Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called the Wells Fargo XXXX customer sevice number this am to check on my latest debit card withdrawal because it was not showing up online or in the automated system. The customer service representative told me my checking account had been overdrawn by {$700.00} dollars. This is a lie. She said I could talk to her supervisor., but it's on record and there is nothing I can do about it.Again, This is a lie even though it is on record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
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: I always keep my funds in my savings, n transfer when I'm ready to spend or pay a bill. I recheck to see if the funds were actually gone from my checking so I know my purchase or bill was payed. Every now and then for the last couple years I have noticed negative charges in my checking account, and the Representatives At Wells Fargo that I have spoken with told me that it was a pending transactions, when the funds were no longer there to see in my mobile app. To avoid XXXX dollar fees per transaction I put my funds over to cover charges I never Made. Some charges were over {$100.00}. I am told to gather information myself. It happened too many times to remember specific dates. I informed them today as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 319XX
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I started the dispute for the plane tickets with my credit card company ( Wells Fargo ). The issue was that due to unforeseen circumstances I got to the airport late but before the plane took off. There was nobody from the airline to help ( I also called the office but was not able to get through ). Finally, when I was able to talk to someone from the airline, I was told that they couldn't do anything, which I found out later was a like. The tickets could have been booked prior to the takeoff ( for a fee, which I would be happy to pay ). Not only Wells Fargo kept jerking me around ( kept saying they couldn't help, then started the dispute, then contacted me to say that they would close it, then had me fill out documents- going back and forth ( from XXXX XXXX. They also issued me a credit, but they did not say it was a temporary credit till later ( about a month later ). I find this process very confusing and dishonest - providing credit and then saying that it was a " temporary credit ''. I feel that this practice is tricking people to believe that they can get their money back and spend the money that they don't actually have. Now I have to pay again for something that was paid months ago, and I did not budget for at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine this is the second time and Wells Fargo is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody too. My authorize user didnt never not use no card because I didnt even give it to he.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my phone and card was lost and a total of {$230.00} was charged to my card. Wells Fargo denied my claim because whomever stole my info replied Y to the fraud text. I told my bank my phone was stolen as well and no action to help me was taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ON XX/XX/2023 I SENT WELLS FARGO AUGTO AN AFFIDAVIT OF DENIAL TO WELLS FARGO IN REGARDS TO A " LOAN '' THAT DOES NOT BELONG TO ME. I REQUESTED AN AUDIT TRAIL OF ALL ACCOUNTING OF ORIGINATION OF UNLAWFUL MONEY THAT WAS ALLEGEDLY GIVEN AND AN AUTHENTICATED VERIFIABLE CONTRACT BEARING MY WET SIGNATURE. THEN ON XX/XX/2023 I SENT THEM A NOTICE OF DEFAULT WITH AN OPPORTUNITY TO CURE BUT THEY FAILED TO RESPOND AND CURE. I DEMAND A LIEN RELEASE AND WILL SUBMIT WELLS FARGO TO THE IRS FOR SUSPICION OF FRAUD IN ADDITION TO NOT BEING HOLDER IN DUE COURSE OF THE NOTE. THEY ARE TRYING TO COERCE ME AND EXTORT ME IN EXTENSION OF CREDIT AND THE CEO SHOULD BE JAILED FOR VIOLATING MY RIGHTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. The banks insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bank at Wells Fargo. My debit card and phone were stolen on XX/XX/23. I filed a debit card fraud claim ( Claim ID : XXXX ) on XX/XX/23, for unauthorized charges due to a stolen debit card. During the about XXXX hour time frame I was not aware I didn't have my card, XXXX attempted unauthorized transactions occurred and resulted in the loss of {$4800.00} from my checking account. I thought I had only lost my phone at first, but when I realized my card was gone as well I immediately called Wells Fargo customer service on my mother 's phone to cancel my debit card. I also filed a police report with XXXX XXXX Police Department which I will attach to this complaint. I will also attach my bank statement for the unauthorized transactions. I also changed my login credentials XX/XX/23. I was told the claim would take up to XXXX business days. I had to call Wells Fargo today ( XX/XX/23 ) to find out my claim was denied on XX/XX/23 and that {$1000.00} of the money I lost was not even included in the original claim because it was online transactions. None of the Wells Fargo staff I spoke to on XX/XX/23 thought to create a separate claim for the online transactions. One of the people I spoke to today ( XX/XX/23 ) had to create a separate online fraud claim ( Claim ID : XXXX ). Another XXXX business days for a claim that will probably be denied like my last last one. Another issue is that the amount the claims specialists told me I lost is not reflected correctly in my statement. The exact amount that I'm reporting was given to me by the claims specialists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is showing as negative/late payments. The XXXX XXXX Credit Card account has been paid for and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A