Date Received: 2023-09-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank was Wells Fargo, the bank distributing and managing the cards for XXXX XXXX XXXX. Opened a XXXX XXXX XXXX promotional card on XX/XX/23. Payments were made twice with " Thank you for your payment '' notations ( XX/XX/23 and XX/XX/23 ). Payments were apparently reversed later without notification. Customer received late notice and notice of late payment fee XX/XX/23. Customer called XXXX number for explanation. None could be given by that associate. Customer went to physical bank location. No explanation could be given by teller and then bank officer other than payment had been reversed. Customer requested transaction detail ( bank drawn on/bank money returned to including last digits of account number ). My intent was to see if one of MY banks had declined the transactions. The bank officer said that information was unavailable. Customer tried looking up information on all possible payment methods ( my checking, CCs, debit, XXXX, XXXX, XXXX, etc.-ever way it was possible that I originally paid ). Transaction detail information was finally found on the Wells Fargo website nested several layers down. There was still no explanation for WHY the original charges were reversed ( there was plenty of money in both accounts ). I called the XXXX number again after making a third payment attempt. This time the associate said that whenever a new payment type is set up, a customer must call the XXXX number and verify OR THE PAYMENT WILL BE REVERSED. This information was not disclosed by the Nursery associate who filled out the credit application with me. This information was not disclosed by email at the time that my acceptance email was sent nor when the CC itself was sent. It was not disclosed when I set up my online account and made the first payment. If it was included in the wording of any literature attached, it was buried or worded in such a way as to seem trivial. Additionally, this is not a customary procedure for making online payments ; therefore, it was not anticipated as a part of a procedure. I believe that this is a fraud to get at least one late payment fee from new CC customers. On a personal level, I am angry about a late payment fee when I paid ( twice ) on time. I am also concerned that the late payment will adversely affect my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received a call today about a 10-year-old Walls Fargo account. To my knowledge, this account has been closed for years. I got a call and am getting sued for XXXX in overdraft fees. I didn't withdraw any money from this account. Also, there is another name linked to this account. Is it possible she took the money out of my account? Is there any way I can see when and where these transactions were taking place? Why now am just hearing about this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: Wells Fargo repossessed a vehicle without notice and refuse to let us pay the amount overdue in full in order to re-obtain the vehicle right after repossession that being said, during the repossession, there were many items stolen from the vehicle that we never got back, and Wells Fargo never offered any kind of compensation, nor did they allow it to even fade them back to no pity or remorse from the company at all, was XXXX over the phone that day from them at least. These items were all stolen from the vehicle. A XXXX XXXX, a XXXXXXXX XXXX a brand new XXXX XXXX XXXX XXXXXXXX, a pair of XXXX XXXX XXXX XXXX XXXX XXXX, a purse with my identification, my debit cards, credit cards, all of my important information, Social Security number ID and everything stolen from the vehicle. Not even the purse remained multiple tools a large iPod and a XXXX mini XXXX cellular and wifi with XXXX storage. All I'm saying is look, there's no way I could even figure out who was the one that was picked up the vehicle. The tow truck driving company wouldn't even allow us to give us the name of the all of the people that picked up the vehicle at XXXX, they just allow us to take the stuff that was left in the vehicle after it had been ransacked Wells Fargo did authorize them to take the vehicle. Wells Fargo is the XXXX who hired them and Wells Fargo is the XXXX who should be liable for anything that their subsidiary company or third-party XXXX did. The same day it was repossessed and we were able to go down and pick up our possessions. The second that we noticed all the things were missing. We immediately called Wells Fargo and told them about it. They should have records of that and all the stolen stuff from the vehicle, and, we have ever heard anything back about our items nor any kind of compensation for those items stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: Wells Fargo repossessed our car without notice and did not give us the option to pay the due balance and get the car back. The car was actually also burglarized during its repossession with bunches of stuff stolen out of it without any remorse from Wells Fargo that being a sidenote, the reason I'm contacting is because we have not received any settlement pertaining to this event, even though Wells Fargo has been sued and lost the class actual lawsuit in the report that y'all have on your website, it says that I should make a claim if we still have yet to receive a payment so here I am making a new claim I see that y'all have a civil penalty fund formed and I'm trying to touch base with y'all about this. XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Company violated the following laws CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other PROHIBITED BASIS. PROHIBITED BASIS definition- Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that HAS ACTED IN GOOD FAITH or exercised any right under the Consumer Credit Protection Act. I acted with clean hands and in very GOOD FAITH when I applied for the loan. 1681m REQUIREMENTS ON CREDIT REPORT ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes ADVERSE ACTION with respect to any consumer that is based in whole or in part on any information CONTAINED in a CONSUMER REPORT, the person ADVERSE ACTION- action taken or DETERMINATION that is- ( I ) made in connection with an application that was made by, or a TRANSACTION that was initiated by, ANY CONSUMER, or in connection with a REVIEW of an ACCOUNT under section 1681b ( a ) ( 3 ) ( F ) ( li ). Proof of adverse action taken based off information contained in my consumer report that was made by or that was a TRANSACTION by me is included as proof in attachment in Wells Fargo ADVERSE ACTION letter when they unlawfully DENIED me CREDIT. Also WELLS FARGO made unauthorized transactions with my credit card ending in XXXX when I applied and signed for the loan. CREDIT CARD DEFINITION USC 1602 ( I ) - ( l ) The term CREDIT CARD means any CARD, plate, coupon book or other credit device EXISTING for the PURPOSE of OBTAINING MONEY, PROPERTY, LABOR, or SERVICES on CREDIT. USC 1602 m-The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. USC 1602 p The term unauthorized use, as used in section 1643 of this title, means a use of a CREDIT CARD by a person other than the CARDHOLDER who does not have actual, implied, or apparent authority for such USE and from which the cardholder RECEIVES NO BENEFIT which adverse letter is PROOF that I didnt receive ANY BENEFITS instead, I was denied!! USC 1691 a 3 Defined- ( a ) Activities constituting DISCRIMINATION It shall be UNLAWFUL for ANY creditor to discriminate against any applicant, with respect to ANY aspect of a CREDIT TRANSACTION. CONSUMER CREDIT TRANSACTION DEFINED- USC 1679 a 2 a- ( 2 ) Consumer credit transaction The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for PERSONAL, family, or household purposes. WELLS FARGO has violated so many of my rights and need to be held accountable for their actions and the irreparable harm theyve caused me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I submitted multiple complaints through the consumer finance portal and requests closed without investigation. Finally received a letter and spoke to someone who understood my concerns at WF and she asked for further documentation. I sent everything to her attention and received a form letter from yet another associate who included a copy of the previous letter that I responded to... They did not address the multiple documents I sent and ignored my concerns of the modification being {$20.00} less than my mortgage payment. I have requested a thorough review, was contacted and provided documentation they requested, and they respond without review of my documents with a form letter and copy of an old letter. HOW CAN THEY STILL BE IN BUSINESS?? So many people have had this problem with them. Please, look into this it has been a nightmare. I have provided everything they asked for time and again, and they send me a letter dated weeks or months ago and say they reviewed it. HOW IS THAT POSSIBLE? The modification was {$20.00} less each month than my mortgage payment and was my entire salary. I sent them pay stubs and tax returns!!! How did they put me through hoops to qualify for that mortgage when I was making $ XXXX, yet the modification based on $ XXXX was only {$20.00} less per month. They blamed Fannie Mae who I spoke to and the executive at Fannie Mae said it was Well Fargo 's choice and they would agree if WF reduced it. Friends who are younger and made more money were able to get modifications at less than half my mortgage payment and save their homes, yet WF was only deducting {$20.00} per month. I know of XXXX families with investors who saved their homes. What they did to people by putting them through hoops, yet not looking at the documentation was awful... yet the are still in business, and I see people still complaining about them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: All this occurred on XX/XX/XXXX. I was in XXXX, Colorado. My new ATM card was always in my possession in my wallet. I was alerted by my daughter that {$5000.00} was deducted from her checking account by tele-transfer and deposited into my checking account. Our accounts are linked on line as she works for us and we transfer money to her. Then when we looked at our account and there were XXXX withdrawals of {$900.00} each and 11 withdrawals of {$500.00} each withdrawn from my account taken out all using XXXX cash which we understand is some kind of sports betting. All this was done with my ATM card which was in my possession. We were shocked this many transactions were allowed by Wells Fargo with no fraud alert. I had only used this new ATM once on XX/XX/XXXX when I withdrew {$1000.00}. I tried to get {$200.00} more out of several accounts and it did not allow it. Yet..someone that was not me was allowed to take {$10000.00} out in 17 transactions on one day with no alert given. The only transaction I made with this card was at a Wells Fargo ATM. So obviously there was some kind of skimmer on that machine. We are shocked we could have {$10000.00} over 17 transactions deducted from a our Wells Fargo account with no fraud alert or protection. Where is the protection when you put your money in a bank that is supposed to keep it safe? So far, no solution from Wells Fargo. Only one phone call in 5 days. Nothing else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX a large deposit of {$150000.00} was made into my account at Wells Fargo bank. The receipt provided for the transaction stated that {$400.00} of your deposit is included in your available balance. XXXX, XXXX will be available on Friday XX/XX/XXXX. On Saturday, XX/XX/XXXX I verified online that the deposit amount was available. At that time I used electronic payments to pay a number of bills. On Monday, XX/XX/XXXX when I logged on around noon it showed my account had been overdrawn and the deposit was no longer available. I called Wells Fargo bank and they told me that a hold had been placed on the deposit. No one could explain why the Deposit was available for several days and the receipt stated the full amount would be available on XXXX I did not receive an email indicating a hold would be placed until Tuesday, XX/XX/XXXX and as a result of this payments were returned to a number of creditors. This has had an adverse impact on my credit and is resulting in a number of fees. I filed a formal complaint with Wells Fargo and was told it would take 10 business days to respond. I should be able to take actions based on the written information provided to me by Wells Fargo that stated my deposit was available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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: A fraudulent purchase was made through XXXX on and around XX/XX/XXXX for XXXX on our Wells Fargo credit card. We were alerted by Wells Fargo of the fraudulent charge and immediately discontinued card. Wells Fargo removed the charge. One month later the charge was put back on our card because Wells Fargo stated that XXXX stated that we made the purchase using a valid email address - the one that Wells Fargo had on file for us. We did not make the purchase, authorize the purchase or receive the purchase. We were told the purchase was for XXXX XXXX. We have disputed the charge through the bank now 3 times. We have disputed the charge through XXXX via email and letter. We are seeking a resolution for this fraudulent charge using our credit card and private information. We do not have or have ever used XXXX nor do we have a XXXX account. We also had fraudulent activity on the card at the same time for XXXX which was removed by Wells Fargo We have requested the investigation report multiple times but did not receive it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/XXXX, I paid a mortgage payment for the XXXX payment at a Wells Fargo Bank. Branch # XXXX, Transaction number XXXX XXXX at XXXXXXXX XXXX PST. I have a physical copy of the receipt. 2 checks were made for the payment : 1st check ( Wells Fargo Check # XXXX - amount {$800.00}. 2nd Check ( XXXX XXXX XXXX XXXX # XXXX - amount {$900.00}. Total Amount paid was {$1700.00} which was the amount due. Wells Fargo did not apply the amount. I called Wells Fargo on XX/XX/XXXX, XXXX XXXX PST and spoke to XXXX who opened a work order to track the checks. The order number was XXXX. As of XX/XX/XXXX, my loan is still showing as late because Wells Fargo applied two {$800.00} payment which was no accurate. I made 1 transaction with two checks and the 2nd check should be the amount of {$900.00}. I called Wells Fargo again today at XX/XX/XXXX at XXXX XXXX PST and was transferred to XXXX in Escalation. She was unable to track the missing transaction and is asking me to produce evidence of the check. I had paid my mortgage on time and due to the mishandling of Wells Fargo, I am now spending hours trying to resolve this to their satisfaction and making me jumping through the hoops to produce evidence. This is not how consumer should be treated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A