Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
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: Overdrafts and overdraft fees
Consumer Complaint: Welsfargo has charge multiple overdraft fees sometimes even 2 to 3 times for the same item. Just recently XX/XX/XXXX they charged me XXXX twice for the same transaction. I wish I could remember more dates. But its been super inconvenient and hard to recover financially when you constantly getting overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Two credit card transactions made on or about XX/XX/2023. Card issued from Wells Fargo. Transaction amounts XXXX XXXX Then on XX/XX/XXXX I paid off both transactions through my Wells Fargo savings account. These transaction as can be proven were to satisfy a loan made out XXXX XXXX XXXX this info was also reflected when card transactions were made. Wells Fargo is claiming it was an on line gambling transaction is is the furthered from the truth. They do want to pay out because of the amount that will have to be paid is over XXXX XXXX dollars on the cash back rewards program. This prob can be filed under counsel for breach of contract. I have reached out on at least 5 different attempts to get resolve on this issue and have been lied to on all. First told it was a glitch in the system and the money would be paid and now told I missed the cards. Again the financial institution is WELLS FARGO. I am prepared to move forward with a law suit if deemed necessary for breach however Id much rather see this handled through this institute. Thank you for your help in getting resolution in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29420
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had flooring installed with XXXX, and I agreed to finance the flooring through Wells Fargo since they were advertising a " 24 Month No Interest '' promotion. Everything was good until 12 months after the flooring was installed, when I was suddenly charged interest on the full purchase amount of the flooring, over {$1000.00}. Needless to say I was surprised to see this charge. I contacted Wells Fargo about this immediately, and they said that it was actually a 12 month promotion and that I was mistaken, BUT they would waive roughly {$400.00} of the interest ( 15 % of it ) on the condition that I paid the entire balance on the phone immediately. They would not let me think about the offer and call back- it had to be right then and there, or no deal. I reluctantly agreed to do this, and submitted a payment for the entire balance of the account just to handle it and move on. After a handful of weeks I realized Wells Fargo had not taken funds for the balance of the account that I paid off, so I contacted them immediately. I confirmed with them that the payment information was accurate, and I had ample funds to pay for it, but they did not process the payment. The representative informed me that it was my fault that the charge didn't go through ( it wasn't ), and because I hadn't noticed within 72 hours, they were not going to honor the original agreement and I was going to be charged the full amount of interest. All of this feels like extortion - I don't think I should have to pay the interest at all since it should be a 24 month interest-free contract, not 12, and I've never missed or been late for an appointment at all. Even then, I still acted in good faith and tried to pay the account off in full, but the representative made a mistake, blamed it on me, and refused to honor the agreement we had the first time I called. This is all super frustrating and I've never been treated worse by a company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44708
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On an attempt to balance my account I notice some unauthorized transactions and I've reported them however I'm very much disappointed with Well 's Fargo to have let this happen especially from merchant I've never done businesses with. Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
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, my Wells Fargo credit card information for my account ending in XXXX was stolen. I have no idea how this information was obtained. They then made the following unauthorized, fraudulent, purchases : XX/XX/2023 {$7400.00} XXXX XXXX XXXX XXXX XXXX, CA XX/XX/2023 {$200.00} XXXX [ store number XXXX ] XXXX, CA XX/XX/2023 {$50.00} XXXX [ store number XXXX ] XXXX, CA XX/XX/2023 {$100.00} XXXX [ XXXX ] XXXX, CA XX/XX/2023 {$71.00} XXXX [ XXXX ] XXXX, CA I was unaware of these charges until I checked my balance online and was shocked to see a balance of over {$8000.00} instead of the much lower balance I was expecting to see. I contacted Wells Fargo, gave them the all the information they requested, and after much assurance from their representative I assumed they would remove the fraudulent charges. They did not. For a short time the fraudulent charges were removed, I do not know the reason. On XX/XX/2023 I received my credit card statement in the mail only to discover that the fraudulent charges had been reinstated. I contacted Wells Fargo again and was told my information wasn't stolen since I had used the card after the fraudulent charges were made. Since I never claimed to have lost the physical credit card I did not understand this line of reasoning. On XX/XX/XXXX & XXXX, XXXX, I reported the fraudulent charges and stolen credit card information to the local police and credit card rating bureaus. On XX/XX/2023, I filed an FTC identity theft report number ( XXXX ). I also appealed the Wells Fargo decision, providing them with copies of the above referenced reports on XX/XX/2023 via a fax number provided to me by an employee in the fraud appeal department. Again, I waited. On XX/XX/2023, Wells Fargo made their decision I must have authorized the charges I reported as fraudulent. In essence, they told me I had filed false reports with the police, credit bureaus, and the FTC. I am well aware that filing false reports is illegal and this is something I would never do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Wells Fargo credit card was charged {$1500.00} on XX/XX/2023 for XXXX Web services. I was initially contacted by the company via text message for possible fraud. I initially did not respond because I thought this may have been a phishing attempt, but when I noticed the charge on my statement I immediately contacted the company, perhaps only a day later and initiated a fraud claim. They issued me a new credit card, however, the charge was posted to my new credit card and I never received a credit for the amount that was fraudulently charged to me that I had paid when I paid off the balance on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a new issue with Wells Fargo Bank. A refund ( {$210.00} ) from XXXX XXXX has disappeared from my account. The phone banker ( XXXX ) said, " They are aware of the problem, and it would be resolved today '' ... that was at XXXXXXXX XXXX. It is now XXXX XXXX and the funds have not been returned to my account. The phone banker also blamed XXXX and the merchant ( XXXX XXXX ), not the WF system. In XXXX days, {$710.00} have disappeared from my checking account, and no one at WF can fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A