Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was in the XXXX XXXX on vacation when charges were made to my card without my consent. The charges were XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a total of USD XXXX. I was also charged foreign transaction fees on this in the amount of USD XXXX. Wells Fargo continues to charge me interest fees on these purchases as well. So far I believe I have paid close to USD XXXX in interest. I have filed a police report with the city of XXXX, Ga ( Case Number # XXXX ), opened three different fraud disputes with Wells Fargo, spoke with investigators at Wells Fargo, gone into a branch to speak with the manager, and spent countless hours on the phone with them only to have all my claims denied. They claim that since I told them I had the card in my possession and a chip transaction was used I am liable. When I went into the branch, I showed the branch manager the card and she said it looked like my card had been tampered with. It looks as if the chip was taken off and replaced with a different one. When in the XXXX XXXX, we stayed at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We went straight there from the airport and never left once we were there. My wife as well as the friends we went with will testify to this. There was no way for me to make these charges while there. I did not go to these establishments nor know what they are. I am at my wits end with this and do not know what else to do. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX I have a Business Bank Account with XXXX XXXX in XXXX Pa I Wrote a check from that account and deposited it To a Wells Fargo Fargo Bank on XX/XX/2023 the check was in the amount of XXXX I was told that it would be cleared in three to five days I went to the bank yesterday and they told me I would not have those funds until XX/XX/2023 That is over ten days there is no reason for them to keep my money! Wells Fargo received my money from the XXXX XXXX onXX/XX/2023 I have been a customer of Wells Fargo for over 20yrs I have deposited large amounts in the past and had no problem. I also wrote large checks to other vendors that will bounce due to the incompetence of Wells Fargo institutuion.I hope someone can provide me with some help thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: On XX/XX/2023 I went to my bank to renew my certificate of deposit which matured on XX/XX/2023. I was given a seven day grace period for this activity. The bank gave me three options to choose one. The options were as follows : 1. Add funds to the account - higher balance may earn higher interest rates. 2. Change the term - longer terms may earn higher interest rates. 3. Close the account. I decided to change the term from three months to five months. However the bank staff decided to close the CD account and open another CD account without my consent. He gave me documents to sign without any explanation of what the documents were for. At no time did I discuss closing the CD account and opening another CD account which does not make sense unless the bank wants to deny me the interest accrued from XX/XX/2023 to XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX continues to try and collect on a debt not owed. XXXX XXXX is a servicer of the alleged mortgage loan. A servicer has no right to collect any monetary obligations. The servicer holds the loan. Holding and collecting are two different jobs. servicer ( 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ). The depositor bank which is XXXX XXXX XXXX XXXX took my promissory note and securitized it so he Treasury paid it out. There was no exchange of any money between me and XXXX XXXX that would hold me liable for this alleged debt. ( 2 ) " Depositary bank '' means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter ; I have requested XXXX XXXX provide the official book entry for that proves they indeed loaned me money for this loan. According to the Federal Reserve Act section 16 subsection 2 states no collateral shall be required for the FRN notes that banks hold. XXXX XXXX stated under SEC they are not a bank so they hold no such FRN therefore my home can not be used as collateral for this alleged loan. 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. [ 12 USC 412. As amended by the acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] If XXXX XXXX is the owner of the security there should be a book entry proving ownership. I am requesting a copy of this book entry not a copy of the simple consumer agreement/contract. If there is no such documentation XXXX XXXX should cease all collection attempts are further legal action will be take not limited to reporting the company to the sec for fraudulent mishandling of unregistered securities. What Are Book-Entry Securities? Book-entry securities are investments such as stocks and bonds whose ownership is recorded electronically. Book-entry securities eliminate the need to issue paper certificates of ownership. Ownership of securities is never physically transferred when they are bought or sold ; accounting entries are merely changed in the books of the commercial financial institutions where investors maintain accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: It's hard to have the dates because dillards ( via Wells Fargo ) closed my account and opened a new one in my name, and I have lost access to all previous records. Around XX/XX/23 someone used my card/SSN t make a purchase at a physical Dillards store in XXXX, CA. I do not live in CA< nor have I ever been to a Dillard 's store in CA. I filed a dispute a few days later. I received temporary credit, but then was reversed when my claim was denied. I called to complain, they re-opened the claim but said I had to pay a {$29.00} late fee and {$13.00} ( and running ) in interest. They sent me forms to dispute their denial, but are still denying my claim. I do not know what to do at this point, and they are about to ruin my credit. I had to file BK 7 years ago, and have had a perfect credit history since, and it is all about to get ruined. Every single time I call, they do nothing at all to help me, and will not even let me speak to anyone in charge, They said it was denied ( at first, at least ), because the rep who took my original claim, for some reason, included another charge from dillards.com ( which was a legitimate charge ). They will not stop talking about the charge I always ( and still ) acknowledge as legitimate, so I am getting nowhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened a checking account XX/XX/2023 at Wells Fargo online offering {$300.00} bonus if you made a direct deposit of {$1000.00} or more and a 3 month. Was supposed to receive my bonus money XX/XX/2023 but did not. Called customer service line was told they didn't see my promotional code that it needed to be added to my account I have my promotional code I showed it to the teller along with my ID and cash the next morning after opening my account online that night at XXXXXX/XX/XXXX. she transferred me to my local Wells Fargo branch I spoke with the branch manager the lady told me to have him at the promo code to my account and they would process my bonus he was very nice cordial and he added the promo code to my account they told me to wait a few days when nothing happens so I called back to customer service ask them about my bonus they said that my account was not opened online I said yes it was it was done at XXXX at night and I still have all my emails till this day of everything coming back to me from Wells Fargo thanking me for opening up account so they stayed on that for a few days they sent me back to the branch the brXX/XX/XXXXhere confirmed it was opened online at XXXX at night on XXXX the XXXXXX/XX/XXXX he made a couple of phone calls and he told me not to worry that I would get my money that I met all the requirements said to wait a few days so I did still no money call customer service again the lady said I didn't open my account online and they sent me a letter in the mail saying I did not qualify cuz I did not open my account online went back to the branch he confirmed again that I did and he had me to file a complaint with their department their customer service number the lady I had to call her that was handling my case on their end I asked her did she need me to send her a picture of the letter saying I didn't open my account online and I gave her the branch manager 's name and direct phone number he confirmed with the emails on my phone that I opened it online at XXXX at night she said no she didn't need anything if you need anything she would contact me and that was the XXXX and only time I got to speak with her she would not return my calls after leaving several messages over a week. Received an email from her XX/XX/2023 saying I did not meet the requirement of getting the bonus money because the promo bonus code was supposed to be added to the account the night that I opened my account and they confirmed I did open it online and send her email but the promo code was not transferred into a certain section but the first customer service I talked to about this said that was not a big issue because I have the promo code and it was a good code and then I would be receiving my money they just needed to see the code on the account which the branch manager helped me with that so I have to receiving email I call the case handler back and she would not answer had to leave a message second and third attempt finally that department had me to file a second complaint about the same issue after customer service person there on the first phone call said I met requirements that I would be getting my money and the branch manager here in my hometown confirmed we will get you your money you met all the requirements and I showed them my phone the morning I made my deposit into the new account I turn my phone around with the promo code on it cuz I was told by the branch that they can add the promo code to the account when you if you show up to deposit money in person at one of their branches so I turned the account to the lady gave her cash and she asked for my ID and we spoke briefly about the bonus money and said I would receiving it in 90 days as long as I met the requirements and her manager customer service lady but I've said I've met requirements so first I didn't get it because I said it was not opened online and I still have that letter well when I proved that I did open it online now they're saying that the XXXXmo code was not added to the account at the night of the account was opened it also says you can show it to the teller that they can add it but I was told in the branch they're not allowed to ask for the promo code or anything like that there's the stay quiet it's up to the customer to offer this up they're not to ask that way they don't have to pay out any bonus money or give out anything that they're promoting they just don't offer it out freely a customer has specifically tell them or ask them which I did I had it on my phone and spun it around to the teller and she did not put the code on there that morning I made my deposit and now that's what they're going with they keep changing reasons why I'm not eligible for the {$300.00} promotional code when I prove I'm wrong on one thing that I have my evidence that I did whatever they're saying they go to another reason and that branch manager told me to my face to push it because this is the way they hire up or operating this financial company to keep pushing it and stay on them heavy and hopefully they will fold and give me my money that I deserve and I have rightfully earned he said but he can not put his self in Jeopardy to lose his job but he said out of 40 to 50 people that opens up the account for this promo only two or three people will wind up getting the {$300.00} bonus money that came directly from the bank manager 's mouth so I found out that I could file a complaint here and maybe you guys can help me out then it would be greatly greatly appreciated it's about the principle in the moral of the thing now because it seems to be a scam from what I've learned directly from their employee they're not one of their managers and from one of their customer service people they're trained to drag us out keep XX/XX/XXXXyou down so they don't have to pay the money I attached the photo of my promo codes and the document section here for the first week and a half customer service and the branch manager told me it was a good code but then after 2 weeks I was told the code was no good they can't find it in their system anywhere it's like they took it out so they saying it's not on their sheet and where did I get the code and it came directly from them the night I opened my account and it was a good code it made it by them but now it's awful fishy that is not a good code anymore so this is just totally totally wrong SO PLEASE HELP ME WITH THIS ISSUE TO OTHER PEOPLE DO NOT HAVE TO GO THROUGH THIS CUZ THIS IS NOT RIGHT THANK YOU VERY VERY MUCH IN ADVANCE FOR ANYTHING YOU CAN HELP ME WITH ON THIS ISSUE OR HELP ANYBODY GOING THROUGH THIS SAME THING
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: In XXXX of XX/XX/XXXX, I was furloughed from my job during XXXX. I was current with my home loan at that time, but due to my circumstances I requested information from Wells Fargo on putting some payments at the end of my loan. Once I began working again, I contacted them to resume payments. They said I had been placed in forbearance, which I did not request, and that they would send me paperwork I had to fill out to resume payments. They sent out papers in my married name, and I had been divorced for XXXX years at that time. In addition, the mortgage had always been solely in my name. When the papers finally came through, they had added a large lump sum payment for my loan to immediately be brought current all at once, before they would let me resume payments. I made my regular monthly payments anyway, and all were put in a suspense account. After some months, all payments were applied to the back months when my payments were suspended during XXXX rather than applying the missed payments to the end of the loan as I had understood. Wells Fargo then made it impossible through their app or their local branches for me to make any payments. They did this so that they could put my loan in arrears and began foreclosure proceedings, as my home had ( and has today ) substantial equity and they wanted the home instead of my payments. After a full year of effort, the expense for three lawyers, and all the funds in my retirement account, I paid the " arrears '' of {$34000.00} in full to resolve. As soon as I was able, I refinanced my mortgage with another bank. I then discovered that Wells Fargo had put an additional {$100000.00} in " silent second '' mortgages on my loan and my payoff was {$100000.00} more than what was documented on their paperwork for my loan. Though I was appalled, I paid the extra amount in my new mortgage just so I wouldn't have to associate with Wells Fargo anymore. The foreclosure record has harmed my credit and the legal action remains the top listing anyone sees when they XXXX my name. This has been the most financially devastating situation I have ever experienced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of 2023, I was approved for a Choice Privileges credit card with Wells Fargo. If I spent {$3000.00} or more within 3 months I would get XXXX bonus Choice Privileges points on top of the Choice Privileges base points I would earn. I made the required purchases by early XXXX, less than 3 months. After 5 months, I had not received the bonus XXXX points and inquired with Wells Fargo. They did an " investigation '' and on XX/XX/XXXX, called me and said I did not earn the XXXX bonus points because all of my purchases were pre paid gift cards which are excluded from earning base and bonus Choice Privileges points. I disputed this finding with the investigator, XXXX, pointing out I did not buy any pre paid gift cards. XXXX said ALL of my purchases were pre paid gift cards. I asked her if she knew what a pre paid gift card was and she refused to answer it. I told her it was a reloadable visa or master card debit card. I bought none of those. Of the over {$3000.00} in purchases, many of my purchases were merchant gift cards, like XXXX and XXXX XXXX, which are NOT pre paid gift cards. They were gift cards only spent at those merchants. Further I pointed out that all of those purchases earned Choice Privileges base points on this credit card and that showed the purchases were coded correctly. Further, not all of my purchases were merchant gift cards, as can be evidenced by my credit card statements. I asked XXXX, the Wells Fargo investigator, if I could speak with a supervisor or manager. She emphatically told me they would say the same thing. However, when she transferred me to a supervisor, this person reviewed my account and apologized to me and said I was correct and the investigator was wrong and none of my purchases were pre paid gift cards and I should have earned the XXXX bonus points. The supervisor commenced a second investigation and said it would take 10 to 12 business days or possibly longer before I would hear from them. To date it's been 8 or 9 business days and I have not heard from them yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A