Date Received: 2023-10-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Job scam and equipment purchase scam that resulted in fraudulent transactions In the amount of {$980.00}. A fraudulent check was deposited. Bank is not holding owner of account responsible for a fraudulent check but a fraudulent Money transfer was sent and bank is holding account owner responsible even though owner was absolved of the fraudulent check issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92501
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: -I went to XXXX on XXXX - the charge was showing pending on my accounts -On XXXX the charge was gone and now showing " Dept Pending Correction '' for the same amount. -Wells Fargo did not notify me that the charge didn't go through and it is still pending. -It seems sketchy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Below is the events that lead to my identity being stolen and XXXX, XXXX, wells fargo, XXXX and the complete lack of attention to my stolen phone and continued the identity theft for days. I went to the XXXX store on XX/XX/XXXX afternoon after calling XXXX to get nowhere to stop thieves from using everything on my phone. I called daily from XX/XX/XXXX when I discovered the fraud and was unable to get one single person to assist me. The answer was consistent from every single person that they could not access my account. I told them my phone was stolen and not only that but the thieves changed my access code they changed everything on every app and every email account and I have and locked me out. On XX/XX/XXXX, I went to the store located in XXXX XXXX and was told they can not change my access password that I needed to contact the call center. Again, on XX/XX/XXXX, I contacted the call center who again told me that they can't do anything, finally I believe on XX/XX/XXXX, I reached a supervisor who told me that the store manager was incorrect and the tech in the store could change my passcode. I have several claims that were opened from XXXX to XXXX. SEVERAL times they texted the stolen phone and emailed after being told over and over and the thieves cancelled these attempts. It took XXXX 5 days to shut down my phone. All of this was logged in by calls, personal attempts at store and banks and several attempts with Pictures of dates of myself and id for XXXX that are still ignored. After I thought XXXX had submitted claims for my stolen phone and several attempts to get a human being at XXXX, unsuccessfully. XXXX negligently refused to assist me for days. Finally, XXXX told me that they were sending text messages to the STOLEN PHONE and the thieves were cancelling the claims. Several times I went around in circles with XXXX with several agents and supervisors. Until Thursday finally got a supervisor who told me the tech at the store should have changed my code. All of this fraud continued to occur due to the lack of knowledge of the call center or the ability to assist me when I repeatedly stated the fraud was still occurring and there are recorded phone calls from me and my family begging for someone to stop the phone. It wasn't until XXXX that the Agent from XXXX finally got a person from XXXX who had to tell the XXXXXXXX agent to blacklist the phone and stop the constant fraud. It wasn't until then that XXXX actually assisted me and to say that the onsite tech at XXXX was able to change my code. The next day I went to store and code was finally changed. This is a complete outrage at the lack of any ability for anyone at XXXX to assist when several times it was stated the urgency of this matter. XXXX, XXXX, wells fargo, XXXX, XXXX and the rest of these corporations do not have their customers safety in mind and call centers are useless with the lack of knowledge. All of my accounts were emptied by the simple fact that XXXX refused for 5 days to assist me to stop this fraud. To date I am still fighting with Wells Fargo for XXXX in fraud, XXXXXXXX XXXX for XXXX in fraud XXXX XXXX for amounts upwards of XXXX of fraud. There is XXXX attempts by these companies to contact me to finalize these matters. XXXX XXXX finally got escalated and got XXXX bank from my business account, however, I am still trying to the fraud on XXXX personal for 2 months. I am more than happy to have an actual conversation with a human being that can deal with this case. To send me this letter and say you investigated and never called me to hear these issues story of the constant hassle I am going through is poor customer service. I will continue to escalate this further until there is satisfaction. I had to get a new phone and I lost my business number now because of the inability for XXXX to stop the fraud. I have lost all my contacts and messages from the stolen phone. XXXX was a Sunday and I thought I lost my phone. My business finances have been seriously impaired and impacted with any ability to work and pay my bills since XX/XX/XXXX and continue to be an issue with all parties. It took Wells Fargo until To date Wells Fargo DOES NOT HANDLE THIS matter at all. The continually make me go to bank and start over and tell me XXXX days. Every month I start over. Today I called and no one has reviewed or done anything. I have faxed, emails, calls and nothing for $ XXXX lost from fraud on my account and now they have closed my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
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: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, My underage daughter had a teen checking account with Wells Fargo Bank. I, her mother, was named on the account as required by the bank. She was involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) that drained/overdrafted her Wells account by about {$3000.00}. We settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged her through XXXX XXXX XXXX and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. We have submitted disputes through XXXX XXXX XXXX and Wells returns to say they will not overturn the flags. XXXX then recommended we we reach out to FTC and CFPB in this matter. All we want to do is get her back on her feet with a bank account ( I can submit another record in her name ) but this affects my record as well so XXXX seeking to get myself cleared as well. We are not dishonest people. We pay our bills and have proven ourselves to be successful and responsible individuals. Some person took advantage of my daughter and our financial health is compromised simply by way of the inability to open a basic bank account. Desperately hoping to find help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
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: Fraud or scam
Subissue:
Consumer Complaint: Purchased {$7500.00} cashier 's check for a company that claimed they were a prominent bank and these funds they were establishing a secure account for me. I purchased the cashier 's check and deposited it in the other customer 's account in order to fund my account and supposedly protect the funds at the bank in question. This all started with my computer being sieged by a company calling themselves as working for XXXX service area. They said they were on line with the bank on a secure line. When they transferred me to supposedly the bankis when I received instructions regarding the cashier 's check and what account to deposit into. Contacted the bank to see why they didn't vet the business customer to ensure that they were in the business that they said they were. Also asked the bank to investigate the type of activity in the business customer 's account as I assumed I was not the only person that had been defrauded in this manner. The bank has contacted me several times and doesn't seem to understand what I am asserting about vetting their business customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22043
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: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, I had a teen checking account with Wells Fargo Bank in XXXX of 2023. I was underage but running my own, successful cottage business ( baking ). I was suddenly involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) where an individual drained/overdrafted my Wells account by about {$3000.00}. My mother was also named on the account since I was underage. After months of deliberation, we settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged me and my mom through Early Warning Services and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. I cant get on my feet without having a basic bank account. We have submitted disputes through Early Warning Services and Wells returns to say they will not overturn the flags. EWS then recommended we reach out to FTC and CFPB in this matter. All I want to do is get back on my feet with a bank account. We are not dishonest people. I pay my bills, work hard and have proven myself to be a successful and responsible individual. Some person took advantage of me and my financial health is compromised simply by way of the inability to open a basic bank account. I am desperately hoping to find help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
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: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: On or about XX/XX/XXXX I submitted a new car loan application for a XXXX XXXX XXXX at XXXX XXXX XXXX. I had already received a preapproval from XXXX XXXXXXXX XXXX with a rate of between XXXX - XXXX percent, Which I told the dealer. The dealer suggested that they could get me a better rate, which they did IF I purchased several aftermarket car detailing products, including ceramic shield for the exterior and " insurance '' for the wheel rims and tires. Purchasing these products reduced my interest rate, but kept my monthly payment almost exactly the same as the higher rate I was presented with when i came in to sign the paperwork. To be clear : the dealer was vague about the actual rate saying only that the rate is less than XXXX XXXX 's highest rate, which is true, but what was not disclosed was that to received the lower rate I had to buy these products. I wrote to wells Fargo to complain that, at the time, as an established customer of more than a decade ( checking, savings, brokerage and credit card accounts ) I was surprised at not only how noncompetitive the rate was for a credit score above XXXX but that I would be required to buy that much dealer products to qualify for what is at best an average rate for my credit score at that time ( XX/XX/XXXX ). I filed a complaint with Wells Fargo in XX/XX/XXXX. The answer was disingenuous at best, saying in part " the rate was competitive based on your credit score. '' The average rate for that credit score in XX/XX/XXXX was about a point lower, especially given I put down approximately {$14000.00} or almost XXXX percent of the purchase price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have contacted wells fargo regarding my credit card not being reported on XX/XX/XXXX. No response, no help, just asked to fax my info to their department. I have contacted XXXX, XXXX and XXXX end of XXXX, then in beginning of XXXX, and none of them were able to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Hello, On the date of XX/XX/2023, I received a call from a XXXX XXXX from XXXX XXXX XXXX. He stated I had a debt that was from an overdraft fee from Wells Fargo from over 10 years ago which is an absolute lie because I closed my account with them with no outstanding balances. Wells Fargo actually sent me a check about a few years ago for unclaimed money that belonged to me. I tried to explain that to him and he eventually became more aggressive after I was telling him that this is an odd claim. He then tried cutting me off saying " Okay, I'll just take this as a refusal to pay '' and hung up on me. I called back to inquire for more information. He picked up surprisingly considering he was quite rude and aggressive. He then tried confirming my personal information that he had of mine and I unwittingly confirmed my social security number which is now giving me XXXX because I'm not sure if he was real or a scammer. He still sounded aggressive with me after I tried disputing the claim and before I could get any more questions in, he hung up on me again. I tried calling back and now he's not answering. Of course, right after the calls, I ended up doing research on these types of situations and come to find out he violated the law with how he conducted himself on the phone and there's other complaints online about this specific XXXX XXXX and XXXX XXXX XXXX. This has now become another unnecessary burden knowing this potential crook has my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We have two deductions taken out of our checking account showing " DEBIT CARD PENDING CORRECTION '', I contacted Wells Fargo and they are aware of the issue but have no idea when it will be corrected, this caused our checking account to go into the negative. Also, I have XXXX deposits/ credits that are not available to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59404
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A