Date Received: 2023-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo has imposed a limit for transfers to outside Bank accounts 2 business days Daily Maximum {$10000.00} 30-Day Maximum {$15000.00} Due to which I am not able to transfer out more than XXXX XXXX per month. Called Wells Fargo how I can get this limit increased - I was told that they won't
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: The school that I used to attend, published a part time job opportunity from home. At first I was notified this was for orphanage and that I would have to purchase items and have them shipped out with the funds I was given. The person that contacted me went with the name of XXXX. After some investigation myself, the number they were using was a different person. They gave me a check of XXXX as well as a mobile check of XXXX to do the tasks as well as money to pay for the job. As soon as I started communicating with the person, they quickly changed the task into sending money instead which was through Bitcoin. I wasn't comfortable with using Bitcoin. They then wanted me to try to send money to people via XXXX which was not working. At that point I started to question myself that is some sort of fraud/scam and that they are committing fraud. They then, decided to do gift cards instead. I was told to purchase a variety of XXXX Gift cards, XXXX, and XXXX ones. I have purchased on XX/XX/XXXX the XXXX in XXXX gift cards that they required ( XXXX x XXXX ), the XXXX XXXX gift card and the last purchase the XXXX XXXX gift card, and one XXXX and one XXXX XXXX gift card. Each XXXX gift card also had a XXXX activation fee which the person agreed to cover the amount out of their pocket. At this point, they started to make me respond to them in an asap timing despite of personal things I had going on. I have sent them the gift card pictures and the receipts as proof of purchase for them. The total amount of gift cards that I have purchased using the funds I received was XXXX. Once I have completed this task, they quickly on XX/XX/XXXX reversed the checks which got returned back to them. This resulted in my own personal money being used for this fraud and scam. Not only did they scam me over XXXX they also did not pay me the XXXX a week as my salary that they claimed in my email. This resulted in my account being negative, as they reversed the checks that I was supposed to buy the gift cards which I did, yet they refused to give me my money back for the amount that I purchased in gift cards. They also kept telling me how this task was urgent and needed to be done asap. After they have done this action, I called my bank Wells Fargo to submit a claim that I was given funds to purchase gift cards, which I did but the person reversed and returned the checks. I did call the bank to submit a claim the same day XX/XX/XXXX this happened and they blocked and froze the checks as fictious. They then took a few days to process. After calling them on the 4th day they declined and closed my claim and told me it was my fault and that I should be careful despite I was being lied and lured into fraudulent purchases and scam. I told them that I wasn't aware this was a scam/fraud as it was approved by the school and was claimed for orphanage. They did not even contact me as they were supposed to. The person is now unreachable and I am not able to receive my personal money back that I had to spend out of my pocket. In the end, the person return and reversed the checks back to them, and stole my money with the gift card purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97060
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Checking account is reported as fraud. XXXX ref # XXXX date XX/XX/XXXX Check Account Abuse Wells Fargo ref # XXXX date XX/XX/XXXX Account Closed - Purged XXXX acct # : XXXX date XX/XX/XXXXXXXX XXXX acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # XXXX date XX/XX/XXXX Account Closed - Not Reason XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXXXXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Two fraudulent charges made on my account on the same day. First was a with-drawl of {$7100.00} from a fraudulent check and another in the amount of {$2500.00} made using a fraudulent E-with-drawl. Wells Fargo reimbursed the first fraudulent transaction but closed the claim on the second stating that I gave permission to with-drawl. I am in the military and at the time of the transaction I was conducting a training rotation in XXXX XXXX, CA. No one else has access to my card, nor have I ever given anyone permission to with-drawl funds from my account. These transactions happening on the same day within hours of each other does not seem to be suspicious to the Wells Fargo Fraud Investigation team and need some help getting my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: Wells Fargo Escalation Department, Still see no refund from unauthorized payments from this company. This company has sent our 45 letters showing " confirmation of single electronic payment '' so they can be refund me cfpb from well fargo departments. This XXXX XXXX, XX/XX/XXXX, I never spoke to on any case # XXXX, XXXX, or a XXXX XXXX XXXX, so many people at this company don't know how help or understand the situation! My bank is getting upset with this companies mistake. So start taking responsibility wells fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I applied for a XXXX XXXX loan modification of loan for a home located in XXXXXXXX XXXX XXXX in XXXX after I transitioned from the military in XXXX and had a hard time keeping up with my mortgage payments. After applying for the loan modification, I was assigned to work with Home Preservation XXXX XXXX XXXX XXXX and later XXXX XXXX XXXX from XXXX XXXX and submitted all of the documents required for my loan modification request each time. Wells Fargo initially stated that my debt-to-income ratio was too high and that they could not modify the loan. Upon denial I noticed that in their breakdown of their explanation that they were not counting all of my income in the debt-to-income ratio calculations. I later filed an appeal to their decision after I submitted all my income for consideration as I had acquired a higher paying job, rental income for the property, court ordered child support and had VA XXXX XXXX XXXX XXXX XXXX however I was still denied. In desperation to lower my debt-to-income ratio that they stated was the issue in order to acquire a loan modification to keep my home. I filed for XXXX XXXX bankruptcy in XXXX to clear my debts. I then went back to Wells Fargo and filed for a loan modification where they stated that I could not qualify for a loan modification due to derogatory or negative items on my credit report. I later got another high paying job that made my debt-to-income ratio better and still could not get approved for a loan modification. I provided all of the documents that Wells Fargo required of me, but Wells Fargo always drafted a false excuse as to why my loan couldnt be approved. In an effort to save my home I reluctantly filed for XXXX XXXX Bankruptcy in XXXX to stop Foreclosure proceedings on my property. This resulted in me having a higher repayment payment due to the past due balance being condensed over 5 years vice loan modifications or workout considerations that should have been offered by Wells Fargo. Due to the extra payments required under the XXXX XXXX I had to sell the property to an investor in XXXX. Due to the Wells Fargo refinance discriminatory practices, I lost out on {$230000.00} in equity and value for what the house is worth today. If I was afforded the opportunity to have had my loan request correctly processed. I bought the house for {$110000.00} and the house is now valued at {$350000.00}. Wells Fargo acted under discriminatory and illegal practices when handling my case while going through its XXXX XXXX XXXX for consideration for a repayment plan, loan modification or partial claim. These acts conducted by Wells Fargo caused significant stress, residual financial implications and limitations due to the bankruptcies being on my credit after trying to protect my home from foreclosure due to my applications and income not being rightfully considered during mediation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: On XX/XX/2023 I called XXXX XXXX and asked they not charge my credit card on the XXXX {$1000.00} ... .they refused .... I then called called the Wells Fargo business credit card department to stop any further charges from XXXX XXXX... XXXX suggested we cancel the credit card that XXXX XXXX was charging and then issue a new business credit card with a new account number... XXXX XXXX was unable to charge the credit card on the XXXX as it had been cancelled... I use a bookeeper that reconciles my checking and credit card accounts but she failed to bring to my attention a charge on the new credit card # XXXX of {$500.00} from XXXX XXXX on XX/XX/2023 and and a charge of {$610.00} from XXXX XXXX on the same new credit card # XXXX on XX/XX/2023 ... XXXX XX/XX/XXXX I contacted the Wells Fargo Fraud department a gave them a full picture of what had happened and suggested that someone inside Wells Fargo must have given out the new credit card #. I was told they would open a fraud situation and that some one would contact me within 2 days ... ..on Friday the XXXX I received a call from XXXX from XXXXhe " Executive Office of Fraud '' Wells Fargo and she was unaware of the facts in this situation ... .she assured me she would be the one to call me back ... XXXX, the XXXX of XXXX, I spent an hour and thirty minutes getting bounced around from department to department and finally to a XXXX in the Fraud office who told me there was no case open on my situation but that she would cancel my current card and open the case on this situation.I asked for a case # and she said she did not have one..she gave me a phone number for the fraud office of ... XXXX for me to contact someone .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with customer service
Subissue:
Consumer Complaint: this Wells Fargo account did a charge off and its on my credit which is wrong not my account my daughter had account there too I paid mine in full off they try to make her account mine she is in bankruptcy XXXX not me and they tied my and my husband name to that account which is wrong I sent them I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: 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 savings 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. This is a trap designed by Wells Fargo, intending to deliberately harm consumers by abusing their position of trust, forcing them into paying exorbitant interest rates. It must be met with severe crackdowns and penalties! The bank 's 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: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A