Date Received: 2023-10-18
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In XXXX, Wells Fargo Home Mortgage reported to one of the major consumer reporting agency i.e. XXXX THAT my alleged mortgage balance = XXXX ; ( I have a copy as evidence ) ; In XXXX, Wells Fargo Home Mortgage Wrongfully foreclosed my primary house... XXXX XXXX XXXX XXXX. XXXX, Oregon XXXX Market Value = {$420000.00} ; I am open to negotiating a discounted offer on my Claim, to make me " Go Away ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
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: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the response I received from Wells Fargo Home Mortgage in response to my complaint ( Complaint ID : XXXX ). I appreciate your assistance in facilitating this communication and investigation. In my original complaint, I expressed my dissatisfaction with Wells Fargo 's decision to add an extra two months ' reserve to my escrow, which was initiated in XX/XX/2013, and their failure to provide a clear explanation as to why this change was made a decade after the loan origination. My concern primarily revolves around the arbitrary nature of this action and the financial implications associated with it. In their response, Wells Fargo failed to address the core issue at hand : the rationale behind this sudden change in escrow reserve requirements after ten years. While they may have provided some general information about escrow account management, this did not directly address my specific question. I believe it is essential for Wells Fargo to explain why this adjustment was not implemented at the time of the loan origination in XX/XX/2013 and why it was done now, especially considering the financial impact on myself and other borrowers. I remain convinced that this change may have been made with the intention of earning interest on the extra two-month reserve held in escrow, without providing any corresponding interest to the borrowers. This, in my opinion, raises ethical and UDAP regulatory concerns that should be addressed. Therefore, I kindly request the Consumer Financial Protection Bureau 's continued assistance in urging Wells Fargo Home Mortgage to provide a clear and detailed explanation for the timing and rationale behind the addition of the extra two months ' reserve to my escrow account. Furthermore, I believe it is essential to determine whether this change complies with applicable regulations and whether it indeed serves the best interests of the borrower. I am requesting a written explanation about why Wells Fargo decided to add the two-month reserve to my escrow now, and not at the time the loan was originated 10 years ago. This clarification is crucial for me to fully understand the motivations behind this change and ensure that it complies with all relevant regulations. Transparency and accountability are paramount in maintaining trust between borrowers and financial institutions, and I believe that this information is necessary for a fair resolution of my concerns. I would like to thank you for your support in facilitating this communication and ensuring that my concerns are heard and addressed. I look forward to a more thorough response from Wells Fargo Home Mortgage regarding the issues I have raised. If you require any further information or documentation to assist in this matter, please do not hesitate to contact me at XXXX or XXXX. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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 using a debit or ATM card
Consumer Complaint: My checking account at Wells Fargo was used to make about {$1600.00} in fraudulent purchases. I submitted a claim to be reimbursed for these purchases and it was denied. I was never notified of this and I only found out by contacting them almost two weeks after the initial claim was filed. No reason was given for their decision and according to the rep I spoke to I have no other recourse at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am refilling my complaints because the Wells Fargo contractor who answered my previous complaint XXXX XXXX did not address my issue properly and closed my complaint after sending me a copy and paste response that does not match the level and the seriousety of the issue. This contractor dealt with my issue by a joke. Here my complaint again and I am requesting that this complaint to be forwarded to a REAL Wells Fargo manager and not those irresponsible ignorants contractors that are labeled ECMOs. THIS COMPLAINT IS ABOUT THE NON EXISTENCE OF WELLS FARGO CUSTOMER SERVICE AND ABOUT CONTRACTOR COMPANY OF CUSTOMER SERVICE WHICH IS CALLED ECMO. ( Enterprise Complaints Management Office ). For the past 3 years and by 106 complaints till now trying to get WELLS FARGO BANK to respect my privacy rights and my civil rights by following my account mailing preference by directing all my mail to my XXXX XXXX as indicated on my account but I did not succeed to penetrate the thick brains ( if it exist ) of the WELLS FARGO employees. I am filing my complaint here for the 10th time and I am requesting those no-brainer Called ECMOs to forward my complaint to a real Wells Fargo manager . And not to who are called ECMOs. The Executive Complaint Management Office ( ECMO ) is NOT WELLS FARGO BANK. This company is a contractor who is supposed to take care of the Wells Fargo customers Complaints and provide resolutions, but instead, this company ECMO send the complaints to their sub-contractors, employees who work from the comfort of their homes without any supervision and NOT under WELLS FARGOs control. My last complaint here was closed as solved by an ECMO called XXXX XXXX it was about a ECMO WHO MAILED 3 LETTERS TO MY RESIDENTIAL ADDRESS WHEN THE ISSUE OF MY COMPLAINT IS ABOUT WELLS FARGO REFUSING TO USE MY XXXX XXXX MAILING ADDRESS. This ECMO who is working from the comfort of their homes without any supervision answered my complaints by not providing any solution to my complaints but this ECMO COPIED AND PASTED the answers of the previous XXXX XXXX XXXX WHO ANSWERED MY PREVIOUS COMPLAINT WHO provided a lot of complements to herself as ECMO and the rest of the ECMOs the good job she is performing as ECMO and by telling me that she and all the ECMOs are highest WELLS FARGO position, most intelligent most trusted at Wells Fargo , but the action of the ECMOs indicates the opposite. Here some of what this ECMO said in writing in her response to my complacent number XXXX XXXX 1- The concern of the distinction between mailing and physical address has been sent for review to upper management. The outcome of this review is proprietary and confidential ( IT MEANS NO SOLUTION, The solution is invisible, it is secret ). 2- Should this occur again in the future, please either give us a call. ( Well I have been contacting you about this same issue for 3 years and in more than 104 complaints. Do you think I need you to tell me to complain more if this continues? Is the solution you are providing for my issue? ) 3- This is not a matter of the branch manager knowing how to complete a task. Keep in mind as a financial institution, we have multiple checks and balances around accounts, account opening, and products offered. This was the answer of ECMO working from the comfort of their home answering my complaint about a manager who was setting me up to get me to sign in for a new account against my will when all I REQUESTED FROM HIM is to renew an ATM card and my complaint has nothing to do with checks or accounts opening. But I am glad this ECMO informed the public that the WELLS FARGO MANAGERS DO NOT KNOW HOW TO REORDER AN aATM CARD. 4- This ECMO working from the comfort of their home wrote in her answer to my complaint : we are highly regulated by agencies and laws meant to keep customers safe. This is not meant as a sales tactic or a way to try and pressure you into a product you do not want or need. ( WELLS IF YOU FOLLOW THE LAWS THEN WHY DO YOU STILL DIRECTING YOUR MAIL TO MY RESIDENTIAL ADDRESS AND YOU ARE REFUSING TO USE MY MAILING ADDRESS? ) Your statement is misleading. 5- This ECMO Seems to be out of her mind when in her answer she discussed the Lack of Appointments Available Which it was not in my complaint. It seems she was just copying and pasting answers from her screen. 6- This ECMO stated : Wells Fargos Company rating with the Better Business Bureau and overall public image is something we are aware of. ( It seems that WELLS FARGO HAS NOTHING MORE TO OFFER AS THEY ARE AWARE THAT WELLS FARGOS RATTING AT THE BETTER BUSINESS IS ( F ) and WELLS FARGO IS STILL HIRING THIS ECMO COMPANY TO DEAL WITH THE PUBLIC!! I advise Wells Fargo to reconsider their decision about those so-called ECMOs. 7-We reviewed your concern around not offering an email address or a digital portal for customers to submit complaints. We are looking into this. ) WELLS FARGO IS THE ONLY BUSINESS WHO DOES NOT HAVE AN EMAIL FOR THEIR CUSTOMER SERVICE BECAUSE WELLS FARGO HAS NO CUSTOMER SERVICE BUT HAS SO CALLED ECMOs WHO ARE HIDING IN THEIR HOMES WITHOUT ANY SUPERVISION AND ACT LIKE CUSTOMER SERVICE BUT THEY ARE NOT WELLS FARGOS CUSTOMER SERVICE. THEY ARE THE CUSTOMERS HEADACHES. TO MY KNOWLEDGE FOR 3 YEARS AND WELLS FARGO IS BEEN LOOKING INTO IT! 8- This working from the comfort of their home ECMO stated in the reply : we can not provide details of the investigation or its outcome to our customers as that breachs privacy laws. ( WELLS WHAT ABOUT MY PRIVACY RIGHTS ARE YOU BREACHING THE PRIVACY LAW EVERY TIME YOU ARE SENDING YOUR MAIL TO MY RESIDENT INSTEAD OF DIRECTING YOUR MAIL TO MY MAILING ADDRESS AS INDICATED IN MY ACCOUNT PREFERENCE AND AS I HAVE BEEN COMPLAINING ABOUT FOR 3 YEARS IN MORE THAN 104 COMPLAINT? ) Your statement is misleading again. 8-This working from the comfort of their home ECMO stated : Wells Fargo employees are to adhere to strict privacy policies, including handling customers ' private information regardless of working from home or in the office. ( HOW DO YOU KNOW THAT? IS THERE ANY SUPERVISOR OR MANAGER WATCHING WHAT YOU AS ECMOs ARE DOING AT HOME? IS THERE A SECURITY WHO IS GUARDING YOUR COMPUTERS FROM BEEN LOST OR STOLEN OR BEEN USED BY YOUR FAMILY AND FRIEND? IS THERE ANY GUARANTEE THAT WHO ARE ANSWERING THE COMPLAINT ARE REAL EMPLOYEES OF WELLS FARGO AND NOT THE RELATIVES AND FRIENDS OF SO CALLED ECMO WHO ARE NOT FORKING UNDER THE WELLS FARGO MANAGEMENT AND NOT BEEN SUPERVISED BY ANY ONE THIS IS WHY I was told by you the ECMO that you do not have supervisors or managers every time I request to speak to a supervisor. I dare you to provide me with a name and phone number and an email of a REAL WELLS FARGO supervisor or manager.OR YOUR STATEMENT IS MISLEADING ALSO. IN YOUR ANSWER TO MY COMPLAINT YOU STATED YOUR OPINION ONLY AND NOT THE CUSTOMERS OPINION AND YOU PLACED YOUR OPINION OVER ALL THE WELLS FARGO ; S CUSTOMERS OPINION ABOUT THE SO CALLED ECMOs and the Wells Fargo customers service that does NOT EXIST. 9- This ECMO answered my complaint about no manager or supervisor existing at Wells Fargo by stating : we recognize your concern about being informed there was no management that you could speak to with regards to your concerns. Understand that Wells Fargo Employees who respond to agency complaints, are the highest form of escalation at Wells Fargo. These employees work in the Enterprise Complaints Management Office. ( the answer of this ECMO CONFIRMED WHAT I WAS STATING FOR 3 YEARS THAT THOSE ECMOs ARE WORKING FROM THE COMFORT OF THEIR HOMES WITHOUT ANY SUPERVISION OR MANAGEMENT. ) 10- This ECMO stated in their answer : A manager did attempt to reach out to you on XXXX XXXX XXXX and left a voicemail at the phone number we have on file. ( ISNT STUPID FROM A MANAGER TO CONTACT ME BY PHONE WHEN I REQUESTED ALL RESPONSES AND CONTACT TO BE IN WRITING? ). DID YOU ARE YOUR SO CALLED MANAGER RAD MY COMPLAINTS TO THE END? IF YOU DID THEM YOU SHOULD HAVE READ THAT I STATED AT THE END OF EVERY COMPLAINT THAT NO PHONE CALLS ARE ACCEPTED, ALL CONTACTS WITH MRE MUST BE IN WRITING BECAUSE FROM MY EXPERIENCE WELLS FARGO EMPLOYEES DO NOT TELL THE TRUTH. DID YOU READ THAT OR YOU DID NOT? I AM FILING MY COMPLAINTS AGAIN BECAUSE OF THE MISLEADING STATEMENTS IN THE RESPONSE AND BECAUSE YOU DID NOT PROVIDE A SOLUTION FOR MY ISSUE AND YOU DID NOT ANSWER MY QUESTIONS REGARDING ABOUT THE BRANCH MANAGERS BEHAVIOR. NOTICE : NO PHONE CALLS ARE ACCEPTED ALL RESPONSES MUST BE IN WRITING EMAILS OR MAIL BECAUSE IN MY EXPERIENCE, THE WELLS FARGO EMPLOYEES DO NOT TELL THE TRUTH.
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 an account
Subissue: Fee problem
Consumer Complaint: AGAIN today, I receive a letter from Wells Fargo to my residential address. The XXXX XXXX at Wells Fargo did not understand in XXXX complaint that I do not want them to send me letters to my resident. XXXX COMPLAINTS DID NOT XXXX XXXX XXXX XXXX ( IF IT EXIST ) OF THE WELLS FARGO EMPLOYEES This complaint is # XXXX. About the same issue. In the last 3 years I complained here XXXX times about the same issue without a resolution I AM REFILLING MY COMPLAINT HERE FOR THE XXXX TIME BECAUSE WELLS FARGO ARE STILL REFUSING TO USE MY MAILLING ADDRESS EVEN AFTER 3 YEARS AND XXXX COMPLAINT ABOUT THE SAME ISSUE. AND TODAY I RECEIVED A LETTER FROM WELLS FARGO TO MY RESIDENT. The contractor of Wells Fargo who is labeled XXXX who is working from the comfort of their home without any supervision and without any management by Wells Fargo. answered my previous complaint XXXX XXXX did not provide any solution, their answer was just a copy and paste from the previous answer of the previous XXXX It seems Wells Fargo Are paying to XXXX to answer the customers complaints by copies and pates and they close the cases without any resolution, all are the same, Wells Fargo HAS NO ONE TO FIND SOLUTIONS FOR THE CUSTOMER 'S ISSUES. This complaint is # XXXX about the same issue. you at Wells Fargo are still denying me my privacy rights and my civil rights, Wells Fargo is still refusing to Use my mailing XXXX XXXX mailing address as indicating on my Accounts preference and you are still sending your mail to my residential address which I have been complaining about for 3 years now and in XXXX complaints for that I have been complaining for 3 years. This is my complaint # XXXX regarding the same issue. I am refiling my complaint here and everywhere Because the Wells Fargo XXXX XXXX XXXX XXXX XXXX is still refusing to address my complaint properly and refusing to provide a resolution for my mailing address and refusing to direct Wells Fargo 's mails to my mailing address. The answer, if so called XXXX is just a compliment to the XXXX that I rejected because it was not a solution. Here my complaint again reads it carefully before you answer it and I want Wells Fargo to provide a resolution not a copy and paste answer. This is my complaint # XXXX for the same issue. Wells Fargo is refusing to use my mailing address as indicated on my account preference. Wells Fargo is ignoring my rights of privacy, Wells Fargo is ignoring my civil rights, Wells Fargo is refusing to follow the laws and regulations. I have been a Wells Fargo customer for more than 35 years, in all the past 37 years my account mailing preference is a XXXX XXXX XXXX for the safety of my mail and for my privacy. Everything was fine till the last 3 years When Wells Fargo started the illegal activities and subcontracted the customer service to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since that, Wells Fargo decided not to use my XXXX XXXX XXXX anymore and they start directing my mail to my residential address. In the last 3 years, I complained to Wells Fargo more than XXXX times and requested not to mail anything to my residential address but all the complaint were answered by a copy and paste standard letters even the answers to my complaint were mailed to my residential address as the previous XXXX XXXX XXXX XXXX did even when my complaint and my request is to mail to my XXXX XXXX XXXX mailing address not to my resident AND NOW AGAIN I RECEIVED A LETTER FROM WELLS FARGO TO MY RESIDENT. The Wells Fargo working from the comfort of their home employees do not read my complaints ALL ARE SIMILAR TO XXXX XXXX they only copy and paste standard answers and mail it to my resident when in my complaints I provided the XXXX XXXX as my mailing address and I did not provide my residential address and my account mailing preference is my XXXX XXXX XXXX Wells Fargo is refusing to address my issue properly, Wells Fargo is refusing to investigate, Wells Fargo is refusing to follow the rules and regulations regarding my account mailing preference, WELLS FARGO IS REFUSING TO FIND A SOLUTION ALL I RECEIVE FROM THE CONTRACTORS CALLED XXXX ARE LIES AND LIES NO ONE PROVIDED A SOLUTION. Those XXXX sent misleading answers and they do not even read my complaint before they answer it, The people who answer the complaints for Wells Fargo are labeled XXXX, Those are inexperienced people who are NOT WELLS FARGO EMPLOYEES, they are working for the XXXX XXXX from the comfort of their homes without any supervision not under Wells Fargo 's Management. I tried to speak to a manager or supervisor, but I was told that Wells Fargo employees who answer the complaint are working from their homes and there have no way to connect me to a manager or supervisor because they are independent contractors, they do not work under the supervision of Wells Fargo bank they are working for the contractor ECMO. So, after 3 years of complaints to Wells Fargo and everywhere, where they have authority over Wells Fargo and after more than XXXX complaints, Wells Fargo still did not address my issue properly and did not solve it and Wells Fargo is still denying me the right of privacy when I do not want the Wells Fargo bank to send the mail to my resident. and Wells Fargo is still refusing to use my XXXX XXXX mailing address as it is indicated on my account preference. I have tons of letters from Wells Fargo as evidence that they are mailing to my residential address, especially the XXXX letters from the XXXX called XXXX XXXX who mailed it to my resident. The misleading Wells Fargo excuses for not using my XXXX XXXX XXXX are : The US Patriot Act, XXXX, The weather, The difference in time, The expansion of Wells Fargo overseas and so on. Bottom line, It seems that Wells Fargo DOES NOT have a customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt.and they are accepting an ( XXXX ) by XXXX XXXX XXXX The last contractprXXXX XXXX XXXX said the solution is a secret but THIS SECRET SOLUTION THAT DOES NOT EXIST OTHER THAN IN THE MINDS OF THE XXXX DID NOT EXIST because right after I received the attached letter from Wells Fargo to my resident. LIES DO NOT SOLVE THE PROBLEMS. TELL ME HOW YOUR LIES ARE GOING TO SOLVE MY ISSUE YOU CLOSE THE CASES AS SOVED WHEN ALL YOU PROVIDE ARE LIES AND THE ISSUE IS NOT SOLVED. I WANT THIS COMPLAINT TO BE FORWARDED TO A REAL WELLS FARGO MANAGER AND NOT TO THE XXXX XXXX XXXX
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 an account
Subissue: Problem making or receiving payments
Consumer Complaint: Because the previous XXXX XXXX XXXX who is working from the comfort of their home without any supervision and are labeled XXXX, REFUSEDE to address my complaint and REFUSED to answer the questions in my complaint and REFUSED TO REQUEST an investigation about this issue and ALL THIS XXXX DID IN XXXX ANSWER IS COPIED AND PASTED the answers of the previous ignorant XXXX This proves how IGNORANTS THHE XXXXs are. for that I am refiling complaint for the XXXX time. This complaint is # XXXX ABOUT THE SAME ISSUE, against the same branch XXXX and AGAIN Wells Fargo failed to respond PROPERLY, HONESTLY AND CLEARLY TO MY COMPLAINT AGAINST the BRANCH MANAGER WELLS FARGO 's XXXX lack of responsibility and lack of knowledge on how to deal with such issue is demonstrated by the response provided Wells Fargo here. The Wells fargo employees who are answering the complaint are working from the comfort of their homes without any control from a Wells Fargo XXXX and without any supervision and the response of Wells Fargo here is null and demonstrates the unprofessionalism of the Wells Fargo XXXX employees and their disrespect to the customers and to the CONSUMER FINANCE PROTECTION DEPARTMENT. For that I re-filed a new complaint here hoping that Wells Fargo will open their eyes and ear to my complaint and do the necessary investigation and answer the questions in this complaint properly. and not telling me the answers to your question is a secret we can not share it with you and so is the invisible investigation. AND MY RESPONDING THAT THE BRANCH XXXX CAN NOT ORDER AN ATM CARD AND CAN NOT INFORM THE CUSTOMERS THAT THEY CAN ORDER THE ATM CARD BY PHONE AND ONLINE!! Did the XXXX XXXX XXXX who answered the previous complaint # XXXX about this issue really thought The customers would believe her previous answer to this complaint!! here is my complaint # XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. was the first time I entered a Wells Fargo branch since XXXX At my visit to branch # XXXX in XXXX, CA, I was the only customer at the branch. I found out that my ATM card was expired, I requested from the teller employee at the window to order my replacement ATM card, the employee requested help from the BRANCH XXXX, who, after looking at my account, told me that he can not order the ATM card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER. He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because I have been with Wells Fargo for more than 35 years and I have renewed my ATM cards before at the teller window. Usually, they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I want from Wells Fargo answers to my questions, to verify if Wells Fargo is turning to a circus or is it still a financial institution XXXX WHY THE XXXX AT THE BRANCH TOLD ME THAT I NEED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY ATM CARD? It must be a hidden reason behind it that benefits the banker. XXXX DOES THIS XXXX THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY ATM CARD ON HIS COMPUTER? XXXX HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE XXXX THE CUSTOMER SERVICE RENEWED MY CARD IN XXXX SECOND PHONE CALL? XXXX WHY THE XXXX OF THE BRANCH DOES NOT HAVE EXPERIENCE AND DOES NOT KNOW HOW TO RENEW AN ATM CARD? XXXX WHY THIS BRANCH XXXX DID NOT TELL ME THAT I CAN ORDER THE REPLACEMENT ATM CARD ONLINE AND OVER THE PHONE? XXXX IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONES WHO ANSWER MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY ATM CARD ON HIS COMPUTER? XXXX WHY WELLS FARGO IS REFUSING TO INVESTIGATE THIS POSSIBLE MISCONDUCT? I am not getting answers to my questions even after re-submitting my complaint more than XXXX times in the last 4 months because Wells Fargo contracted the customer service duty to a company called XXXX XXXX XXXX XXXX ( XXXX ). This company XXXX employes are without any banking experience to resolve the customer 's issues, Those employees are labeled XXXXare Working from the comfort of their homes without any supervision and NOT under the Wells Fargo management they are independent contractors. their responses are just a copy and paste of generic replies that they send to everyone or a vague response as the response I received for complaint # XXXX The XXXX working from the comfort of their home Refused to address my complaint properly and they switch the case from a case against the XXXX to a case against the window teller employee or about opening a new account or about checking and saving or about lack of appointments which I am not complaining about. Those XXXX of the contractors XXXX, refused to forward my complaint to a XXXX Wells Fargo XXXX, and refused to answer and investigate my complaint. I was told in writing by the Wells Fargo 's contractors XXXXs that Wells Fargo has no email or website for online complaints and has no managers or supervisors and that was confirmed by the last response of the XXXX XXXXXXXX as they think they are the highest level in Wells Fargo or they are the XXXX ay Wells Fargo and no magers above them. So the Customers like me find no REAL Wells Fargo site to complain but here. Notice : because in my experience, Wells Fargo XXXX do not tell the truth. You can reviews the security cameras at the branch to verify that the branch was empty of customers except myself and XXXX tellers at the windows had nothing to do and the XXXX was telling jokes to the employees. XXXX XXXX XXXX XXXX XXXX XXXX. What do you expect from this bank who does not even have an email address for their customer service in this 21th Century! NOTICE : NO PHONE CALLS ARE ACCEPTED ALL RESPONSES MUST BE IN WRITING EMAILS OR MAIL BECAUSE IN MY EXPERIENCE, THE WELLS FARGO EMPLOYEES DO NOT TELL THE TRUTH.
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 an account
Subissue: Problem accessing account
Consumer Complaint: My brother and sister are the executors of my mothers estate. My sister XXXX XXXX said shes trying to get copies of my mothers statements and Wells Fargo and XXXX XXXX XXXX said they cant get them Please provide copies of all accounts for 18 months prior to her death. She passed XX/XX/XXXX. XXXX XXXX XXXX SS XXXX XXXX XX/XX/XXXX Estate attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX I appreciate the help. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34747
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 a check in the amount of {$39000.00} that was fraudulently obtain and negotiated cleared my account. I discovered the issue on XX/XX/2023 and contacted Wells Fargo to submit a fraud claim. I was told the process would take XXXX business days. XXXX calendar days have passed and not only do they not have a resolution, they can't even give me a straight answer. Needless to say I have not recieved my money back into my account. I never write checks this large and the bank simply cleared the check and didn't even issue a call or text to confirm if I had written such a large check. One of the investigators I have spoken to is named XXXX XXXX and my XXXX XXXX XXXX is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wells Fargo Credit Card 2 historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from XXXXXXXX XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have Wells Fargo credit card. I have setup automated payments. Why the payment for card ending in XXXX was not done on time? It is showing late by XXXX days. Then finally i need to do manual payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A