Date Received: 2023-10-12
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: an account was open in my name without my consent due to the fact i was a victim of fraud i was trying to get an place and i found out the people i gave my information and money to wasnt even the ones selling the property i was told i had to leave after paying so much money to them next i tried to pen an account for a bank and was told that i already had an account and it was closed due to low funds and overdraft fees and i stated i didnt open they told me that it was open by me which thats inpossible if i had know knowing of an account being open or i wouldnt try to open one they said acount was open XX/XX/XXXX and i have overdraft of XXXX to pay i let them know again today XXXX XXXX XXXX that i was a victim of fraud so they need to close it here is the case number submited today XXXX wells fargo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
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: On Monday, XX/XX/XXXX, a bank holiday, this writer, XXXX % owner of XXXX XXXX XXXX XXXX XXXX, deposited a client 's check ( XXXX XXXX on XXXX XXXX XXXXXXXX ), made out to XXXX XXXX XXXX in the amount of XXXX in the Wells Fargo Bank ( WFB ) ATM, XXXX XXXX, XXXX XXXXXXXX XXXX. Expected funds should have been released but were withheld, and after a visit with a XXXX XXXXXXXX ( XXXX ) on XXXX XXXXXX/XX/XXXX. I was given no reason for not releasing the funds. On this date, XX/XX/XXXX, WFB released {XXXX of the XXXX deposited on XX/XX/XXXX. A message on the online WFB webpage advised that the remainder of the funds, XXXX, would not be released until XXXX XX/XX/XXXX. The meeting at WFB, XXXX XX/XX/XXXX with my complaint, had WFB release the remaining XXXX} this date, XX/XX/XXXX. However, fearful of checks not clearing the XXXX XXXX XXXX account, XXXX was borrowed from the credit line. This is a blatant case of the bank stealing money from a long-time small business client, the subject account opened in XXXX. XXXX Wells Fargo Bank, XXXX XXXX, 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: 94404
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Was offered {$200.00} credit after spending {$500.00} in 3 months which I did plus other benefits. Refused to pay offered benefits. On XX/XX/2023, I wrote after sending several previous letters. Company still refused to pay the card benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
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: Fraud or scam
Subissue:
Consumer Complaint: I applied for a XXXX XXXX position on XXXX, believing it to be a legitimate job opportunity. After the interview, I received an offer letter and completed a W-4 tax form. Subsequently, " XXXX XXXX '' ( XXXX ) sent me a check for {$4900.00} to cover the costs of purchasing work-from-home equipment, including a computer, printer, fax, and software. I deposited this check into my Wells Fargo account on XX/XX/XXXX. The next day, on XX/XX/XXXX, I transferred {$1500.00} via XXXX XXXX to XXXX XXXX for the intended equipment purchase. Later, Wells Fargo informed me that the deposited check was fraudulent. Despite the initial appearance of the funds in my account, I now find myself owing Wells Fargo {$1500.00} due to this transaction. I've explained to Wells Fargo that I was scammed, but they insist it was my fault and are unwilling to work with me or help me retrieve the money. This situation feels deeply unjust, as I had relied on the funds being genuine. While I may have found information about XXXX XXXX online, I am hesitant to reach out directly. Therefore, I am reaching out to Consumer Finance in the hopes of resolving this issue and having the {$1500.00} returned to my account, which is currently overdrawn. I have attached the following documents for your reference : - My conversation with the scammer in a PDF. - Their XXXX XXXX information. - The offer letter that I signed. - The completed W-4 form. Below is the possible information for XXXX XXXX : Name : XXXX XXXX XXXX Age : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Current Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Wells Fargo asserts that the foreclosure I sustained was routine. There are contradictions to this assertion. It is necessary to restate Wells Fargos assertion details which are quoted below. My contradictions are as follows. Wells Fargos most recent letter dated XX/XX/XXXX included an escrow account disclosure statement as follows which I am seeing now for the first time : Each year, we review your escrow account to make sure the escrow portion of your scheduled mortgage payment covers your property taxes and/or insurance premiums. Increases or decreases in your annual taxes and/or insurance premiums may cause your mortgage payment amount to change. Here are the details of your most recent escrow account review. Please take a moment to look over your new escrow and mortgage payment details. Your loan is now delinquent. This contradiction is a comparison between the years XXXX and XXXX since your remark that I had a delinquent account would be validated if there was an increase in the escrow portion of my mortgage payment received by the XXXX XXXX XXXX XXXX XXXX XXXX in the Town of XXXX, XXXX County. As the attached receipts show, there is net decrease between XXXX and XXXX in the amount of {$270.00}. Wells Fargo has stated that XX/XX/XXXX was the initial date of the basis for their assertion that property taxes were increased. Wells Fargo did not provide me with any such notification in advance of XX/XX/XXXX and I never received any notification from the Receiver of Taxes that there was an increase. In Wells Fargos XX/XX/XXXX letter, Wells Fargo states that I was delinquent, but this information was never received by me from the main office or my personal bankers during the period in question from XX/XX/XXXX to XX/XX/XXXX. Please see the attachment of the business cards of my personal bankers. My personal bankers accepted my payment consistently in person. They never mentioned that there was any delinquency in my account. From that, it was conclusive to me that my payments were accurate and complete each time I made my monthly payments during the period in question. Accordingly, based on the receipts provided by the Receiver of Taxes which is now in your possession, any changes must be announced in advance by the Office of the Receiver of Taxes, The Treasurer of XXXX XXXX and Wells Fargo. I was very surprised to receive a letter from Wells Fargo on XX/XX/XXXX which included as follows : Since those funds are less than the total amount to make a full contractual payment, were unable to apply these funds to your loan. For this reason, were returning the funds to you. Subsequently, Wells Fargo indicated that they would not accept any further mortgage payments from me and proceeded to a foreclosure process. Summarization : Wells Fargo never communicated to me that there was a delinquency which could have enabled me to provide contradictory evidence prior to the initiation to foreclosure. Wells Fargo, from both the main office and by my personal bankers, kept silent. Wells Fargo silence has been deafening. Accordingly, since in the Consent Order Section 28 fits into this particular situation, it is appropriate that Wells Fargo declares me victimized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On 2014 I was behind a few payments on my mortgage with wells Fargo, after calling and going into a repayment plan for 6 months in which I would pay about 2 1/2 times more of the payment to catch up. I was fully caught up, but for some reason I was being kept told that I was always behind in some kind of amount or I owed some kind of amount. I tried multiple times to resolve this with Wells Fargo, up to the point where I had to have the vice president look into my issue, in which he finally mentioned that my account was out into foreclosure for some reason when it shouldnt but he wouldnt send me an email to allow me to have it in writing. He said that he would have the foreclosure removed but within the next few months I refinanced with XXXX. I have yet to be able to find out where all the extra payments went and in the statements they provided, it even shows that they were being placed in some other form of account that were never actually used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. On XX/XX/2023, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX we transferred {$10000.00}. We open a case here on XX/XX/2023 with case number : XXXX The case was closed but we never receive the money neither the recipient, and we never get a real answer about why the transaction was not executed and all this time the money has been on the cloud, not in our hands and not in the manufacturer hands, we have to pay interest for the money as it was from the line of credit from the same bank account but during all this time money was not actually in use by us, was complete lost. We have no other alternative to send the money again and we have no guarantee it will happen again as we were not informed what the issue was so we can't remediate it. The Wells Fargo company, after many calls hasn't been able to provide at least a reason for this situation blaming the bank they are using for the transaction, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1 ) In XXXX of XXXX, I mailed a check to the XXXX XXXX XXXX Collector, but someone stole it during transit and unlawfully cashed it, stealing {$30000.00} from me. I made a claim about the reimbursement of this unauthorized check immediately after I discovered it, and proceeded to make around 10 more claims because the bank wouldn't help me. Wells Fargo bank stopped sending me paper statements since XXXX and I had no way of knowing the check was cashed by a thief. In addition, I went to a different branch ( XXXX XXXX ) about 10 days after I mailed the check and the teller said that it was cashed and to not worry. She didn't bother to check who it was cashed by or to give me a copy of the check when I asked ( said the machine was broken ), so I didn't know it was stolen at the time. I only learned it was stolen when I got a {$1800.00} penalty notice from XXXX XXXX for paying my taxes late. The tellers at the banks keep saying I will get reimbursed, but my claims keep getting denied because it is past the 30 day window from when the check was cashed. I can't sue Wells Fargo because of an agreement I signed with them without knowing of its existence, so my only route is through arbitration. The bank would not provide me with the Statute of Limitation for when I could arbitrate with them despite my request. 2 ) Around XX/XX/XXXX when I submitted the original complain to CFPB, XXXX from Wells Fargo called me and rushed me to make a written statement, which I wasn't comfortable doing because of my limited XXXX as a XXXX immigrant. I asked him for more time, which he responded by saying that if I didn't cooperate he would drop my claim. He asked if I couldn't write in XXXX and I said I couldn't. He proceeded to say that that's why " we XXXX XXXXXXXX and XXXX. '' I was very upset with this XXXX and rude remark. He apologized, but I still felt offended. 3 ) Two customer service workers at the Wells Fargo bank told me they don't know anything about my case. I was asking how I could start the arbitration process and when the last date to submit was. Both of them told me they were told not to discuss my case by their manager 4 ) At the end of XXXX of XXXX, I had stopped by the branch to get a copy of the deposit agreement, and I was told to wait 45-50 minutes even though there were no customers in the lobby and there were 7-8 workers who all denied to help me. Finally, after 50 min, I went to XXXX and she asked for my ID and debit card ( which I had never owned. ) I gave her my Driver 's License and she told me that the manager required to record everything about my case. It took 5 min to get a copy and I left branch after 1 hour. 5 ) On XX/XX/XXXX, I was inquiring about the minimum balance to be waived the monthly fee and any return item fee. Nobody helped me at the teller and the manager asked me to wait 45-50 minutes again even there were no customers. Almost an hour later, the manager helped me to answer just these 2 basic questions. The manager was noticeably mean to me and it seems like they keep trying to avoid helping me. I closed the account that day after 20 years of owning it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Several years of excessive overdraft fees resulting in thousands of dollars. I feel like they were charging me too many overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
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: Someone stole my Wells Fargo debit card and had used it at a branch in XXXX XXXX XXXX nv to withdraw {$600.00} from my checking/savings acct and deposit 2 fraudulent checks to My checking acct on XX/XX/23. I reported the incident to Wells Fargo and to XXXX XXXX XXXX police. Wells Fargo never investigated my claim and had closed my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A