Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from Wells Fargo again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the Wells Fargo Loan appearing on my credit report to XXXX and XXXX and I received a notice from XXXX dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: It started several weeks ago ( mid to late XX/XX/2023 ). My wife and I live much of the time in XXXX. I am XXXX and my money is in the XXXX. I have a bank account in XXXX and replenish it using XXXX a money transfer company. XXXX instituted new controls and after repeated attempts on my part to send them the documents they needed they still claimed they could not read the documents and they dropped my account. I appealed that but it took several weeks to get reinstated. My XXXX funds deposit money monthly into my Wells Fargo account. I could not access my funds because I share my XXXX phone ( which Wells Fargo uses to send a verification code ) with my son in XXXX, and my son can not be reached. I had earlier tried to order a secure number generator and was told by the phone rep at Wells Fargo that it was more or less hopeless to have one sent overseas. I tried to reason with WF to send a code to my email and they refused. We then requested one of my wife 's friends in the XXXX to order us a SIM card and we had it sent to us via XXXX. After receiving the SIM card I found our account was still blocked. I called WF numerous times ( I would estimate at leat 20x ) talked with customer service in XXXX, and in the XXXX. The Fraud Department in XXXX, the Fraud Department in the XXXX, the 'Account Takeover ' group in the XXXX . On one Saturday I spent over 11 hours on and off the phone with WF. Each time they told me my account is unblocked. Finallly a few days later again spoke with WF in XXXX and one of the customer service reps checked some other data base and said the problem is that our new phone number must be verified. She told us she initiated that procedure on our behalf and that the procedure would take 3 days but 'to be sure ' wait 4 days and try again. Tried again on the 4th day and again transaction would not go thru. Called WF again, asked to escalate to a supervisor. Supervisor said the procedure takes 5 days and wait till end of day XXXX Monday. I just waited till past XXXX Pacific time tried again and account is still blocked.
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: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I saw and my monitoring credit bureus two inquiries I never request on my credit score. I contact the banks and let them know It wasn't me. I sent letters, I called multiple times to the banks and the credit bureus and I never got any answer o solution to this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Wells Fargo checking account that promised a {$300.00} bonus by meeting certain conditions : {$25.00} opening deposit and {$1000.00} in direct deposits within 90 days. There was no code needed if you clicked directly on a link online ; only a code was needed if you did it in person. I absolutely clicked on the link and exceeded the required terms. I have no proof I clicked on the link. I have made numerous calls to Wells Fargo regarding this issue. I received a letter dated XX/XX/23 that account was not opened using required link. This is absolutely false. Again, I have no proof - no code was required. I was on the phone for XXXX minutes and the only resolution was to file a complaint through Wells Fargo. With the customer service I have received so far, I knew this would be a waste of even more of my time. Due to the wait times to talk to representatives regarding checking account bonuses, I think they are denying many people their rightful bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88007
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was overcharged for overdraft fees in the amount of {$300.00} with no explanation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: {$940.00} is still out of my account from fraud with draws. Wells Fargo sent a letter saying " I must have given permission or bank card for transactions '' I live in XXXX NV, the fraud is from Florida. I went to local branch, hoping to resolve, this resulted in letter stated above. I explained to phone banker, the day these changes appeared I was attending my wife 's funeral and it was impossible for me to have been in Florida or Georgia. Call escalated but I was told it was my fault I should have given someone permission to use. I have been very grief stricken since my wife died and this is not helping. I have the bank statement that clearly shows the amount and places of fraud transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was recently robbed of my phone which led to multiple unauthorized charges on many of our accounts. I use this XXXX credit card to pay my rent and due to all my accounts being locked, I was trying to use the XXXX card. I wanted to make a minimum payment that would allow me to stay current on my account. I used a separate checking account that would allow me to pay my balance on the card. I used the credit card 's automated system to connect my checking account to my credit card. I reported the fraud on my XXXX card and I asked for a replacement card and made my minimum payment. I am unsure of what happened next and the next time I called the credit card company, they said my account had been closed and offered no explanation. The letter I received provided no further explanation. I can't see the balance on my account or anything like that. I am attaching a police report that provides the timeline of these events.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: What is happening that a family member got all my information from my house and from my XXXX XXXX years ago she opened accounts on different branches that's the way she link to my account I reported to the police more the once but still not solve the problem she make transaction and withdrawals in my account even if I move to another bank she will do the same thing over and over I'm tired of this situation at first I talked to her about it and she totally denied and continues doing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo Bank refuses to answer the complaint after telling me over the phone that they will.. The last representative not to answer the complaint was XXXX XXXX from Wells Fargo Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: From XXXX to XXXX, I was entangled in a phishing scam. The scammers obtained access to my savings account, and I lost a total of {$48000.00}. I reported the incident to reportfraud.ftc.cov. to my local police department, to all the credit bureaus ( XXXX, etc. ) to my state attorney general 's office, and to the FBI Internet Crime Complaint Center. I contacted the Wells Fargo Fraud Claims Department on Sunday, XX/XX/XXXX and filed a report. I was told the report could take up to ten days to complete. I called Wells Fargo on Thursday, XX/XX/XXXX to submit additional information. Later that week, I received a letter from the Online Fraud Claims department. They refunded me a total of {$2200.00}. They claimed the reminder could not be recovered, because either there were not enough funds in the account, or the account had been closed. I do not understand why a paycheck for {$3000.00} was not refunded, because I didn't see where that was related to the withdrawals. I also thought I would receive reimbursement for {$4000.00} paid on my debit card, because of Wells Fargo having a " XXXX liability '' policy on debit card losses. The fine print on the Wells Fargo home page did not discuss scams in any form, so I called Wells Fargo on Thursday, XX/XX/XXXX to clarify, and was told money lost through scams was not covered by the " XXXX liability '' policy. I think it is false advertising to say that a company has a " XXXX liability '' policy if there are exceptions to the policy. In this article published in XX/XX/2023, a Wells Fargo representative stated that " When we learn of fraudulent activity, we take action and work to ensure there's no harm to the consumer. '' https : XXXX I don't think that statement is consistent in my situation, since clearly I have suffered significant harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A