Date Received: 2024-02-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've explained what happened numerous times, so I'm obviously frustrated with not getting all my money back yet. They did send a check for XXXX XXXX. But XXXX XXXX was stolen, XXXX from my checking + XXXX from my savings. And it seems they keep making excuses about why or what this & that etc etc more bs. I've got a few letters from them I could've attached to this with some of their excuses but whatever. Anyway, it really sucks that they haven't paid me back the XXXX so far. But I'm not gon na stop bugging them until hopefully they do pay it back. Because it's the right thing to do. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've been wrongly charged multiple times by XXXX XXXX, even when I didn't have sufficient funds in my account. Despite reporting this issue to Wells Fargo, my bank denied my claim. These charges were unauthorized, and I've reached out to XXXX XXXXXXXX XXXX customer service via email but received no response. It's worth noting that I only used their services once and did not sign up for any recurring subscriptions. These charges have depleted all my funds, and I'm in urgent need of resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a purchase on XX/XX/24 with XXXX XXXX XXXX XXXX in the amount of {$5000.00} USD. I did not receive the service I paid for. After several unsuccessful attempts to reach the merchant about the issue, I resorted to filing a dispute with Wells Fargo. On XX/XX/24, I filed a debit charge dispute with Wells Fargo with the reasoning that I did not receive goods/service. I called today on XX/XX/24 and spoke to Wells Fargo rep XXXX who advised me that Wells Fargo is not obligated to investigate this claim as I authorized the charge on my account. She refused to help me any further. This makes no sense to me because I never disputed the charge under the pretense of unauthorized use, but rather clearly stated I did not receive what I paid for. The merchant is entirely unresponsive and I am requesting assistance with a fair claim investigation so that I may rightfully recover my funds. Wells Fargo Claim Number XXXX Checking Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I was a Wells Fargo customer and had a mortgage and auto loan account between XXXX and XXXX, and qualify qualify for damages as harmed by illegal activity, and a wrongful foreclosure. I have reached out to Wells Fargo and they day they have no record of my mortgage, however I spent close to seven years fighting them on a wrongful foreclosure in the state of Florida until XXXX. I ultimately lost my home and XXXX XXXX XXXX of dollars, in addition to having to pay triple the normal interest rate on car loans and a future mortgage. Please help! I have attached 1 ) the letter that says they have no record of the account 2 ) payment history ( see page 3 for Wells Fargo ), and 3 ) response to summons for foreclosure action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an email that I was charged for an amount from a checking account with an enclosed invoice. So I called the number provided in the invoice., complained and was told that I will be refunded the money. I was told to login to the bank where the money is going to be refunded. I did and there's some waiting. Finally, a XXXX was transferred to the account. Because the amount is supposed to be XXXX, te person I> spoke too demanded a refund for the rest of the money. He gave me an address to refund the money using wire transfer which I did. However, when I check my email and found that XXXX was transferred from my savings to my business checking account. At XXXX, I called the bank and told them that someone was able to get in my account ( secured ) and transferred the funds without my approval. The bank froze my online account and reestablished with new credentials, I was told to go to the bank the following day talked to a banker and replaced my business account with a new account number. See enclosed all documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, i received a phone call from a man at Wells Fargo 's Fraud department asking if i had sent 2 wire transfers. One withdrawal of XXXX and another of XXXX. I had said absolutely not. I had felt very suspicious of this phone call so i proceeded to drive to the closest Wells Fargo bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inside I spoke with a woman asking if this number was legit. She looked at my phone and said yes that was wells Fargo 's fraud department number. Shortly After my Account was frozen with no further access to it by me. The balance was left of roughly XXXX dollars. I immediately called the number on the back of my debit card and was told i could not get help over the phone i had Togo into a branch for assistance. I then proceeded to another wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for help. When talking to a teller and explaining what had just happened, I asked for help and he told me all bank officials are busy, handed me a business card and told me i need to make an appointment. Now onto the next Branch, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX where finally a gentleman helped me by the name of XXXX XXXX He helped me get access to my account and was finally able to put in a fraud claim. It took me over 2 hours before i could get someone at wells Fargo to help me. XXXX was the only person that took the time to help me. After I was denied getting my money back I went into the first branch where the woman looked at my phone indicating that was the fraud department, asking to get camera footage and even put in a complaint with XXXX XXXX against that branch. they denied me again and told me they dont look at camera footage like that and they asked all their employees if they spoke with me and they said no. I filed 3 claims and every claim was denied we even reached out to higher officials in The Fraud Department about what had happened at the first branch and no one would help us. Countless phone calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: My loan originated in XXXX of XXXX with World Savings Bank. World was bought out by XXXX, who was then bought out by Wells Fargo. Prior to the loan transfer, my XXXX statement disclosed a pay off date of XXXX XXXX This loan is a bi-weekly ARM, based on the Cost of Savings index. At origination, the interest rate was nearly 7 %. Since interest rates have not trended above 7 % since origination, and we continued to make timely mortgage payments, we assumed a loan payoff date of XXXX XXXX Over the last 1.5 years, we saw subtle changes in the 'payment due ' area of our mortgage statements. Long story short, I contacted Wells to determine when the loan would be paid off. Our mortgage statement reflected a XXXX maturity year, exactly 30 years. I explained that as a former loan originator, I knew exactly what the benefits of the loan program were and how payments would be applied -- payments would be applied to principal every 14 days, which would shave 6-7 years off of the loan term. WF essentially said there was no way they could truly provide an amortization schedule based on an ARM. If the former lender ( World Savings ) provided one, why can't WF? I escalated my complaint to the Illinois Attorney General 's office. They were not able to do anything, except facilitate communication between myself and WF. My goal is twofold : 1. To determine if other WF borrowers with bi-weekly mortgages face the same challenge? 2. To reflect the mortgage as paid in full. If you have any questions, feel free to contact me at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio. Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account. As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means. Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA . 2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds. 3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information. I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells fargo completely refuses to give me money back my entire phone an account was hacked someone else put bad checks in my account while my phone and account were hacked which was out of my control an I was punished by having all my money took I demand my money back I will not stop filing complaints until my funds are returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Wells Fargo stated that they were unable to fulfill the request to include the four-digit zip code for creditors with po box addresses. The United States Postal Service mandates this information for accurate and prompt mail delivery, particularly for bill payments. I am now faced with the options of either writing checks and mailing payments to my creditors or authorizing direct fund withdrawals from my account. Neither of these options align with my preferred method, as I have historically managed my accounts by utilizing online bill payments through my checking account. This situation necessitates that I either incur extra expenses for stamps and envelopes to mail my payments or opt to allow direct access to my account for bill payments, both of which are not in line with my preferred method of managing my accounts through online bill payments via my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A