Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: The 3 credit reporting agencies deleted a positive account XXXX XXXX XXXX. They all told me that the data furnisher ( Wells Fargo ) deleted this positive account that was to be reported until XX/XX/2025. This makes my credit report incomplete and inaccurate, which is against the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. All that I received are emails stating that they need more time to research my complaint. I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. I had never been late or been behind in any payments until this issue came about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX was a colleague of mine that was helping me with my computer, Ipad and phone as of XX/XX/XXXX. He took over my electronics devices and changed the account name and passwords. I had to have a tech specialist reset my computer and passwords. He got access to my account information and passwords. He also stole my Wells Fargo Debit Card, Wells Fargo Credit Card, XXXXXXXX XXXX XXXX and applied for credit on XXXX XXXX. He also applied for a XXXX XXXX with Wells Fargo. He runs a non-profit called XXXX XXXX XXXX. Several Charges were made to this organization. XXXX also charged camera rental gear on XX/XX/XXXX to XXXX XXXX and XXXX on my Wells Fargo Debit Card and did not return the equiptment. Wells Fargo : XX/XX/XXXX - XXXX XXXX {$500.00} # XXXX XX/XX/XXXX - XXXX XXXX XXXX {$100.00} XX/XX/XXXX - Online transfer from XXXX XXXX Card {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$.00} XX/XX/XXXX - Online Transfer Visa Signature Card {$1100.00} XX/XX/XXXX - Online Transfer XXXX XXXX Chacking {$250.00} XX/XX/XXXX - ATM Withdrawal {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX - ATM Withdrawl {$600.00} XX/XX/XXXX - XXXX XXXX {$7.00} XX/XX/XXXX - Non WF ATM Withdrawl {$340.00} XX/XX/XXXX - Non Wells XXXX XXXX {$2.00} XX/XX/XXXX - ATM Withdrawl {$100.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} XXXX - Online Transfer XXXX XXXX Checking {$280.00} XXXX - Online Transfer From Visa Signature Card {$31.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - AXXXX XXXX {$240.00} XXXX XXXX Shargrid {$400.00} XXXX - XXXX {$6.00} XXXX - ATM Withdrawl {$120.00} XXXX - Account Transfer {$410.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: XX/XX/XXXX a request for a satisfaction of mortgage from Wells Fargo Financial a division of Wells Fargo Bank was requested and forwarded to their research department as the original lien was filed XX/XX/XXXX in the amount of {$66000.00}, document number XXXX, and a mortgage in the amount of {$98000.00}, document number XXXX was filed on XX/XX/XXXX. These were paid off with a refinance of a loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$180000.00}, document number XXXX. The document number XXXX in the amount of {$98000.00} was satisfied with the Satisfaction document number XXXX on XX/XX/XXXX, however ; loan in the amount of {$66000.00}, document number XXXX was never satisfied with the county recorder. I sent them the original mortgage document and the refinance mortgage document along with a copy of my certificate of title showing the dates and document numbers. They have no contact person to speak to and the only contact is with a fax machine that you send your documents to. I have heard nothing and am anxiously wanting a loan to put in new windows and I also need to provide the information to my new lender from my refinance who their title company somehow missed this in their review. I am stuck in the middle of a bad situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Good morning, My name is XXXX XXXX XXXX XXXX I'm writing this email regarding a Scam/Fraud that happened on my Wells Fargo checkings account last sunday XX/XX/2023 for one transaction of {$4.00} under the name of a XXXX XXXX XXXX ( whichdoes not exist anywhere ) and its address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one for {$1.00} under the name of XXXX XXXX and its address : somewhere in XXXX XXXX at the same time of the previous transaction. At the same time I was charged on my XXXX XXXX card under the same XXXX XXXX XXXX, but they investigated and already refunded the amount of the fraud and at that exact moment I was charged on my XXXX card multiple times from the same scammer XXXX XXXX, and they already investigated and refunded the amount as well. I went to the XXXX XXXX Police and showed a detective officerevery evidence about this case.The police report number is : XXXX District/Unit : XXXX Rank/Officer ID : XXXX XXXX Police Telephone : XXXX The same the day that I saw all this transactions when I woke up and when I realized those frauds and emails I received I started calling all of the banks to let them know that it was not me and did not authorize those scams. Im good with XXXX XXXX and XXXX, their investigation team did an amazing job and refunded me all the amounts. On the other side, Wells Fargo was different. 4 days later after I filed a claim I called them again to know about my situation and to know where's my hard- earned money. This lady of the XXXX XXXX XXXX Wells Fargo Department that I was talking to, named XXXX, she said to me that the Bank denied my claim and there is nothing they can do, even tho I told them that i did not authorized those payments and how could I spend all my money in one transaction even tho if wanted too i could not, I have to eat.. and if it was that simple for them to deny a claim and that is it, I loose all my money, and yes, she replied that she was sorry but the team did not find any suspicious activity and again that the case was denied. I replied saying that XXXX XXXX and XXXX solved my problem the next day, and again she replied that there is nothing else they can do. That I can go to the scammer 's stablishment ( which does not exist because i looked it up on google ) and ask for a refund ( very uninsterested from her and frustating moment for me ) That same day is the day I went to the XXXX XXXX Police to open an investigation and file my claim to the detective mentioned before in this letter. And for this reason I am seeking help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: Did an online purchase and different amount was taken out. Close to {$70000.00} was taken which was suppose to be only about {$400.00}. Asked the company for a refund and the company asked for more to have it fixed. Asked the bank for help. The bank attendant said that it was done online and they are unable to help. It was bank that approved the amount and they do have the right to help. The company was scam and bank refused to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I own a small business. We have Wells Fargo a business checking account. We opened a merchant account and received our first payments from a client on XX/XX/23. Since then, the payments have been on hold. We received an email from XXXX on XX/XX/23 requesting information. I replied. We called several times, but no one had been assigned. After much back and forth on XX/XX/23, we finally got a phone appointment with employee XXXX XXXX for XX/XX/23. She did not call at the scheduled time. Over an hour later, a man called to say she would not call, but that we needed to send invoices. I sent them again even though they had previously been sent. I scheduled another phone appointment with XXXX XXXX for XX/XX/23 at XXXX XXXX. At XXXX XXXX, the appointment was cancelled by Wells Fargo without explanation. I just called again. No one can help me. Risk doesn't take calls. They have no phone number. Supervisor XXXX is going to send another email, that will go nowhere. I can not have an appointment. We are a small business with thin margins. This hold is detrimental to our business. I started to cry and XXXX said that my being upset was only hurting me. The implication being that she does not intend to help me. I was in no way disrespectful to her. I am just supposed to tolerate this because she said we are not the only business going through this? WHERE IS OUR MONEY? I insist on someone explaining this to me at once as it's been a full week with no explanation or contact. Wells Fargo has been in the news frequently lately for allowing money to " disappear ''. Is that the situtation here? Why is there no one to help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Opened debit card without knowledge And also possible checking and saving acct
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A