Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In 2017 a 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, and 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 2017 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: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I started a part time job online it was to review some applications. after pushing the applications thru the website XXXX XXXX advised me I needed to submit a deposit to release the funds. I completed transactions from my bank on XX/XX/23 for {$160.00}, XX/XX/23 {$160.00} XX/XX/23 {$450.00}, XX/XX/23 $ XXXX $ XXXX {$2200.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} I submitted this to my bank as an authorized push payment I was scammed into submitting this payments. I reached out to my bank immediately and did not want to submit the claims and refund the money I know there are protections in place for situations like this. Please open an investigation for the bank will not assist in refunding these in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX, XXXX I applied for a refinance through Wells Fargo. At the time I was involved with a lawsuit with a local air condition company for XXXX. The company turned it over to a collection agency. I was informed by Wells Fargo in order to get the loan I would have to pay the XXXX due. I asked my lawyer and he told me not to pay this and to cancel the refinance. Since the I won the lawsuit. Since I cancelled the loan Wells Fargo has declared war on me. I have had to cancel my debit card 7 times in the past year due to fraudulent charges being put on it. In XXXX, XXXX I used WF bill pay to pay my XXXX XXXX XXXX bill. My money was taken out of my account but XXXX XXXX XXXX never got it. My services were disconnected. It took me XXXX month to get this straightened out. In XXXX I paid my gas bill to XXXX XXXX XXXX Wells Fargo denied the payment saying that there were " insufficient funds ''. The funds were there. During this time I could not sign on to my account. Wells Fargo said it was for security. They also quit sending me my statements. In XXXX, XXXX I paid by electric bill for XXXX. Wells Fargo held the payment out for XXXX weeks citing " security '' Right now I am trying to pay my XXXX account which I have done for the past 15 years. I have never had a problem with it. I paid it XX/XX/XXXX and it went through. I just got an email from XXXX refunding the money because Wells Fargo said my account was invalid. I believe that there is criminal activity going on here. I am XXXX XXXX XXXX and living on nothing but Social Security. I need someone to help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 there is an unknown check that was posted to my account with funds of over {$3000.00} were withdrew in error. I called the bank as soon as I noticed the transaction and after being on the phone for one hour, they acknowledged that it was a mistake on their part. That the funds would be back into my account within 10 days. I requested the funds to be back into my account within the next day and the banker indicated that the funds should be returned in an hour. This morning the funds were still missing from my checking account. They again confirmed that it was their mistake but that it would have to be processed through their claims department which may take up to 10 days. I requested that my funds be returned to me within the next day to pay my bills. There was no resolution after I spent 2 hours on the phone and was transferred 4 times to different bankers/supervisors at the " executive '' level.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had {$2000.00} removed from my bank account. I called Wells Fargo when I noticed and they told me the transactions never went through and that it was pending but it would be back in my account. They filed a claim for me and said I would be called back but they never called me. They closed my account and opened up a new account for me but never sent me my new debit card. I called them again 3 more times and they said they closed my claim for reasons Im unaware of. I wasnt even aware they closed my claim because they emailed me XX/XX/2023 telling me they were still processing the claim, but when I called they said they closed it on XX/XX/2023. They said they sent me a letter but never did, I requested documentation and still havent received it. Im a college student with credit card payments to pay as well as rent. I would never authorize {$2000.00} being pulled out of my account. You could clearly tell on my statement that the charges werent from me and the workers noticed that as well. I wasnt even aware that much money could be pulled out of my account in one day because I had alerts on my account that would notify me if {$500.00} was even pulled. Never once did I receive an alert and I was told that theyd be able to issue me a credit for the money that was pulled but I never received one. I would like my {$2000.00} back and I would like to switch over to another bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: When reconciling my account for XXXX I found a charge for a check I have no record of. After 2 weeks ( how long they required ) I have not heard back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: on XX/XX/2023 i went to the gas station to fill up my car the amount on the pump was XXXX my credit card was charge XXXX credit card company said they can not help me with out a receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10567
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was stolen on XX/XX/2023 and {$1400.00} was spent from my checking account with Wells Fargo. I reported this amount on XX/XX/2023 and was given a temporary credit of {$1400.00} to my checking account while they continued to investigate the claim. After calling Wells Fargo, I was told that this would be resolved within 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This month I got 5 overdrafts fee for a total of XXXX, when the amounts covered was XXXX . We are talking about 35 % profit for you. I fully understand and appreciate that you cover some of the automatic transaction, but when the covered transaction is bigger than XXXX the bank return it even when is an automatic monthly transaction, but for smaller amounts for streaming services and memberships the banks never returns. For example my gym is XXXX XXXX per month but wells dark charged XXXX, XXXX is XXXX XXXX per month but the overdraft is XXXX . There is a systematic patter here of picking and arranging small amount transactions that represents a big profit for the bank in overdraft fees or am I wrong?. Im not sure how to interprtate the XXXX or XXXX XXXX check ..I dont remember, that you sent me months ago because I qualified for overdraft adjustment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a General Power of Attorney to make decisions on behalf of my husband, who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or sign documents ( documented appropriately by his physician ). On Thursday, XX/XX/XXXX, while preparing for the inevitable, I went into my local Wells Fargo bank where my husband and I hold a joint checking account, and asked to remove his name from our account. This was done at the advice of my attorney, in preparation for submitting a Medicaid application, part of which requires my husband to not have any accounts aside from his new account under a Miller Trust. Wells Fargo refused to recognize the Power of Attorney and refused to remove his name from our account, citing that the Power of Attorney does not specifically state that it covers changing ownership of accounts. They would allow me to close the account, but not change ownership of the existing account. I consulted the attorney who prepared our Power of Attorney documents, and he contacted the Wells Fargo legal department, which continued to refuse to honor the Power of Attorney document. Our Powers of Attorney are verbatim from the Iowa Uniform Power of Attorney Act, Iowa Code Chapter 633B, section 301 ( Forms ). The Iowa Code Chapter 633B section 208 ( Banks and other financial institutions ) grants the POA holder the authority to " [ c ] ontinue, modify, and terminate an account or other banking arrangement made by or on behalf of the principal. '' I was essentially forced to open a new account in my name alone, and spend hours updating our bills and credit cards with the new account information instead of making the most of the time I have left with my husband. While I was out running around town fighting with the bank and talking with the lawyer, my husband had his best most alert and interactive day in the XXXXXXXX XXXX in a long time, and I was not able to be there to share it with him. He has since taken a significant turn for the worse and will not likely recover to even his previous XXXX XXXX I filed a complaint with the bank, and their complaint department responded and acknowledged the Power of Attorney authorities granted under Iowa law, but the Wells Fargo legal department continues to reject my authority to remove his ownership of financial accounts. Wells Fargo refuses to honor the full authority of Power of Attorney documents valid under Iowa law and their actions are unnecessarily complicating our Medicaid application process and jeopardizing his approval, upon which we rely for his continued care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52402
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A