anything they can't give me no proof I can't even go in the bank and tried to get in my account no longer allowed to have online access you know my rent was due on the XXXX of this month and today is the XXXX and I got an eviction notice because of this that money belongs to me fair and square and they need to pay me my money let me have my money because all this is false accusations and I want something to be done I'm tired of Wells Fargo treating people like this I'm not the only one that's been done like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I opened a Wells Fargo Bank XXXX XXXX account that required {$25000.00} in deposits to be made by XX/XX/2023 in order to qualify for a {$520.00} savings bonus so long as the {$25000.00} was maintained in the account until XX/XX/2023. I met these requirements. The offer code was XXXX. The bonus, according to the Wells Fargo savings bonus promotion, would be deposited in my account by XX/XX/2023. This did not happen. On XX/XX/2023, I spoke with the Wells Fargo banker who opened my account to inquire about the missing bonus. She stated that I fulfilled all of the requirements and that the bonus should post no later than the end of XXXX. When the bonus had not posted by XX/XX/XXXX, I went to see the XXXX XXXX XXXX XXXX. He called the Wells Fargo back office. The representative told him, in my presence, that I had fulfilled all of the requirements and that the branch manager should submit a form to escalate the matter so that it could be resolved. The form was filed in my presence. The manager asked me to check back with him in 10 days. On XX/XX/XXXX, I again saw the manager. He again contacted the back office. I was again reassured that I had met all of the bonus requirements. I was told to expect a telephone call within XXXX days. That did not happen. On XX/XX/XXXX, the manager again contacted the back office and was informed, in my presence, that I had not met all of the requirements for the bonus. I never received any written communication from Wells Fargo regarding this. As a consequence of Wells Fargo 's representations that the bonus would be forthcoming, I kept the {$25000.00} in my account, earning virtually no interest, until XX/XX/XXXX when I withdrew most of the funds. The account, however, remains open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2023, I noticed that I began to receive charges from a merchant called XXXX. I immediately contacted my bank and informed them about the charges. The initial claim was filed in XXXX, my account was credited almost {$1000.00}, and the claim was closed with no issues. The agent that submitted the claim advised me to call back and submit another claim if I discovered more charges. On XX/XX/XXXX, another claim was filed for the same merchant with my bank. There were a total of XXXX unauthorized submitted with the new claim. On XX/XX/XXXX, my claim was denied after being promised provisional credits for two weeks. On XX/XX/XXXX, I contacted the merchant directly, who confirmed I do not have an account with them and someone indeed made fraudulent charges. After speaking to the merchant, I contacted Wells Fargo AGAIN. I got to the claims department, talked to a representative, and explained what the merchant told me. She stated that my claim had been denied and she couldn't reopen the claim. I asked if the merchant had sent an email saying they closed the account that contained my payment information, the charges were unauthorized, and they needed to work with my bank regarding a refund. And I asked what I needed to do to resolve this issue. She told me to send that email to the claims department, and someone would contact me within XXXX hours. She gave me the email address and told me to send over an email from the merchant stating the charges on my account were fraudulent, and we would go from there. Once again, I am still waiting to hear back from Wells Fargo. This situation has caused my son and I to lose everything we own, and we are now homeless. I have contacted the Executive Office at Wells Fargo, which continues to give me the run-around. I have attached all of the transactions below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23, Upon reviewing my checking account NO # XXXX Transactions, I noticed 3 transactions in the amount of {$60.00}, {$40.00} and {$40.00} have been charged from my checking account by an unauthorized person then the fraud department filed a fraud investigation. Two days and by XX/XX/23, another amount in the amount of {$750.00} and {$50.00} were again taken from my account by an unauthorized person. Again i contacted the fraud department and they confirmed that they have sent these items to be investigated. I was then told that I will be contacted after 10 business days on their finding and my account will be credited for all the amounts. Then on XX/XX/23, when i contacted the fraud department they told me that they will not be refunding back all the unauthorized amounts. the total unauthorized amounts were {$940.00} The bank then ( Wells Fargo ) told me that due to a 60- Day liability clause. they will not be refunding back the total amount of {$940.00}. I find this incredible and very suspicious to believe so I decided to purse a further investigation in order to get my money refunded. I will gratefully like to hear from you guys. The fraud department phone number is XXXX XXXX FYI too the Ref NO for this investigation by the wells fargo fraud department is XXXX. With this Information i hope you can help me get the truth by talking to wells fargo. my name is XXXX XXXX XXXX and my number is XXXX XXXX XXXX. Please let me hear from you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A