Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. Account Wells Fargo CRD SVC Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Wells Fargo CRD SVC Account XXXX XXXX Has violated my rights. 15 u.s.c 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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: XX/XX/XXXX : Made online payment for items from XXXX XXXX ( camping accessories for a trip I was planning ) XX/XX/XXXX : Items show as delivered from XXXX XXXX. There is an link to click for proof of delivery, but nothing populates when link is clicked on. XX/XX/XXXX : Reached out to XXXX XXXX about order not arriving. They told me to contact the shipping company who then told me I needed to contact XXXX XXXX. I filed a claim later that day with Wells Fargo for {$520.00} ( total amount of order ) XX/XX/XXXX : Wells Fargo denied my claim. Did not update with reason why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For years I had a XXXXXXXX XXXX XXXX for XXXX XXXX, the payments were by auto pay. Starting in XXXX through XXXX I was on several cruises in a row. My mail is held during this time. On arriving back home I discovered that XXXX had sold account to Wells fargo card. The transfer took place XXXX, by this time the acct. was reported as 30 days late. I have had Wells fargo for almost 30 yrs and have never been late on the several accts. and loans that I have had. My credit score went down XXXX points because of this. I explained this to Wells fargo and tried for 2 months with the help of a banker at my local Wells fargo branch to remedy this. On XXXX I received a call from XXXX XXXX from Wells fargo executive office stating that in XXXX my statement alerted me of this change. I pulled up both XXXX and XXXX. statements and nothing was mentioned pertaining to this. I am XXXX yrs old and have worked hard to maintain my good credit score and this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo fraudulently and sinisterly said my account was overdrawn when it never was. Wells Fargo fraudulently and deceptively advertises an available balance based on direct deposit that they then arbitrarily decide they dont want to honor as part of a sinister conspiracy to harm the customer to benefit the company. Wells Fargo needs to quit fudging customer accounts as part of a conspiracy to harm them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Friday, XX/XX/XXXX my checking account was accessed by fraud and a person claiming to be with Wells Fargo fraud dept. Wells Fargo claims to offer 24/7 fraud protection yet numerous suspicious events took place from Friday, XX/XX/XXXX - Monday, XX/XX/XXXX. Wells Fargo fraud dept is closed on Saturday and Sunday. This is misrepresentation on the part of Wells Fargo as they state 24/7 fraud protection. On Monday, XX/XX/XXXX I drove to a local branch ( I was in NC helping my XXXX XXXX XXXX father prepare for XXXX has he was just diagnosed with XXXX XXXX XXXX. He was XXXX and very active prior. I mention this as I was not in XXXX - my home ) While on the phone with the perpetrator, I received a call from the real Wells Fargo fraud dept who informed me my account appears to have been violated. This means the activity on my account was suspect but no one reached out until Monday as they are NOT watching XXXX related activity on Saturday or Sunday. Additionally, the text communications used to verify my account - by the perpetrator- are confusing and need to be addressed. While at the branch on XXXX there was no documentation as to the suspect activity by Wells Fargo. Even after opening a claim at the branch, no notes were made other than they closed my accounts and opened new ones- assuring me my funds would be safe. However, {$6000.00} in 'pending " unauthorized XXXX funds were processed out of the new account on XX/XX/XXXX. On XXXX, I recieved the same emails indicating someone other than myself was unenrolling my email in XXXX. This was the new account. Again, this happened on a Friday and the Wells Fargo representative I called on Friday at XXXX XXXX told me " the fraud dept was closed for the weekend '. She froze access to my online account. I had to call back on Tuesday to try and regain access. There was a class action lawsuit in filed on XX/XX/XXXX by a XXXX resident ( XXXX XXXX ) for {$7500.00} for the same type of fraud. It was volunarily dismissed without prejudice. No reasons were given. Wells Fargo has denied {$14000.00} in unauthorized XXXX transactions. They have not provided me with ANY proactive outreach to assist with this. I tried to conference in the real Wells Fargo fraud dept in on my call with the perpetrator while driving to the branch. Both calls dropped and I never recieved another call from Wells Fargo- nor were notations made when it was 100 % clearn my account and funds were in jeopardy. I only use XXXX integrated with the WellsFargo app. WellsFargo needs to afford the same protection for use of this XXXX funds transfer or make it VERY clear prior to activating integration that they will NOT support this product with the same vigor they do their private label products. I also have an issue with the method by which they allow consumers to change their passwork on their online banking. WellsFargo uses 2 different text messages to communicate account authentication. It is clear they have had issues with the text method for changing passwords by their unsuccessful attempt to make the verbiage more clear. The veribiage on the account authentication text DOES ask the consumer to provide a code to the bank. It is very confusing to the consumer that they do ask us for a code in one instance and tell us not to provide a code in another instance. A simple change to this method would eliminate this. Instead of sending a text with a code, they could provide a phone number to get a code to update their password as this is the EXACT procedure used when i was in the bank on XXXX. They have a more secure method and do not use it leaving the consumers vulnerable. I am not the only one with this issue. I posted on social media for others who have experienced this same type of fraud. Since posting on XX/XX/XXXX, I have XXXX other people who have reached out. XXXX XXXX ( XXXX XXXXXXXX, XXXX ) singled out Wells Fargo for " Alarming pattern of XXXX Fraud ''. XXXX states WellsFargo appears to have substantially higher rates of XXXX related fraud as compared to other banks. This needs to be stopped. Please help me. I plan to pursue legal action if this is not resolved. I plan to reach out to XXXX XXXX 's legal firm. Consumers need to know how flippant WellsFargo is in protecting its consumers. While at the XXXX XXXX ( XXXX ) branch in GA I was assisted by XXXX XXXX XXXX in trying to escalate this matter. She was very helpful but was met with indifference by the fraud team members and escalation dept. She, and the others at the branch, were is disbelief as to the series of blunders related to my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/23 I opened an online checking account with Wells Fargo. Account XXXX. In order to do this I approved a {$500.00} initial deposit to be taken from the savings account of my current bank, XXXX XXXX. After five days neither account showed a pending deposit or withdrawal & I received an email from Well 's Fargo warning me that my account had reached a XXXX balance. It had never left a XXXX balance because the transfer hadn't happened. I called Wells Fargo only to find that their automated voice system was doing everything it could to avoid putting me through to a person. After 15 minutes of trying I finally got it to send me to a human by entering a wrong PIN number. I was then told there was a 17 minute wait to speak to someone. When I finally got through I was frustrated and told them that after that customer service experience I now wanted to make sure the deposit was not pending and close the account. They assured me twice ( on a recorded call ) that there was no deposit pending. I asked what would happen if the deposit were sent and they said it would be rejected and returned. So I closed the account. Of course, about four hours later I see that now the transfer is pending in my XXXX XXXX savings account. I didn't worry about it though because I figured it would be cancelled or returned. To date I have not seen this {$500.00} appear back in my account. My bank, XXXX XXXX, has at least been helpful to the point of providing me a screenshot from their end showing the money was transferred to Wells Fargo and providing a trace number ( XXXX ) and told me Wells Fargo would need to determine where this money wound up. Three calls to each institution over two weeks led me nowhere. Wells Fargo customer service just read from a script and kept saying if the account was closed they wouldn't have the money. I asked them to please take the trace number and try to figure this out, they refused. Finally I asked to talk to a supervisor who opened claim XXXX and said they would reach out to me over the next ten business days if they needed more information. Again, this person refused to take the trace number. Roughly two weeks later I received a letter from Wells Fargo stating they were closing my claim and had determined they did not have my money. Never having reached out to me asking for any further information. This letter said if I wanted documentation on the claim and the investigation I should call them and ask to have it mailed to me, which I have done but have not yet received. I don't know if XXXX XXXX or Well 's Fargo has my money, but it's somewhere and I have a trace number which you would think should make finding it easy. But NEITHER bank is willing to take care of the issue much less work with each other to resolve it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: On Saturday XX/XX/XXXX, I mistakenly sent {$750.00} to a wrong account via XXXX : It turned out that I made a mistake in the phone number, a typo ; instead of XXXX XXXX, I typed XXXX XXXX ; and surprisingly, both account holders have the same name or so it seems. So, I immediately called Wells Fargo and explained the situation. I was told they were going to dispute the transaction and that it would take up to 10 days to get it resolved. Finally, on XX/XX/XXXX I received a letter stating that " no error occurred '' and that the claim was closed ; I was told the same thing on the phone. I certainly hope very much you can help me with this! It was rent money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I used The Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. I tried to withdraw {$680.00}, my account was charged for the amount plus transaction fee however no cash was dispensed and an error message appeared on the ATM machine screen. I went into the Wells Fargo branch directly after and was told there was nothing they could do about it as they do not service their ATM machines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I don't have any specific dates but {$600.00} overdrawn on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55106
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In the past I complained about being a victim of Wells Fargo and nothing was done and we are still homeless as a result of their wrong doing. I need justice I am an elderly person with XXXX that has been took advantage of I need justice this matter needs to be addressed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A