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 have a interest free card with Wells Fargo bank. To avoid interest being charged I was required to pay in full within a 12 month period. I made 2 payments to wells Fargo via bank to bank online banking both payments were to total balance due. One payment was in the amount of XXXX check XXXX on XX/XX/2023. Check XXXX for XXXX on XX/XX/2023 full paid the credit used within the 12 month period. I secured from XXXXXXXX XXXX the tracking Numbers for each check, I also have copies of checks submitted to and cashed by Wells Fargo, This information was given to Wells Fargo several times. An employee in a phone call on XX/XX/2023 located the missing payment, stated could correct in 30 days. That didn't happen. Wells Fargo has reported my account delinquent causing my credit score to drop XXXX points. They have charged me interest and late fees which are not due. All I ask is they find my payment, correct my account to the balance due, fix the damage done to my credit. They have sent letters requesting more time to find payment. No updates provided to me, you should have not damaged my credit until you resolve the issue of misapplied payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
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: 2023-10-04
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: Difficulty during loan modification and all the extra fees. Also the fees charge to checking account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
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 on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Mortgage was paid off and closed as of XX/XX/. Mortgage company continues to report late payments/missed payments to credit bureaus, even with proof account is paid off and closed being reported to credit bureau .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48842
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 an account
Subissue: Fees charged for closing account
Consumer Complaint: Wells Fargo started charging me a monthly maintenance fee on account that should have been closed and the balance was XXXX dollars. My accounts are linked and I have enough balance that I should not be charged any fees. When I reported it to Wells Fargo they agreed to pay back HALF of the maintenance fees they charged me. I want all of it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I thought my credit card number was stolen, so I called Wells Fargo to let them know. They said they'd cancel it and send new ones. When I received the replacement card, I called to activate it. One of the things that their representative volunteered was if I had recurring charges, I'd have to set them up myself. I saw one of the recurring charges that I intentionally did not set up included on my billing statement. I called Wells Fargo to discuss this. It took me three people to get this answer, and it doesn't seem like it's legal. I was told that Visa provides a service to businesses that reestablishes the recurring charges without your knowledge, or consent. My major concern is what if I cancelled that credit card due to issues with a vendor, and that vendor is just able to ask visa to start charging again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44133
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: Fraud or scam
Subissue:
Consumer Complaint: ACH transfer via Wells Fargo to XXXX XXXX XXXX XXXX. In XX/XX/22 ACH in the amount of {$17000.00}. XXXX failed to deliver goods and services paid for. Requested WF reverse transfer. WF refused without reason ACH rules state s failure to deliver goods or services is a valid reason for reversal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: I paid in late XXXX or early XX/XX/2023 for a home appraisal that wasnt completed until XX/XX/2023. I filed a complaint with Wells Fargo for miscommunication and delays with my refinance and demanded the loan to be canceled. Wells Fargo reached out to me on XX/XX/2023 to inform they were conducting an investigation and told me my loan was still active. On XX/XX/2023, the electronic documentation exchange on my Wells Fargo account site was deleted. On XX/XX/2023, I received paper mail from Wells Fargo declaring my loan was denied. Today, the representative from Wells Fargo called to tell me that my loan team didnt anticipate issues with my loan and refuse to refund my appraisal fee. Since I paid for it, I want the appraisal mailed to me. I didnt anticipate it being deleted and unobtainable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26003
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: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On XXXX XXXX I visited a night club in XXXX XXXX. I was unaware it was a scamming business. I purchased only a XXXX XXXX which costed around XXXX USD. I was tricked into thinking that I was only being charged for this XXXX but once I handed my credit card over to the merchant at the restaurant he charged me over XXXX dollars. I didnt realize until I got home and I submitted a claim through Wells Fargo and they were unable to resolve it so it went to arbitration through visa. Visa sided with merchant and now Im stuck with this charge when I was completely scammed. I informed my bank that if you go on the XXXX reviews for the night club all of the reviews are calling them scammers and saying that they have done this with multiple people. I believe visa did not properly investigate this claim because this business is a complete scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33830
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: Problem using a debit or ATM card
Consumer Complaint: I Disputed several unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX with Wells Fargo for unauthorized transactions on my account. They credited me originally in the amount XXXX for XXXX and XXXX while they completed an investigation. And then ruled against me 2 days later on XX/XX/XXXX with XXXX explanation. I still have in excess of XXXX dollars in disputes still pending ( I could be wrong on the exact amount, they give me a different answer every time I speak to them and all the disputes arent listed properly on my account. ) I fear it will be the same process for the pending disputes and I will be ruled against again. In total over XXXX transactions were fraudulent on my account. They ruled against me for XXXX total so far when these were legitimate fraudulent transactions. Ive reached out multiple times for answers and details and was met with attitude, contempt and complete disregard for my situation as this has been very stressful for me financially. My last contact was on XX/XX/XXXX and Ive decided to file a report with CFPB as it seems they will not come to amicable resolution overall.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70117
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 an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo closed my checking account as inactive. It has nearly {$18000.00} on deposit, over {$1000.00} auto deposit monthly from XXXX XXXX, and several monthly auto payments. I have tried to email and call from XXXX using land line and appropriate codes yet only get busy signals and email is rejected. The communication problems are identical to previous complaints but the closing of my account without warning or explanation is outrageous. This is an emergency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A