Date Received: 2023-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/2023, someone by the name of XXXX XXXX added themselves as a zelle recepient without my knowledge and used my Wells Fargo zelle service and withdrew the amount of XXXX dollars out of my well fargo account and sent it to theirs. Once this transaction was made, I was contacted immediately by the wells fargo 's fraud detection department. There were also addresses that aren't mine added to my account and some of my wells fargo bank related mail were being sent to those as well. The agent asked if this was an authorized transaction, and I said no and he told me that he would cancel this transaction and send me a link to update my id and password. None of these ended up happening and the transactions were eventaully confirmed. So I contacted wells fargo to submit a fraud claim for this transaction and they also helped me close my current account and create a new one. Within 10 days, I was notified from wells fargo that they deemed this transaction authorized by myself and will not be taking any action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have disputed fraudulent charges made on my account on XX/XX/XXXX after I noticed the fraudulent charges that took place on XX/XX/XXXX. I told the Wells Fargo Claim representative VERY CLEARLY, that my phone and wallet were both stolen while I was out, my email was also hijacked hence why the email on the account has now been changed. My number was retrieved but my phone and wallet are still stolen. Wells Fargo denied my initial dispute claiming that these charges were not fraudulent and I in fact made the charges a few days later. I then went to the CFPB to receive my funds back. I received a letter from Wells Fargo stating " Claim XXXX was filed when we were informed that multiple unauthorized transactions posted to your account. Our claims department reviewed this matter and found the transactions were performed by you or someone with your authorization. Consequently, your claim was closed on XX/XX/XXXX. We have reviewed your claim information and we agree with the decision previously communicated by our claims department. There were multiple successful logins to your Online Banking session during the timeframe of the disputed transactions were performed indicating you were aware of the transactions posting to your account. Additionally, some of the disputed transactions were verified via email. Based on the above information, we are unable to pay your claim. While we realize the information provided may not alleviate your frustrations, we hope this letter serves to clarify Wells Fargos action about this matter. '' As I stated initially to the Wells Fargo Claim department when disputing the transactions as fraud, MY PHONE and wallet were stolen. The person who stole these items most likely used my phone and was able to access my email and all my bank accounts from the mobile apps. The response I received from XXXX at Wells Fargo is inaccurate and Wells Fargo completely disregarded what I initially told them over the phone when disputing my transactions. This will be the last attempt I try to retrieve my stolen funds before hiring an attorney. Wells Fargo states that we as the customers are " NOT LIABLE FOR FRAUDULENT TRANSACTIONS '' although it seems very clear that I am in fact liable for fraudulent transactions as Wells Fargo is insisting to make me liable for this entire claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Our online account was hacked and they wiped out our checking and savings accounts- {$160000.00}. Since it was wire transfers and I had to give them a code, Wells Fargo closed the case and will not give us back anything. It started by hacking Wells Fargo and getting in our and knowing all our information. They went through transactions because they were in my account, they called from Wells Fargo numbers, they sent text like Wells Fargo. This has been a HUGE life changing loss and Im looking for anyone to help. I was in a Wells Fargo branch Worthing 45 minutes of 2 of the transfers and they couldnt figure out how to login and stop the transfers. They did not communicate during the process and basically told us tough luck. Its been a horrible experience and Im looking to see if anyone can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: There was a promotional offer with this bank issued the store credit card to pay the full amount within one year to avoid getting interest charges. This offer ends on XX/XX/23 I was traveling overseas and as soon I got back I gave the bank a call on the XXXX to process the payment and waive the interest charges in the amount of {$500.00} XXXX which the bank represented agreed to do if the payment is received in full before the charged interests. I could not process the payment on my end since I did not get the correct amount balance prior the charges so I called the bank on Tuesday however the department responsible for processing the payments was closed for the day. Called again today XX/XX/XXXX to process the payment before the interest charges have which I did pay {$730.00} however the bank representative did not honor the interest charges waive agreement and did not even accept to calculate the days I was late to make a payment after the offer expires so I can get only charged for those days not the entire month. Please review and your feedback is highly appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/2022 I bought a used XXXX thru XXXX XXXX, financed by XXXX XXXX XXXX. I have a hard pull showing for this purchase on the same date by Wells Fargo Dealers. When I reached out to XXXX they said that I need to speak with Wells fargo dealers, and they will remove it, in accordance with the FCRA rules on rate shopping for auto loans. I spoke to three different people at wells fargo who all transferred me to someone else. The last gentleman I spoke with gave me a fax number and said that there was no way for Wells Fargo could remove this hard credit check ( violating the FCRA guidelines on rate shopping for auto loans ). Please remove this incorrect hard credit check from my report. It has already caused financial damage to me as I was denied by XXXX for a XXXX XXXX XXXX this year due to too many hard credit checks. I will be consulting a lawyer, as this issue has drawn out and produced nothing productive from either Wells Fargo or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Wells Fargo claims i missed a payment in XX/XX/2020. They then proceeded to charge me late fees for 3 years because they counted the payments I was making at a month late instead of contacting me about the missed payment. They claimed to have called me, and provided me with a phone record. The phone number listed on the log is the company I am employed at. The team that answers the phone calls is under my supervision. No one at my work received a call looking for me. Not only am I on the company directory where they could have reached me, but the phone rings at my desk when an outside call is made. The only conclusion I can come up with is that because they did not ring through to the operator nor did they try contacting me on the phone tree. I was at work for nearly all of the times listed answering the phone at the number provided. If they would have asked if I was available to anyone at the company, I could have been reached. They also said that they were not authorized to call my cell phone despite it being listed as my home phone on the loan application ( which I am providing. ) They could not provide me with information telling me how I could have known or authorized the number that I put on my loan application. They provided this as evidence that I was contacted. I can not understand how the number I put on the loan application was not authorized to receive calls about that loan or how I could have been expected to know that it was not authorized. They were able to contact me through the postal system to let me know if a payment was short, but did not send me late notifications by mail. Because I was getting notifications when my payments were short, I believed I was caught up when I resolved these payments. The can and have contacted me in the mail. I did not receive any postal mail stating I was late in the entire 3 years they were charging me fees. Claiming that they did due diligence by trying to contact me only to tell me that they are not authorized to call me at the number on the loan application is not contact nor is it due diligence. Telling me that I was contacted by phone when I was not contacted by phone is a lie. Dialing and not talking to someone is also not contact. Would they do this on a home phone if my daughter picked up? State that they are not authorized to talk instead of asking if I was available so that was contact? What makes me most upset is that they have claimed to call when I received no call. I feel completely blind-sided by this and feel like the company has done nothing to lead me to believe that they didn't want this outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: I purchased a software on XX/XX/2023. I have been trying to get this software to work properly for almost 2 months now and it has been a glitchy and buggy experience for the entire time. There will be times when the software works properly, but most times I am experiencing slow or delayed loading times, connectivity issues, or the software closing at random times. I have tried to perform troubleshooting provided by the seller of the software but it hasn't resulted in any major improvements. Overall, this software purchase has been a source of significant frustration and disappointment. It has not met the expectations I had for it and I am left with a product that is both unusable and a financial burden. I have opened a dispute with Wells Fargo today, XX/XX/2023, but I wanted to post here as well as I have seen online that Wells Fargo may be difficult to work with or have very long response times. Please help me with this charge as I just want to be done with this entire process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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 never in Forbearance or deferment with Wells Fargo in XXXX or XXXX. The company sent me a copy of 1 page that they said I signed. I did not sign this form. During all this time, in XXXX, they never contacted me. They did not send me any copies of letters that informed me I was in forbearance. They did not send me any notes or documented any phone calls between them and me.. They did not send me any letters that informed me of a forbearance for XXXX. I never received any snail mail, email, phone calls, text messages or any information that I was ever delinquent. I only learned about this from a letter I received from HUD this year, XXXX. I questioned it immediately to HUD. They referred me to Wells Fargo. This information needs to be removed from Wells Fargo immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by wells fargo according to 15 USC 1681s-2 ( f ) I am demanding wells fargo remove any late payment received during the covered period with proof of removal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2023 Wells Fargo own Transaction record clearly showed that {$4500.00} disappeared from my checking account without any knowledge or approval. The missing money was paid to another person account under " XXXX XXXX '' Wells Fargo blamed me for the origination of the " Bill Pay '' ( see attached Wells Fargo finding ). While Wells Fargo transactionrecord clearly showed 1. XXXX XXXX initiated the funds transfer on another computer ( Wells Fargo own reference number XXXX ) This clear evidence refutes Wells Fargo claim this originated from my account which is farcical at best. 2. No bill payee detailed on my account under " XXXX XXXX '' was ever established from my account. This clearly refutes Wells Fargo blame and assessment this originates from my own account. I strongly believe this accounting error originated from Wells Fargo. Wells Fargo later than redacted this same transactional record from my access ( point 1 ). Not before me capturing the details. Further avoided any reference to these facts. I believe these irregularities ( theft ) is further exacerbated by Wells Fargo own finding which blames me for these missing funds. As I've shown these details to Wells Fargo, they have clearly ignored any evidence of findings submitted ( submitted here again ). This is clearly theft by an internal employee or an accounting error, which Wells Fargo refuses to research and follow any leads on. What I would expect from banking fudiciary responsibility that is clearly owed to a 40 year account owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A