Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Between XX/XX/XXXX and XXXX of XXXX I had XXXX accounts open with my primary bank at Wells Fargo. XXXX checking and a savings account. On several dozen occasions I had reached out to Wells Fargo because transactions at different times wouldnt go through and when Id check my account theyd be in the negative. Each time I would call, I was told that even though I had the funds to cover it, previously added overdraft fees were pending to then take the money in my account, leaving me without access to my funds. Between XX/XX/XXXX and XXXX of XXXX when I ultimately had my account closed because I refused to pay anymore fees, I had paid and was charged about {$430.00} in fees alone, despite making deposits to cover those transactions. Ive never gotten a response from Wells Fargo, I was always taken through several different associates giving me different explanations as to why. I combed through every transaction adding and subtracting and came up with {$430.00} and all they could say is that the overdraft fees are not waived even after a deposit is made in a certain timeframe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: XX/XX/XXXX Wells Fargo Customer remediation, XXXX XXXX Iowa Sent a check XXXX XX/XX/XXXX Wells Fargo Customer Remediation XXXX These checks were made out to my deceased Parents who originated the purchase loan from Wells Fargo 28 years ago. Upon My Parents death I became a Successor to the XXXX loans in XXXX. The checks should have been issued to my name however it wasn't and I have been working with the Wells Fargo remediation tirelessly to since XXXX ( 3 months! ) to have these checks rightfully re-issued in my name. These funds are to be used to pay the amount in default on my parents loan. The mortgage has now gone into default over the last 3 months of these funds being held bye Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I requested a {$400.00} check be sent via Wells Fargo 's bill pay service to my Doctor 's office to pay down my account on XX/XX/2023. The check was sent on XX/XX/2023. XX/XX/2023, I contacted my Dr 's office as they were supposed to have received the check on XX/XX/XXXX and I wanted to make sure it had been received and I found out it had the wrong address listed. At that point I contacted Wells Fargo and requested the check be canceled and a new one issued to the correct address. Later that day I received notification that they wouldn't cancel the check because it had ben cashed that day. I requested and received the proof of payment with the copy of the canceled check. The endorsee on the check is clearly identified as a company other than the doctor 's office the check was made out to supporting that the check was fraudulently cashed. The same day I submitted a claim that the check had been sent to the wrong address and that it had been fraudulently cashed. They denied the claim on XX/XX/2023 because they hadn't made an error when they sent out the check, disregarding the fact that I wasn't saying an error had been made on their part but that the check had been fraudulently cashed. I tried XXXXwo more times, on XX/XX/XXXX and XX/XX/XXXX, trying to clarify the information each time but I always got the same response. They didn't make a mistake in sending it out so they won't do anything. Even though the check was fraudulently cashed by XXXX XXXX XXXX. I did try to reach out to them to try and get my money back that way, but they kept asking where I was a patient at and couldn't process the fact that I wasn't a patient with them and they fraudulently cashed a check not made out to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55427
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called and spoke with representative because there was a late payment on my acct and my payment was never late. I was unaware that they sent payment back once I made a payment on the account. The representative looked into the matter and advised me to dispute because it shows my payment was paid on time but wasn't aware that payment was sent back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Since Wells Fargo is the bank I was approved for financing I would like Wells Fargo to answer me and the Consumer Financial Protection Bureau with what Wells Fargo agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fight XXXX and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Further more under Federal Notices it says What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your drivers license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? Secondly 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? Thirdly why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. Point Five, What does XXXX XXXX in their letter to me mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I requested a loan payoff amount from Wells Fargo for my mortgage roughly XXXX dollars. Once I received the pay off amount I endorsed the coupon for the complete amount of my mortgage. By certified mail I sent off the endorsed coupon along with instructions for the CFO to respond in writing that he completed his portion of the endorsement process. Also if he did not perform his fiduciary duties for this account, the reasons should be given in writing. This packet was sent off XX/XX/2023 The company responded XX/XX/2023 in writing by sending a copy of the mortgage with no reason stated as to why the CFO duties were not completed for the account. A second letter was sent off by certified mail including : an endorsed coupon for the amount of the monthly payment of XXXX, instructions titled Tender of payment/Opportunity to cure. No response was received by me from the company explaining the total loan pay off, so I began sending in the monthly coupon endorsed and perfected. The company replied with the same packet that was sent to me at first ( XXXX response ), completely ignoring the instructions. The second reply was received XXXX XXXX. On XX/XX/2023 a third packet was sent to the company with instructions for the CFO to complete his fiduciary duties connected to my account. The instructions titled Tender of Payment/default notice and an endorsed coupon for the monthly amount of XXXX. I received a third erroneous response dated XX/XX/2023 with much of the same information as the two previous packets sent to the CFO. A forth packet was sent off titled Tender of payment/2nd default notice along with the monthly endorsed coupon directed towards the CFO requesting same as before. This time I included : Federal Reserve Act Section 16 and 29, UCC 3-603, 12 USC 1431 , 15 USC 1681 ( n ), 18 USC 8 and the statement a contract must be equitable to both parties. XX/XX/2023 I received a response stating they have refused my tender of payment and all future similar items will not be accepted and we will not respond to matters of the nature in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Yes I took my phone to the shop and forgot my card and other info were in the back of my phone. I got my phone back on XX/XX/23 and logged into my Wells Fargo account and seen a slew of atm transactions that were not made by me that day they were posted on XX/XX/23. The anmounts were 6 charges for {$500.00}, 3 charges for {$200.00}, and 1 for {$180.00} Immediately after recognizing the issue I contacted the bank to let them know. I was told that I would receive a temporary credit and never received it. I was told I would be contacted 10 business days later and was never contacted just and automated email. Finally I decided to call them and was told that my case was denied because they determined that fraud didnt occur. I know that under federal law I have two business days to contact the bank and I will not be liable for more than XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After XXXX disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want XXXX and the original creditor to have. It's XXXX job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to deposit cash into my Wells Fargo debit card through a XXXX XXXX XXXX XXXX ATM on XX/XX/2023 around approximately XXXX or XXXX XXXX, not knowing that I was only supposed to use Wells Fargo ATMs. The ATM took my cash and didn't give it back, so I immediately called Wells Fargo and filed a dispute. The amount I attempted to deposit was {$820.00}. The address of the ATM is XXXX XXXX XXXX XXXXXXXX, CA XXXX. Wells Fargo closed my dispute and claimed that there was no transaction/deposit at all. They said that they contacted XXXX XXXX XXXX XXXX and couldn't find any transaction, however if they did, they would find that I did actually try to deposit the {$820.00} that day. I did not even receive a resolution stating a reason for why my claim was denied, I had to call them and ask.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A