Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -NOT A DUPLICATE -- -- -- -- -- -- -- -- -- - I AM THE ORIGINAL CARD HOLDER AND ORIGINAL CREDITOR ( see 15 USC 1691a Definitions BY CONGRESS ) I HAVE EXERCISED MY RIGHT TO CREDIT BEING A RIGHT GRANTED WITH WELLS FARGO FOR AN EXTENCION OF MY OWN CREDIT. WELLS FARGO HAS OBTAINED MY SOCIAL AKA CREDIT CARD ( ASSET/SECURITY ) AND HAS NOT GIVEN ME ANY BENEFIT IN RETURN THS IS A VIOLATION UNDER 15 USC 1644 FOR UNAUTHORIZED USE OF A CREDIT CARD. MY SOCIAL AKA CREDIT CARD IS USED FOR THE SOE PURPOSE OF EXTENDING CREDIT WITHIN THE BNAKING SYSTEM. IN MY CONSUMER CREDIT TRANSACTION WITH WELLS FARGO THEY HAVE OBTAINED MY CREDIT CARD AND APPLICATION ( NEGOTIABLE INSTRUMENT see UCC3-104a ) BUT HAVE DENIED ME MY OWN CREDIT THEY HAVE ALREADY RECEIVED MONEY FOR BY THE FINANCE CHARGE THERE FOR WELLS FARGO HAS DISCRIMINATED AGINST ME UNDER THE ECOA. -- -- -WELLS FARGO HAS COMMITTED SECURITIES FRAUD AND WILL RECIEVE A IRS AUDIT UNDER IRS FORM 3949a and IRS FORM 211 -- -- UNDER TILA SINCE MY RIGHT TO RECIND WAS NOT DISCLOSED TO ME AT THE POINT OF DISCRIMINATION THE DEAD LINE TO RECIND Is NOT 3 YEARS. I OFFICIALLY EXERCISE MY RIGHT TO RECIND AND DEMAND WELLS FARGO SEND BACK TO ME MY -- ORIGINAL CREDIT APPLICATION -- OR THEY WILL BE IN BREACH OF THEIR TRUTH IN LENDING REQUIREMENTS AND HEAVELY LIBALE FOR DAMAGES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I checked my Wells Fargo checking account to view my direct deposit from My job. I noticed my balance dropped extremely low, I then check my statement and see 15 charges from XXXX that I did not make including one deposit credit of {$1000.00} that I did not make. I immediately called Wells Fargo customer service to report this and They replaced my debit card and started a claim. They advised me there will be an update within XXXX business days. Following the call, I filed a police report with my local Pd. Coming close to the XXXX business day, I miss a call from a number which is Wells Fargos claim department due to my workplace not allowing me to be on personal phones. The voicemail states that a Wells Fargo claims XXXX has a few questions for me regarding my claim and to call back this number. I call back as soon as I can and was advised that I cant connect to the case XXXX as they are in the backend team. I explained they called me at work and then I was asked to provide a time frame I can answer the phone for their call back. I gave the time frame and it was noted by the representative. The next day I was called at the same time at work, and I wasnt able to pickup the phone again. This time the voicemail stated that the claim has been decided and to call back this number. I call once again and was advised that I cant connect to the XXXX as she requested me to, and this time they asked if I have a work number I can answer the phone for the call back. I gave my work number. This is XX/XX/2023. The supervisor who noted my work number said they will call me within XXXX hours. It is now XX/XX/2023 and I didnt get any call back .i call the claims department once again and was finally given information regarding my claim. They told me that the claim was denied since Wells Fargo cant confirm fraud occurred. They advised me to file a police report, which I did weeks prior, and to contact the merchant. The issue is I did contact the merchant the same night I called Wells Fargo to report these charges. They advised me that the charges I am describing to them do not appear on my XXXX ID. Thats it, no more information at all. My wells Fargo debit card was never attached to my apple wallet before, I never used Wells Fargo on apple pay either. My XXXX XXXX account shows no transactions, and the only cards I ever had attached to my apple wallet was my capital XXXX credit card and my XXXX XXXX XXXX credit card.
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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Previously I had filed a complaint to the State of Oregon Comptroller 's office regarding Wells Fargo 's unethical treatment by agents resending on agreements for terms on our home mortgage payments during a time we needed assistance due to much hardship beginning with XXXX. Our home and land was lost. I have been saying the same thing about the unethical treatment of Wells Fargo for many years. I contacted Wells Fargo numerous times and provided them with all info they requested. We then mortgage repayment letters that were far different from previous statements and were impossible for us to catch up and make the banks demands. We had land as well as livestock. This created a horrific and XXXX draining situation to find homes for the livestock and us in the very rural area. Our home was broken into and then posted no trespass by Wells Fargo. We lost much of our personal belongings. There were elements on the access road to our home through the subdivision which made the road impassible due to flooding as well. I reported this complaint to CFPB complaint # XXXX on XX/XX/XXXX and provided documents. ( please see complaint ) I have submitted complaints and request for compensation to Wells Fargo and as of recently they have once again made confusion and recanted on paperwork they sent to me. I have been working currently with XXXX XXXX, phone # XXXX # XXXX last we spoke he said to contact him with follow up questions but when I called back the next day his answering message said he was on the line helping others, which was not true as he had left for vacation. XXXX XXXX had sent a letter on XX/XX/XXXX ( attached ) asking what I desired for a resolution. So I spoke with XXXX who said he would follow up. Then out of the blue I receive a phone call on XX/XX/XXXX from a women Wells Fargo representative who tells me my complaint is not valid for the Wells Fargo settlement and I will not get any money. I had filed to be a part of the Class action Wells Fargo mortgage claim. I did so online as well as a phone call to Wells Fargo. I once again asked this agent if they had my address correct as they had not previously, they claimed and causing paperwork to reach me late. I requested of XXXX XXXX to email me documents as well as send USPS. he has been out on Vacation until XX/XX/XXXX I received another letter dated XXXX case XXXX and it said Wells Fargo was committed to looking into my complaint. Then today on XX/XX/XXXX I receive at the USPS a XXXX letter from Wells Fargo that says they inadvertently sent me an acknowledgement letter on case # XXXX, they apologize and are withdrawing the case. ( attached ) once again they have recanted. I maintain that Wells Fargo caused us to loose a home, land, livestock and personal effects. Causing much emotional stress and displacement. XXXX XXXX formerly XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : Wells Fargo, XXXX, XXXX XXXX, XXXX, among others. I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. Thank you for considering my request. I look forward to a favorable resolution of this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08050
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23, I presented claim # XXXX to Wells Fargo for a fraudulent charge made to my checking account on XX/XX/23 for {$470.00}. I received a response dated XX/XX/23 indicating my claim was denied " because too much time passed before I notified them.I did not receive any alert from the Bank as I have requested. On XX/XX/23 I presented another claim # XXXX for {$1000.00} charged to my business account on XX/XX/23. I received another resolution denying my claim for the same reason ; even though it indicates " we need to return any unauthorized CCD payments... no later than the second business day after the transaction occurred '' This transaction was made no later than the second business day after the transaction occurred. Nevertheless my claim was denied. I did not receive an alert either for this transaction. I have been a victim of many attempts to take money from my business account. They even recommend I close a previous account and open this one. The results were the same. I have been a client for XXXX years, never before with any fraudulent attempt and no interest payment. I deposited the money in the bank because I don't want it to be stolen in my house. It's a shame the Bank does not want to be responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: They are not reporting two years worth of payments. I reached out and they told me they couldnt due to some kind of informational hold on my account. They told me the hold was released from my account but they are still not required to report all payments since the hold was there in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92083
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I received a phishing text supposedly from the XXXX about a package that needed to be redelivered ( I was waiting on something ) and there was a small fee for redelivery ) and not realizing it was phishing, entered my debit card information. Later that day, once I realized it was phishing, I reported my card number as compromised and had a new card sent. No unauthorized charges were made, so I thought I was safe. Then on XX/XX/23, XXXX unauthorized charges were taken of XXXX each, because the new card information was entered into the Wells Fargo digital wallet. I contacted Wells Fargo to report the charges as not something I authorized. and they then cancelled the replacement card ( which I had not received ) and sent another card ( the one I have now ) and began the process to investigate and get my money back. However, a few weeks later I received a letter stating that the claim was closed and I would not get my money reimbursed. I then contacted the claims department to dispute this, and try to give more information about what happened. They denied to reimburse me and escalated it to XXXX XXXX XXXX XXXX. I was contacted by an Escalations representative and again explained things. A week later I am told that I am not getting reimbursed as the claims department decision that " it looks like the charges were authorized '' is correct and there is nothing I can do to dispute this further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today, XX/XX/XXXX approximately XX/XX/XXXX I received several calls from a Wells Fargo number XXXX. It's the same number on the back of my debit card. The imposter wanted me to verify several charges that morning with my debit card. I did not make any charges that morning. He stated two charges in XXXX, Florida, one at a XXXX for about {$240.00} and one at an XXXX store for about {$1000.00}. I said no. While I was on the phone he said our account was also being flagged for a XX/XX/XXXXtransfer for {$500.00} to someone named XXXX XXXX. I said no that was not me. In addition he said someone transferred {$1700.00} from my checking account to my savings account. I was very concerned because this showed they had access to my online banking. He asked if my husband might have made the transfer. I said no. He said he would have to close the account and give me a new account to transfer my funds into. He said it would take about 2 minutes and put me on hold. It all sounded very professional and I was looking at my account and it looked like there was a transfer made without my knowledge of {$1700.00} into my savings account. So I was glad I thought the fraud department caught it before it got out of hand. Then he came back on the phone and said he had to lock my phone? Asked what phone company I use and I told himXX/XX/XXXX. I was in a panic now so was going a long with it. Then he asked me to send my online pw : and then text it back to him with a space and " cancel ''. I did this unfortunately. Then he sent me a " new account '' and asked me to do a wire transfer of the balance. He said this is the quickest way to protect my funds. I was concerned and asked if I could verify that he was actually Wells Fargo. He gave me his name and employee number but I should have hung up and called back. I carried on and approved the wire transfer. He then said it would take about 24 hours but usually takes less than that. I hung up. Feeling uncomfortable I told my husband what happened. He soon started getting calls from " Wells Fargo '' and they were trying to confirm with him some charges on his debit card. The person seemed to have access to our online banking and our last four digits of our debit card. He said the phone " dropped '' or ended. So he decided to go in to a branch and they confirmed that it was all a hoax and the wire was still pending so they were able to cancel it. I'm just writing because the whole ordeal felt like someone from within Wells Fargo was commiting this fraud. They had all the language and ability to get in to our account information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78752
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: XXXX XXXX told me this charge was reversed & permanently credited to me on XX/XX/. A confirming email was sent to me on XXXX. But... XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Re : Failure of XXXX to credit my Visa account for {$39.00} Name and Account number : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dollar amount of error : {$39.00} Description of the error : My current statementAccount ending in XXXX Statement Period XXXX to XXXXshows the amount of {$39.00} now added to the amount I owe. The crux of the issue is that XXXX XXXX self-pick-up vehicles. I rented one in XXXX for XXXX XXXX XXXX It was in a garage with no attendant and an electric gate for which XXXX gave me no code or pass. I was unable to exit the garage with the vehicle. I spent over two hours attempting to clarify the situation with XXXX ; XXXX offered no resolution. So I told them I was returning the key and expected a refund. See below for a record of the most relevant communications among XXXX, Wells Fargo and me regarding this matterall of which I have explained to those who answer your dispute line. I will appreciate your attention to this matter in a constructive approach which resolves the issue for all of us. Very truly yours, XXXX XXXX On XX/XX/, I received the following email from XXXX Support : Hello XXXX, Thank you for taking the time to consider borrowing a vehicle from XXXX and reaching out to us. As per your request, your reservation was canceled. We hope that you consider XXXX in the future. Your reservation has been canceled, and you will receive a full refund. Best Regards, XXXX Support On or about XX/XX/ Wells Fargo wrote me the following : Were making progress on your dispute Dispute Number : XXXX Date Posted : XXXX Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Waiting on Merchant Based on the information youve provided, the merchant may owe you a refund. The merchant has up to 30 days to look into this and get back to us. Well let you know as soon as we hear from the merchant. Until then, thank you for your patience. Questions about your dispute? Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center On XX/XX/XXXX, Wells Fargo sent me this email : Dispute Number : XXXX Date Posted : XXXX Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Call Us We need to speak with you about your dispute, but we havent been able to reach you by phone or email. Please call us at XXXX Sun - Sat : XXXX XXXX XXXX XXXX XXXX Central Time within 2 days from the date of this message. If we do not hear back from you, we will continue our investigation with the information currently available to us. Questions about your dispute? Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center On XX/XX/XXXX, I replied to this email : Tell me what information/action you need. In an email dated XX/XX/XXXX, you told me XXXX had 30 days to respond. 30 days have not passed. I have seen no credit posted to my Wells Fargo Visa account in the meanwhile. Have you heard from XXXX? Do you want me to send you the emails you sent me? I still have them. XXXX XXXX XX/XX/XXXX, I also called the phone number cited in this email and had a discussion with the dispute department personnel. I was told I needed to do nothing more. On XX/XX/ I received this email from Wells Fargo : We're making progress on your dispute Dispute Number : XXXX Date Posted : XXXX Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Temporary Credit We are currently investigating your dispute. This review could take up to 60 days to complete. In the meantime, weve temporarily credited your account ( this can take 48 hours to show on your account ) for the amount of the disputed transaction. If the merchant agrees that you are owed a refund, the temporary credit becomes permanent, and well close your dispute. If the merchant disagrees with our request, well contact you with more details on what happens next. * A notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. Questions about your dispute? Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A