Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to the XXXX XXXX in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via XXXX XXXX that a hard inquiry was ran against my account for a loan for this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$300.00} bonus if within 90 calendar days of account opening I received a total of {$1000.00} or more in qualifying electronic deposits to my new checking account. On Monday, XX/XX/2023, I reached that objective, and called Wells Fargo on XX/XX/2023 to inquire about when I would receive the {$300.00} bonus. The customer service rep I spoke to said I should receive the bonus at the start of XXXX, because I had to wait until the 90 days were up. So after waiting until XX/XX/XXXX I called customer service again, and was told the account bonus was denied, and that the representative thought it was weird because when looking at their qualifications I had clearly met them. He said he would submit a form and that I would hear back after two weeks. I called again on XX/XX/2023, and the representative said there was no sign of any form, and that I should wait until next week. After having continuously been put off, despite keeping my account in good standing, and reaching out all Wells Fargo has done is continuously giving me the run around, and not providing me with the information I requested, nor the bonus per our agreed contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I used my XXXX card from wells fargo to pay my rent, the credit limit was higher than the payment amount, for XXXX and XXXX payment it both bounces back and XXXX did not resolve my issue, and occured me XXXX dollars of fee for these XXXX transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the account XXXX because i needed an active checking account to receive my direct deposit, i had heard such good things about Wells Fargo. I was under the impression that after i got my first direct deposit i would be awarded a XXXX bonus. I kept account balance in good standing and open for more than 90 days and did not receive any bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2023 : I couldn't see my savings account on my Wells Fargo app so I drove to the closest branch to access their ATM- I put in my card and again I was not able to see my Savings account. I went inside to speak with a teller and he said he could not see my account either. His manager then tried helping and again she could not find it. I had a horrible XXXX XXXX. There was no explanation and a lack of sympathy and apology. I was then expected to walk away with a confirmation number that the matter had been " escalated '' and nothing else. My entire life savings VANISHED with NO explanation. I proceeded to leave and had another XXXX XXXX as I was distraught and bewildered by my reality. A few people approached me in my panic to try and help and advised me I go to the police station. I arrived at the station and called Wells Fargo customer service hoping their response would be different. It was not different and in fact worse as the representative miscontruded my words claiming I said " Wells Fargo is Hiding my money '' which I DID NOT SAY. Again, the lack of sympathy and urgency for my matter sent me into another horribl eXXXX XXXX that occured in my car while on the phone with the representative. I screamed so intensely I burst my XXXX XXXX in both my eyes causing me extreme discomfort and stress to this day as theyve become itchy and swell up and the stress of this situation flared my XXXX. I then went inside the police station where I was met with disregard. They said there was nothing they can do. Again, I left in panic and disbelief and thankfully a couple there saw my distress and approached me to see if there was anything they could do to help. The next day I called for an update and the representative said there was no update because the case had only just been assigned to an investigator. This led me into an XXXX XXXX that takes away my ability to feel and think properly. Later I received and email saying they would contact me within XXXX days which they did not do. I have been as patient as possible and yet there is no resolution. The fact that this criminal organization continues to operate is unfathomable. My livelihood and my future are at stake. I cant sleep at night, I wake up with an accelerated XXXX XXXX and my cripling XXXX XXXX and XXXXXXXX XXXX are all back. The tension throughout my body is painful, my hands have a persistent tremor because of the worry they have caused me and I'm now forced to take medication in an effort to try and keep my sanity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am infuriated, yesterday i got a voice message from Wells Fargo Fraud Department and their requested that I call them back which I did only to be passed from automated to automated response and eventually being kept on hold for over an hour to get a representative on the phone and finally gave up and hung up. It's XXXX now and I finally got a call back at XXXX today only for the bank representative to tell me that they have denied my fraudulent claim due to the fact they I was able to log into my online banking through out the periods of said transaction, this is their reason for denying my claim, insinuating that i must have seen this charges because I went into my account, they made they judgement based on insinuation of my awareness of my account being used which to me is absolutely benign. They was not even the decency to ask me any question regarding the log ins on my account the during the period and why i hadn't seen any of this transaction. I could feel XXXX XXXX XXXX as well as my XXXX XXXX going up as I was talking to this rep, and as a XXXX survivor who is pre disposed to XXXX XXXX XXXX my intensions was to stay calm n centered and blow up. After I told her the reasons I access the mobile banking and also what prompted to go through my accounts after seeing a video on XXXX that talks about bank hidden but heavily focused on Wells Fargo several malpractice which led me to discover unauthorized transactions. I had to step out side to cool my head and come back and call CFPB and I was suggest to put a claim. FYI I asked the rep if I can get documentation that supports their judgement and she told she will apply for some kind of appeal of this situation cause there's obviously no financial legal code that led them to their accusation, and I say accusation at this point because that's literally what their assumption means. Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: We were sold a service by XXXX XXXX XXXX XXXX that turned out not to be what was sold to us ( You can get certified as a personal trainer only to find out later that their certification is not recognized anywhere on its own ). During our dispute with XXXX, we contacted the bank and told them not to allow the charge to go through. On XX/XX/XXXX, it did. We disputed it and they credited our account while they investigated. A couple of months later they took the money back. This lead to our account being overdrawn and charges taken out repeatedly. I had a client pay me to that account and I never saw the money because it simply went towards the overdraft amount We now are still {$250.00} overdrafted. The charge was for {$1000.00}. Our bank is Wells Fargo. We are still fighting XXXX about their scam but it would be nice to not have the account overdrawn. I believe the bank should have stopped it originally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
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: Banking errors
Consumer Complaint: XXXX XX/XX/, I received a text message that my direct deposit posted to my account. I logged into my account to see if the amount reflected in the text and read the entry as that from my employer. It was in fact, my biweekly payroll deposit made early by XXXX XXXX early payday program. Ive been initiated payments to post via online bill pay and made other payments from other merchants as well. The following day, the payment posted and was deducted from my account for XXXX XXXX XXXX. They sent me an email, verifying their receipt of said payment. On XX/XX/XXXX, I logged into my account and surprised to see that I was had more than {$300.00} in my account. This was not reconciling with the amount of my account the previous night, which was significantly lower than {$100.00}. It was quite possibly less than {$20.00}. So I was surprised to see more than {$300.00} in my account. I thought perhaps it was my direct deposit from the franchise tax board as they just authorized my tax refund to be made. so I paid a couple of bills and then transferred money into my savings account. At the end of the day, I received an email from my bank, Wells Fargo, advising me of an insufficient funds notice, and that the payment that I made to XXXX XXXX XXXX was returned. I was in utter horror and shock as I saw this payment deducted the day before. Further, I was not notified of any kind of a failed attempt, nor did I see any kind of activity in my bank yesterday as I logged in several times, indicating any kind of deficiency or lack of funds. it was my payday yesterday. I got paid from work, and I paid all of my bills. When I spoke with Wells Fargo later that day, XXXX informed me that there were some issues with the direct deposit, that my credit card payment was not declined or returned, and that there was a glitch in the system. he said that he had good news he told me that the system would rectify itself on Monday and that I would be in the deficit for the amount of the return to credit card payment. This was not good news to me. As a detrimentally relied on all of the representations made by Wells Fargo by logging into my app, and seeing the positive balances, and seeing the running balance, as the day went on, and I paid my bills. further, if theyre the direct deposit did not post until today, then, therefore, every single transaction that I made yesterday would be considered insufficient, and not just the returned credit card payment. So that does not make sense in and of itself. If my direct deposit was only credited on XX/XX/XXXX, then why do I not have that set amount in my account right now? if my account was insufficient yesterday on XX/XX/XXXX, and the amount that was returned was approximately {$280.00}, then why do I have {$400.00} total between my checking account and my savings account? I have enough money. I have not had any other deposit. So mathematically, I could not have been overdrawn or had insufficient funds. Their argument fails. And now Im going to be experiencing adverse treatment from my credit card because theyre going to see a return payment. That payment further affects the reporting to the credit bureaus as it was the last day of my billing cycle. I finally was able to pay off my balance before the billing cycle so that when they report to the credit bureau, my credit usage will be XXXX. That will positively influence my credit score. I am trying to work very hard to improve my credit. And this mistake piles Wells Fargo has, extremely severely adversely affected me. And now they want to just keep saying that it was returned because of insufficient funds and that my direct deposit only hit today. Well, if thats the case, then every transaction should have failed. But at no time have I been in the negative!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo has pay in advanced on ACH depositstherefore money shows in account two-days early. Started paying bills with that balance updatebut then WF claims overdraft and begins removing money from overdraft protection, even though they also claim overdraft grace period. The available balance is still OVER the amount they claim was over drafted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A