Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This is in relation to a confirmed ( by Wells Fargo ) computer bug that is on Wells Fargo 's network that is in relation to their " early payday feature ''. On XX/XX/XXXX, I received an email from Wells Fargo confirming my " early pay day '' was in my checking account. This email also advised that these funds are available and I could start paying bills. I checked my account directly on XX/XX/XXXX and saw the " funds available '' in my checking and paid a few credit cards. On XX/XX/XXXX, I received another email from Wells Fargo advising that " over draft protection '' had been applied from my credit card to my checking. I looked in my accounts and saw that I no longer had my " early pay day '' funds available. Later that same day, my paycheck posted normally to my account. From XXXX XXXX, I have called Wells Fargo 7 times and multiple times, multiple supervisors on their end have confirmed that this overdraft transfer should NOT have happened and it was caused by a " glitch '' related to their early pay day feature. On Monday the XXXX, Tuesday the XXXX, and Thursday the XXXX, I spoke with 3 different representatives who all advised that they see the pending overdraft reversal and that I should also see it corrected on my side within that same day ( told this on three separate days ). I have not seen this corrected when I log into my accounts. I called today ( XX/XX/XXXX ) and they can not confirm a date of final resolution. Additionally, problems with the " early pay day '' feature has been an ongoing known issue for Wells Fargo since before XX/XX/XXXX and wells Fargo has taken NO action to proactively warn or communicate with clients about it, and wells Fargo has taken no action to roll back this buggy feature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Wells Fargo claims I have missed a payment. I have not. I did underpay, because I was not aware that the payment amount had increased, but have actually been overpaying for a significant period of time. I can not figure out why Wells Fargo believes I owe them a full months payment, and they will not explain it to me. I have asked them twice over the phone and twice in writing to investigate and explain this to me in writing, but they have not responded. Instead, they continue to call me frequently ( and I do not answer ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i recently received a wells fargo ( wf ) credit card ( XXXX XXXX XXXX XXXX ). i tried to enroll for online access but was denied because i don't own a cell phone. apparently, wf sends verification codes only via text message. i spoke with several customer service reps and was told that i should be able to go to any wf branch with a photo id and a banker could help me enroll. i went to the XXXX XXXX, ca branch on XX/XX/XXXX and was told that i had to make an appt. i went back the next day and was told by a banker that there was nothing she could do to get me enrolled. the banker filed a complaint on my behalf ( XXXX ) wf responded by email and cited a mobile banking policy " which indicates you must provide us ( and maintain ) a valid mobile phone number which you are the owner of or have the delegated authority to act on behalf of the mobile subscriber. '' are these people utterly dense? the mobile banking policy doesn't apply to me because I DON'T OWN A MOBILE PHONE. it's hard to provide a mobile number if you don't own a mobile phone. if i did i wouldn't be filing a complaint and we wouldn't be having this narrative. i bank with my laptop and desktop which are not considered mobile devices. i will be XXXX next year. my generation did not grow up with all these modern electronic devices that proliferate today 's landscape. many of us, like myself, are not tech savvy and are intimidated by these new-fangled things so we don't use them. hence we can't get online access given.wf 's narrow and stinted policy. this is, in effect, de facto XXXX XXXX and needs to be amended immediately! nowadays we have all types of electronic options. i don't have to use XXXX XXXX as my web browser. i don't have to use XXXX as my isp. i don't have to setup an email account with XXXX. there are options everywhere except with wf. i deal with at least 8 other financial institutions and all of them give me the option of code delivery via landline or email. XXXX provides options ; so does XXXX XXXX XXXX incidentally, is there any credible empirical evidence that cell phones are more secure than other methods of delivery? wf needs to wake up and realize that not everyone owns a mobile phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: So i was purchased a USED XXXX XXXX XXXX XXXX Back on XXXX XXXX. The sales know i am in a rush and need finacing.They put some unnotice extra charge on it. The car mark as XXXX USD but they make the whole loan end up like XXXX and financed amount become XXXX even with my down payment for XXXX the car bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX and it has pre delivery fee I AM NOT EVEN NEED THE CAR TO DELIVERY I GO TO THEIR STORE TO BUY IT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I dont remember the dates, but roughly XXXX. I had a checking and savings account and was charged fees. Also, a checking account that was opened without my knowing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Consumer has repeatedly asked Wells Fargo to redeem accuracy of information being reported. Wells Fargo claims consumer was late in reporting for the month of XXXX as reported on consumer report. Upon further investigation consumer has pulled a current consumer report and found that Wells Fargo is reporting late 30 days for the month of XXXX and has no data for the month of may. Further Wells Fargo has stated in a letter dated XX/XX/2023 that they can confirm that the reporting for XX/XX/2023 was for the month of XX/XX/2023. IF consumer was in fact late for the month of XX/XX/2023 on top of the fact that there is no data reporting for the month of XX/XX/2023 on consumers, consumer report that proves Wells Fargo in fact is inaccurately reporting information. Wells Fargo also stated in said letter that alleged loan was transferred XX/XX/XXXX proving they have no ability to report for said month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: Our Corporate Wells Fargo Account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Wells Fargo is unrightfully holding in reserve for over 8 months now our payout of {$2300.00}. I contacted them today and they said that they can hold our funds that are due for one year which would be XX/XX/XXXX of XXXX. They unrightfully terminated our vendor account without notification on XX/XX/XXXX and are holding funds from Account number XXXX Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and wells fargo continue repost the account withnot sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand accounts be removed IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been working with Wells Fargo Estate Care Services to close the accounts of my deceased sister. I have spent multiple hours on multiple phone calls with multiple representatives, as well as spent hours in a Wells Fargo branch working with a banker. There has been repeated changes in the requirements that Wells Fargo has for successful closure of the account. Each time that I have satisfied one request, Wells Fargo has changed their requirements, or told me that the previous representative did not accurately describe the requirements. As directed by Wells Fargo, an affidavit of small estate transfer ( for Arizona ) was signed and notarized. An additional document called an Account Close or Partial Withdrawal Request - Deceased Customer was filled out with the successor identified. The successor is a Wells Fargo account holder. Section 8 of that document ( provided by Wells Fargo and which was created by Wells Fargo in XXXX ) says " Notary Certification ( Must be completed if Successor is a non-Wells Fargo customer or if Successor is returning the form via mail ). '' Since the Successor is a Wells Fargo account holder and provided the account number to transfer funds into, the document was not notarized ( per Wells Fargo instructions ). However, Wells Fargo rejected the document and now requires it to be notarized, which could have been done weeks ago and requires more time, expense, and effort. Furthermore, one of the accounts is a business account for a business that was administratively dissolved by the State of Arizona in XXXX. In a XXXX minute conversation with the XXXX XXXX representative who deals with business accounts, I was told exactly what to write to provide the branch XXXX with a record that would allow the account to be closed. I did so. The next XXXX XXXX representative then rejected this document and requested evidence from the XXXX of Arizona about the administrative dissolution. That evidence ( which is publicly accessible from the official XXXX XXXX XXXX website was provided ). However, the Estate Services representative again rejected the request to close the account and asked for additional documentation in the form of current minutes for the corporation, which hasn't existed since XXXX. The constant changes in requirements, the repeated requests for additional and conflicting information, the excess amount of time spent, and refusing to abide by the terms of their own document instructions leads me to feel that Wells Fargo is acting in bad faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85712
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened Wells Fargo CHOICE PRIVILEGES MASTERCARD ( card number : XXXX ), and the welcome bouns was XXXX Choice Rewards points after spending {$1000.00} in 90 days after account opening. I reached this line but even after waiting for XXXX statements, I still do not see the welcome bouns. During this time period I made multiple calls to both Wells Fargo and XXXX XXXX, but they only asked me to wait and did nothing to help. So I launch this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A