Date Received: 2023-10-10
Issue: Other service problem
Subissue:
Consumer Complaint: I wired money {$25000.00} to a Company 's business bank account but later found out that the Company ( XXXX XXXX XXXX ) is a fraudulent company. I asked my bank, Wells Fargo to investigate and have that bank ( XXXX ) refund the money to my account. Their investigation concluded that since I authorized the wire transfer, the receiving bank would not return the money and therefore my case was closed. Please investigate and see if there is anything that can be done to retrieve my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21742
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: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO CARD SERVICES XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
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 making or receiving payments
Consumer Complaint: I have insisted that WellFargo keep my personal and small business assets separate for legal purposes, as recommended by my accountant and attorney. WellsFargo has consistently mingled access to those accounts against my expressed wishes. When I attempt to make a personal transaction, they routinely pull up the business and vice versa. This is online and in the branches. I have told them my business debit card should only access my business accounts and vice versa. My personal mobile phone should only access personal accounts automatically, and the same for my business phone. I tried to make multiple payments from my small business account on XXXX XX/XX/2023, but received a message that I had to contact them. After nearly XXXX hour, the only information I could receive was that the number on the account is not valid because it is not a U S based mobile number and not accepting texts. My office number is XXXX and accepts texts. We receive and make multiple text messages daily from that number. No one really knew anything or could help. This was not a problem days ago. If I can not pay my bills, including to WellFargo, I can not operate my business properly. I mentioned to them that larger businesses do not provide the personal mobile contact information to them. This is a problem of their making and needed correction. An LLC is a legal entity that protects the personal assets of the owners, unless they co-mingle assets. WellsFargo forces mixing of these assets to harm the small business owner by forcing the business owner to bypass those protections. If they want me to call in or have some passcode or something that is fine, but to randomly, arbitrarily, and capriciously block my access to my accounts, after 3 years is not tolerable. Had I not been paying weeks early, I could have been forced to default on my rent, business credit cards and lines of credit with suppliers closed, and I would have been forced to default on my line of XXXX with WellsFargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30106
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: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to WF XXXX XXXX, WF XXXX XXXX, XXXX XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX opened Wells Fargo consumer checking account and consumer savings account with a banker ( XXXX XXXX at a Wells Fargo branch. Checking account had a promotion for {$320.00} bonus after direct depositing {$1000.00} in 90 days and savings account had a promotion for {$520.00} bonus after holding a {$25000.00} deposit through first 90 days. XXXX verified my eligibility for both offers. I received savings bonus of {$520.00} with no issues, credited on XXXX I made employer direct deposits of {$250.00} on XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX for the total of {$1200.00} in direct deposits in first 90 days. Per the terms of the offer, I should have gotten the bonus within next 30 days. When no checking bonus was posted by XXXX, I called Wells Fargo at XXXX and spent XXXX minutes on the phone while they troubleshot the issue. Eventually, XXXX told me that her system showed me as ineligible for checking promotion because " Paid a bonus in the last 12 months '' referring to the pay out of the savings bonus on XXXX. I advised XXXX that the terms of the checking promotion listed the following : " You are not eligible for this o! er if : - You are a current owner of a Wells Fargo consumer checking account - You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months - You are a Wells Fargo employee '' Note how first and second bullet refer specifically to existing checking account or a checking account bonus in past 12 months, not a savings account bonus. Per the terms of the promotion, I should be eligible for the {$320.00} bonus. Attached printout of the promo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
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: 2023-10-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/ I received a call from Wells Fargo to advise me of fraud on my account. Come to find out the person was an imposter. They said they were calling because they recived an alert about fraud on my account. They mentioned to be on a recorded line, and wanted to verify some transactions with me. However before proceeding they said they had to make sure it was me. I did not verify any personal information with them. The person sent me text messages and ask that I verify the one time code, which I did. Unfortunately I do not have those text messages as my phone deletes messages after so many days. He proceeded to ask me about transactions from somewhere in Texas which I declined that I did not do. I do have my call log still which I will be sending. Next after confirming the so called charges, the guy asked me about a Recipient for XXXX and I told the guy then I don't t know the person and he said he would remove it dor me and put in a dispute. Then he mention that he will be shutting down my debit card and sending a new one. Next he tells me about another transaction for a wire transfer and I'm like wait a minute hold up that's not me. I try logging into my account but couldn't get in. He said he was going to escalate and put in a ticket to stop the transfer. I was on the phone for over an hour with this person thinking they were helping me to protect my account. He gave me a temporary password to get back into my account because I was unable to log in while on the phone with them. Then when I logged in that's went I saw the {$3900.00} wire transfer to some company I dont know. I asked if I can go ahead and change the password the person told me no and to wait 24 hrs. That's when I got to thinking why would a banker tell me that I can't update the temporary password. So I changed it any way Hung up on them and called The real Wells Fargo to report what just happened immediately. I'm disappointed that Wells Fargo would say in your letter " Our research shows the transactions were made through a secure online banking session. By you or someone who had your authority and that No other processing errors occurred based on this information we determined the transactions were authorized. That statement is not true. I feel that you all did NOT research my account correctly. I've been with you all for 10 yrs not to mention I was with yall when yall was Wachovia. I don't use my savings to send any XXXX that should been a red flag if you researched my account. I also I don't use your wire services either with the exception of 1 time to pay my Rent to XXXX XXXX that went to a XXXXXXXX XXXX in XXXX in the amount of {$1300.00} only because I was ill and could not make it into the branch to get the cashier 's check that I get every 15th of the month. I also like to mention that my account was not accurately reviewed, all my XXXX contact recipients are phone numbers not email addresses with the exception of 1 which was back in XXXX to company called XXXXXXXX XXXX to order a cake. This is a major inconvenience that was my income tax money that I finally received was taken out of my account with out my authorization. Those funds were part of my savings to buy a house.I had to close all my accounts including my kids accounts. I also filed a report for identity theft. I hope that my case will be FULLY reviewed and my funds returned back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: To whom this may concern I'd like to say that I'm very disappointed with Wells Fargo and how my fraud claim was handled. I received the letter in the mail in regards to the outcome. On XX/XX/2023 I received a call from Wells Fargo to advise me of fraud on my account. Come to find out the person was an imposter. They said they were calling because they recived an alert about fraud on my account. They mentioned to be on a recorded line, and wanted to verify some transactions with me. However before proceeding they said they had to make sure it was me. I did not verify any personal information with them. The person sent me text messages and ask that I verify the one time code, which I did. Unfortunately I do not have those text messages as my phone deletes messages after so many days. He proceeded to ask me about transactions from somewhere in Texas which I declined that I did not do. I do have my call log still which I will be sending. Next after confirming the so called charges, the guy asked me about a Recipient for XXXX and I told the guy then I don't t know the person and he said he would remove it dor me and put in a dispute. Then he mention that he will be shutting down my debit card and sending a new one. Next he tells me about another transaction for a wire transfer and I'm like wait a minute hold up that's not me. I try logging into my account but couldn't get in. He said he was going to escalate and put in a ticket to stop the transfer. I was on the phone for over an hour with this person thinking they were helping me to protect my account. He gave me a temporary password to get back into my account because I was unable to log in while on the phone with them. Then when I logged in that's went I saw the {$3900.00} wire transfer to some company I dont know. I asked if I can go ahead and change the password the person told me no and to wait 24 hrs. That's when I got to thinking why would a banker tell me that I can't update the temporary password. So I changed it any way Hung up on them and called The real Wells Fargo to report what just happened immediately. I'm disappointed that Wells Fargo would say in your letter " Our research shows the transactions were made through a secure online banking session. By you or someone who had your authority and that No other processing errors occurred based on this information we determined the transactions were authorized. That statement is not true. I feel that they did NOT research my account correctly. I've been with you all for 10 yrs not to mention I was with yall when yall was XXXX. I don't use my savings to send any XXXX that should been a red flag if you researched my account. I also I don't use your wire services either with the exception of 1 time to pay my Rent to XXXX XXXX that went to a XXXX XXXXXXXX in XXXX in the amount of {$1300.00} only because I was ill and could not make it into the branch to get the cashier 's check that I get every XXXX of the month. I also like to mention that my account was not accurately reviewed, all my XXXX contact recipients are phone numbers not email addresses with the exception of 1 which was back in XXXX to company called XXXXXXXX XXXX to order a cake. This is a major inconvenience that was my income tax money that I finally received was taken out of my account with out my authorization. Those funds were part of my savings to buy a house.I had to close all my accounts including my kids accounts. I also filed a report for identity theft. I hope that my case will be FULLY reviewed and my funds returned back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
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: This is the third request. Claim # XXXX. This should have been one claim with Wells Fargo, not two. This claim was made once my old card was declined, and I received a notification that my new card had been activated. I NEVER RECIEVED MY NEW CARD. Wells Fargo has said that I'm lying and technically committing fraud stating that the {$2500.00} dollar withdrawal or bank transfer or bank transaction was completed by me or someone I authorized to use my account. Which is all not true. The details to this transaction I don't feel have been properly investigated. The first half of my claim ( which Wells Fargo separated on their own # XXXX in the amount of {$1200.00} ) was returned to me. I did not file two separate claims. These transactions happened on the same day and apparently with the same card which i was not in position of. The replacement card that I did not activate and was not in possession of. But yet they have sufficient evidence to overturn those transactions. The investigation was not completed, or the investigator is limited. She did not have the answers when she called either. This is my original complaint that they closed. Replacement card was ordered. Never received it. Old card was declined ( XXXX XXXX ) while trying to buy lunch. prompt me to check my checking account. That is when I saw an atm withdrawal, of {$1000.00} then a, " In branch '' withdrawl of {$2500.00}, a restaurant charge of {$50.00}, and a motel room charge. Called Wells Fargo to report the transaction and to advise them I did receive the replacement card, I only was in position of the original card that I was requesting to replace. They then closed account and reopened a new one and said they would investigate it. I received two separate letters dated 3 days after the claim was filed, that the claim was denied because someone I knew, or I performed this transaction with use of a pin number. I have reached out to escalate the matter. i was told an investigator would contact me in two days. This has not happened. I was told the XXXX dollar was an ACH withdrawal. we asked what that meant, and she couldn't really explain. We have filed a police report with our local pd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93313
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: Funds not handled or disbursed as instructed
Consumer Complaint: I was suppose to receive {$300.00} bonus offer once I signed up, qualify for it.i did everything I'm suppose to, met all requirements but no payment was given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A