Date Received: 2023-10-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX - On the same branch visit WF opened a new account for me to protect me against fraud and my funds were transferred to a new WF account. Within one month of opening this new Wells Fargo account - unauthorized wire transfers and debits were taken from my account. Wells Fargo identified the individual who I have no affiliation with or knowledge of. WF refuses to indemnify me and provides no explanation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I opened a Wells Fargo checking account online using the bonus offer link. After I opened the checking account, I received an email confirmation letting me know the bonus offer has been applied. In the email, it listed out my application number XXXX and bonus offer disclosure and additional requirements. Fast forward to three months later, I believe I have met all the requirements listed in the bonus offer information. When I called Wells Fargo, the representative let me know that she could not find any information for bonus offers on my account. She also couldn't access any application form for account and said there is nothing she could do. I have kept email confirmation for the checking account. The account history should serves well to show that I'm eligible for the bonus offer. I'm filing this complaint to receive what was set in the original terms. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Monday, XX/XX/2023, a Wells Fargo agent called me to inform me of suspicious activities in my account. He explained that he needed to verify certain transactions, and we went through each of the ten transactions individually. During this review, we identified three unauthorized withdrawalstwo of {$500.00} each and one of {$200.00}, all from non-Wells Fargo ATMs. The total amount of these unauthorized transactions was {$1400.00}. The agent asked me to confirm if my debit card was in my possession, but upon checking, I realized that I had misplaced it. When I informed him of this, he asked if I had allowed anyone else to use my debit card, to which I replied in the negative. As a precaution, the agent decided to deactivate my card and arrange for a replacement. During our conversation, I mentioned that I had recently sold my XXXX and had forgotten to factory reset it, potentially leaving personal information on the device. The agent filed a claim regarding this issue and assured me that I would receive my new card within 5 to 7 days. Additionally, he mentioned that they would provide an update on the claim status within 10 days. However, on Friday, XX/XX/XXXX, after about 10 days had passed, I had not received any updates on the status of my claim. Consequently, I decided to call Wells Fargo to inquire about the situation. To my surprise, they informed me that my claim had been denied, as they believed the unauthorized transactions were either made by me or someone I had given permission to. I vehemently explained that I had not authorized these transactions and reiterated the circumstances : the sale of my phone and the loss of my debit card. Unfortunately, they maintained their stance, stating that there was nothing further they could do to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I open a claim against XXXX XXXX because they sent me damaged shoes and wouldnt take my return. Wells Fargo sent a letter today XX/XX/2023 that they would not refund me anything because damaged goods are not XXXX responsibility and its the shipping services fault and Wells Fargo wouldnt help me. They denied my dispute claim and closed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
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: Managing an account
Subissue: Banking errors
Consumer Complaint: I had one previous account with Wells Fargo bank a few years back that was closed. I recently opened up a brand XXXX account with Wells Fargo In XXXXXXXX XXXX XXXX and was always transferred to the fraud department due to suspicious activity on my account. They would block my account and between XX/XX/XXXX and XX/XX/XXXX About XXXX checks that i cashed and deposited inside the branch disappeared they have no record of me coming inside the branch to deposit my funds. All checks were issued from the State of Maryland comptroller that were owed to me due to being a victim of identity theft. Upon further investigation I have had a total of XXXX accounts opened with Wells Fargo since XXXX that I didnt open up and were open without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: I applied for the mortgage in XXXX. I asked through email for an update and never receive one. I also called multiple times and never received a response. It is now XXXX with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I guess The idiots at Wells Fargo think I was born yesterday. Account Closure due to me filing fraud claims. The Banks is using the system and vague dialog and XXXX letters to defend their actions. Then wonder why they are in the new every other month getting fined or sued. Their associates told my banker not to tell me that they closed my accounts due to claim abuse. Well my Banker was honest and told me what she was told when she called the Wells Fargo lost prevention number. She even told me she made a mistake by working for this company. anywho, using vague language like " We decided to close your account from a business decision '' is not sufficient enough to take such a action. A " Business Decision '' could mean various things! For all I know the company is discriminating against me because of my race. Ive already removed all of my funds as the bank set the accounts to close on XX/XX/23 as they let the pending disputes expire after 10 days of them not really investigating them. However Federal law requires they be investigated. Im also requesting proof of findings in detail from these investigations as I will be using it in my Court case against this company for which I'm filing a suet against for pain and suffering, emotional distress, and violating consumer banking laws. Im sure some rep will do as other reps have and close this complaint by including a BS letter and resolution. But I'll just keep opening up new cases until this bank gets that I don't just roll over on my belly. Hopefully someone gets fired behind their negligence after I sue them for millions of Dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18201
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a wells Fargo business and personal checking account. I called at XXXX XXXX central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A