Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo is denying my disputes. My card was stolen and used for over {$8000.00}. I tried to handle this with the bank with no help from their end.
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: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Wells Fargo Bank purchased Wachovia Bank. Wachovia Bank, had been taking all my payments on a truck I had bought and financed with another company Wachovia had purchased. Wachovia Bank took all my payments, but I have no idea where my payments went to. Wells Fargo Bank purchased Wachovia, but Wells Fargo Bank never gave me any kind of " notice '' that they purchased the Bank that had my account, the " notice '' is required from the purchaser of a bank that has an account with a consumer that will be affected by the " Material Change of the new purchaser of the consumer 's account holder the purchased Bank, the notice required by 12 USC 45a and said law also requires " contact information '' from the purchaser of the bank must be included in the required notice also to the consumer, Where is that " notice ''???????????? ... ... ... ... ... ... ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX is calling, emailing and sending me letters in the mail stating that I owe Wells Fargo a debit of {$2000.00}. I have ask repeatedly for proof of the debt. They can not provide. I have since called Wells Fargo and asked them to confirm that I owe this debt. Wells Fargo confirmed that I do not owe this debt and told me to turn this company in for scamming/fraud. I have called XXXX and emailed XXXX XXXX XXXX at XXXX. When I ask the rep to provide me with proof that I owe this debt, they ignore my request and ask how I want to pay. They will get very angry if you ask any questions. They will threaten to turn you in to XXXX and garnish your wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: Hello! Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My bank ( Wells Fargo ) issued me a credit card without an application or getting my consent. I was unaware that they opened a credit card in my name. Then they applied charges to this credit card that they opened. Then charged me late fees and interest on a credit card that I did not open. I then started to get notices about payments for a credit card. I thought it was spam so I ignored them. Then I decided to call Wells Fargo to confirm since the texts were getting daily and I got my first letter. This is when I was alerted to the existence of the credit card. I called to tell them that the charges were fraudulent as they were never authorized by me and I never applied for the credit card. I asked them to close the account and then they proceeded to open a new credit card account in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: My fianc and I are set to close on our first home on XXXX, and we are stuck in an urgent situation with our Wells Fargo mortgage. We are reaching out in the hope that you can help us, because the Wells team we're working with are not able to. Here is the story : 1. We transferred $ XXXX of assets for the Relationship Discount 2. A Wells Fargo employee issued incorrect contracts ( the interest was calculated without the Relationship Discount ) 3. XXXX XXXX sent those incorrect contracts to my fianc to sign 4. My fianc signed those documents on the understanding that they were the correct documents 5. I have not yet signed the documents Our mortgage broker has advised that Wells Fargo is reneging on the relationship discount completely. Wells Fargo is taking the completely illogical position that because one party has signed the agreement, the only way to change it is to cancel the transaction and start again. At $ XXXX over the 30 year, that would cost us {$140000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: hello Wells Fargo is charging a NFS fee for an over payment. The company allowed the payment to go through and I asked not to do that, if not finds are in the account please decline the charge. Plus the company said if a direct deposit is coming into the account no overdraft fees will go on to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/ I received an email from Wells Fargo welcoming me ( with my maiden name which hadn't been used in 7 years ) to online banking. I then received multiple emails telling me how to make payments, how to fund the account, that the account had dropped to zero. When I called customer service- one they did not believe me that I did not make an account. But then I had to fight to prove to them I never made the account. On XX/XX/ I received an email reading " URGENT : ADD MONEY TO YOUR NEW ACCOUNT '' After receiving an email about them closing the account. On XXXX I was sent an email about 'discovering the online banking world : On XXXX I received another email about getting a one time offer, and on XXXX I got a solicitation email. I never got a final email stating they had closed the account ( only that it was " Expected to close ''. I have since had to put a freeze on my credit because of Wells Fargo poor practices. I have a right to know if someone was in person and created the account, online, I have a right to know what " MY '' signature looked like. I have a right to understand how exactly they got MY information. Its also odd that they had MY email, a correct email, and used that to set up the account. Knowing I would get the information. I believe Wells may have bought information to make accounts to show deposit growth. XXXX XXXX XXXX XXXX The information they had included My CHILDHOOD HOME ADDRESS ( Hadn't lived there in over 7 years ) Maiden Name My personal email address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX I received notice from Wells Fargo that a suspicious charge to my card was declined and request verification of a series of charges prior to that date. Confirmed the suspected charge was fraud and that all previous charges were valid. The next day I tried to use card and was declined. A check on my account was blocked. I received a txt message and email from XXXX requesting my confirmation on the questioned charge and I confirmed the declined charge : XX/XX/2023 XXXX XXXX XXXX Unknown {$3000.00} Declined was a fraud attempt. When I tried to find out why my account was blocked I got no explanation and was transferred from person to person in a well-known blocking tactic to keep such inquiries from reaching the people responsible while using my airtime at my expense! After XXXX weeks of this insulting denial of responsibility and no replies to the emails I sent to the above fraud department email address which had replied to my verification of fraud I today made the XXXX miles round trip to the nearest Wells Fargo Bank branch and presented this issue. This rep spent an hour passed from person to person within WF until he was able to get someone to admit why my account had been blocked. They were responding to the FAILED phishing attempt by punishing me by blocking my account! I was subjected to an interrogation of all my background information, presented my VA photo-ID card as proof of identity and treated as a suspect in this fraud attempt. The investigator was trying to blame me for this attack when WF has become a target due to their lack of intelligent structure and easily overcome system checks. I'd used my card only since XXXX, only one card was issued to me, and I was the only authorized user. Yet this WF XXXX was trying her best to fix blame on me for this event rather than the failures of WF to verify this childish and amaturish attempt inconsistent with a true phishing scam. Obviously attempted by someone not familiar with this scam, and possible done by WF personnel to force me to prove identity at a branch bank presenting a Federal issued ID as proof becuase they are incompetent and too stupid to know how to confirm identity without resorting to these bizarre actions. No other bank card has created this problem and with my XXXX credit score of XXXX is not in question... but, these fools ignore common sense and punish the customer for their own failure to provide safeguards and their propensity to blame the victim /customer for the criminal act of another. Rather than going after the person presenting the bogus charge using the trail of connections used to make the claim, and reporting this Felony incident to the FBI, which they are required to do. WARNING : DO NOT DO BUSINESS WITH WELLS FARGO WHICH HAS DEMONSTRATED LACK OF KNOWLEDGE, INTELLIGENCE, OR COMMON SENSE IN DEALING WITH MATTERS OF CRIMINAL ACTIVITY OUTSIDE THE CUSTOMER 'S CONTROL OR KNOWLEDGE. DON'T SUBJECT YOURSELF TO THE SAME PUNISHMENT BY WELLS FARGO FOR ACTIONS OF CRIMINALS ATTRATED TO WELLS FARGO BECAUSE OF THEIR LACK OF INTELLIGENCE OR COMMON SENSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64083
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I had funds, in a Wells Fargo Account, to bring loan current. But, was repeatedly told it was too late, just to forget about the property. I have a ATM receipt with the account balance showing I had funds available. All I needed was the wiring instructions and address. Ironically I see the Wiring Information Now, has been made available at online Banking. I had other funds on hand when I took this balance snapshot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A