Date Received: 2023-09-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a txt and this email : Wells Fargo home page ( opens new window ) XX/XX/XXXX Wells Fargo Fraud Detection Payment Card Fraud Alert We detected some unusual activity on your Wells Fargo Credit Card ending in XXXX. Action required : Please review recent card activity Please review these transactions and respond as soon as possible. If we don't hear back from you, future transactions may be declined. Do you recognize these transactions? Date XX/XX/XXXX Description XXXX XXXX XXXX Location Unknown Amount {$3000.00} Status Declined XX/XX/XXXX XXXX XXXX XXXX, MO {$11.00} Approved XX/XX/XXXX XXXX XXXX, MO {$18.00} Approved What you need to do If you don't recognize this activity, please call XXXX immediately. If you or an authorized party made these transactions, select the link to confirm. If a transaction was recently declined, try again after selecting the link You received this notification because you're a cardholder, account owner, or authorized representative for this account. Please do not reply to this automated email. Copyright XXXX Wells Fargo Bank , N.A . All rights reserved. I responded that the XXXX XXXX XXXX was not mine and since it was declined was a fraud attempt by a merchant or employee where I had recently made a purchase that required address, phone number as well as the card number from a merchant in Ohio XXXX Discount, an online seller of XXXX XXXXs to replace a failed unit. The charges from XXXX, MO merchants were valid. I received no further information from Wells Fargo regarding this attempted fraud and had no reason to expect what happened next : A day later I attempted to use my card which was declined. I next went online to open my account to learn what was going on and found my account was blocked. I sent an email to XXXX asking why my account was being blocked by WF, but got no reply or explanation. I waited a few days only to find my card was still declined and when I attempted to open my account found it was still blocked. Next I called XXXX service, who was unable to explain or take any action I was given XXXX XXXX to call the fraud service depatment and when I called was put on hold. After XXXX minutes I called again and again put on hold. Another XXXX minutes of music and I made a third call. I explained my complaint and asked why. The agent could not explain was was going on with my service and asked me to again hold until an XXXX could be available ... after having this done twice before with no pickup of my call I asked that the agent call me at the number on my account. She promised it would be done. I waited for two hours with no call from WF Fraud Investigation. yesterday I sent another email to the fraud email listed above complaining about the service block and asked for an explanation or for restoration of service. Today I still have no service and my account is still blocked. There is no excuse for this and I demand WF be held accountable. I can not get into my account to authorize payments and have sent a disputed charge on my account balance due to the failure of WF to clear my service, restore service and provide explanation for what they were doing. Since the fraud attempt was so obvious that they declined no money was lost and the information used was most likely due to criminal activity at the cited merchant I have done all I can to alert and assist WF in prosecuting this fraud and in return have had my account blocked without an email or txt message as to why this is necessary. I believe WF is fraudulently denying my credit usage in an attempt to make me so disgusted with them that I cancel this account. WF has such a bad reputation, well eatrned by their criminal action in the past that someone at WF needs to be prosecuted and imprisoned to make the rest behave in honest treatment of customers. There is no excuse for not informing me of what is being done and why it is necessary. Denial of service when I have done all I can to assist in this fraud prosecution is an insult that must not be allowed to continue. If they are doing this as a corporate policy to all customers then you need to prosecute or warn others that this is how WF treats customers and put them out of business of defrauding the public by advertising credit and customer service they do not provide. I would appreciate restoration of my servic and account that is long overdue and should not have happened in the first place. Whoever attempted this was so ignorant of credit charges they were obviouly attempting a fraud that the WF authorizer declined the charge. I'm now the victim of this event which did no harm to WF and is harming me instead. Do something...
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: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: On XXXX XX/XX/2023 by way of recorded conversation I was informed by a Wells Fargo Preservation Representative that XXXX XXXX was wrong for putting my residence on the Sheriffs Sale list on XX/XX/2023. However Wells Fargo is refusing to contact them to confirm this issue. Despite them yet claiming that my residence is no longer in Foreclosure. Then I receives an email from Wells Fargo claiming that theres an issue with the Title. Well prior to getting the first month Trial Payment they knew there was an issue with the title. Concerning my step father XXXX XXXX committing fraud with forgery on the note.
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: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am the victim of wire fraud which seems to be abetted by Wells Fargo. After wiring {$15000.00} to the recipient 's Wells Fargo account for an automobile purchase XXXX, the vehicle was never delivered. I believe my loss was facilitated by Wells Fargo 's failure to properly verify the owner of the receiving account. Wells Fargo failed to respond to my questions on ownership of the receiving account, available balance in that account or any identifying information that could be provided to law enforcement. In the end, Wells Fargo suggested I meet with a local, XXXX XXXX, branch manager. When contacted, that branch manager would not meet with me and kicked the can back to the Wells Fargo fraud group who did nothing. We are now left to engage an attorney to help us resolve what should be a simple resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new credit card with Wells Fargo. Once I received my card, I called customer service to request authorized user cards. I asked if the cards could be rushed over. The agent confirmed that they could rush over the card. I was not told that there was any fee. I was looking at the card charges and saw a {$16.00} charge for RUSH CARD DELIVERY FEE. I called Wells Fargo customer service to inquire about the charge. I simply asked the agent what the {$16.00} charge was for, nothing else. The agent automatically processed a credit for that charge. This is without me asking for a credit. Wells Fargo is continuing its abusive practices and so I wanted to bring to CFPB 's attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than seven years old. This hasn't been followed in my case. Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private. Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had no idea this was happening until I received a text on XXXX XXXX XXXX XXXX XXXX regarding suspicious activity. This means that since XXXX XXXX until XXXX XXXX the scammer was just slowly chipping into my checking account. I turned my card off, called the Wells Fargo fraud department and made a claim. The following days XXXX XXXX some charges went through. I disputed those and the claim is open as of now, though the charges were kicked back to my account as there was a stop payment in place for those charges. This larger claim, however, was closed. I just looked at my account and I was only refunded XXXX even though the charges total XXXX. It is beyond me why it took so long for them to send me the alert regarding fraudulent charges. Furthermore, it appears as though their investigation found that the charges were legitimate. I had called XXXX the day after I called Wells Fargo and the gentleman I spoke to said that, though he could not give me many details, the XXXX XXXX associated with the charges was not mine nor was it registered in the same geographical location as I was. He also put in a refund request but could only go back to about mid- XXXX. Every single one of the charges is for "PURCHASE AUTHORIZED ON *date* XXXX XXXX XXXX (some long #s, all different) XXXX XXXX". I googled it and apparently it is a common scammer. The following are all of the transactions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an account with XXXX XXXX in XX/XX/XXXX. When I went to pay the bill, I could not pay XXXX directly online. Instead, I needed to pay through Wells Fargo. My other credit accounts through WF appeared on my online account profile, but XXXX was not showing. I then used Bill Pay through WF and set the payment to Autopay each month starting with the XXXX payment on the Due Date. I started to incur {$40.00} late fees because apparently the Bill Pay option takes 1 business day. Meanwhile its the same bank. Wells Fargo refuses to refund me two {$40.00} late fees they charged me. Its a scam. Its says right on the paper invoice that if I used any other Bill Payment method other than WF, they are not responsible for the accuracy or timeliness of the online bill payments. But I am using Wells Fargo. This is definitely an issue and XXXX happening to many others. I pay my bills on time and this is them stealing my money on a technicality. This month the payment withdrew from my WF checking account the day it was due, XX/XX/XXXX. They didnt receive it until Monday the XXXX because the XXXX was a Saturday. The payments are set to pay on the due date. I should not penalized if I am paying on the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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: Years ago I signed up for a subscription service or product from XXXX using an account I no longer have access to. I have contacted the merchant many times through various different means to try and cancel the monthly subscription fee of XXXX that comes out every month from my Wells Fargo credit card. XXXX responded recommending that I have my bank stop or cancel the subscription. Other banks that I use do this without any issue. Wells Fargo refuses to do this and instead makes me go through a tedious ongoing process of filing a new dispute every month. Then I have to wait for the standard 45 days while they try to get a response from XXXX only to then get refunded for that month alone by Wells Fargo. I then have to file a new dispute for the same transaction that comes out again the following month. Wells Fargo tells me that there is no end in sight and that I will have to do this every month forevermore. The only other option for me is to cancel my line of credit with the bank, which is tempting at this point. However, I think the bank has a responsibility to safeguard the consumer 's financial interest and in this situation to stop the transaction from coming out every month. I have supplied them with all of the documentation they need to see that I have contacted the merchant in good faith and gotten no where.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28681
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I applied for a XXXX modification in XXXX with Wells Fargo due to being XXXX, they instructed me to quit paying my XXXX payment and would modify my loan. XXXX months later i was in XXXX I called and sent documents XXXXl times with no response. I called every week, they kept saying my documents were not received. Then I was denied. My house was going to be XXXX in XXXX of XXXX and thankfully my XXXXr left me XXXX when he passed and I Paid XXXX and saved my house. XXXX XXXX!!! This was so stressful and they just ignored me after they instructed me to quit paying my mortgage because they would modify my loan.
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: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Friday the XXXXXXXX XXXX XXXXXXXX, i filed a complaint to Wells Fargo about a scam I was part of. I was looking around for a dog that I wanted and I found one on this website. The website is known as XXXX XXXX XXXX I had messaged this person asking for information about the dogs he was selling and he was asking me questions about my lifestyle and such. I had then agreed with him to purchase the dog and that would include airfare as well since the dog was not from my state. He sent me proof of his breeding license and his ID so I thought it couldnt be fake. I had also gotten proof of purchase as well with both of our signatures. I also received many pictures as well of the puppy. I then realized later that he had taken XXXX dollars and I was out money and a dog then had sent me to a transportation company that took more of my money adding up to a total scam of XXXX all together. The transportation company took XXXX for a thermal crate because on the day I had bought the dog, it was hot outside. The company for the transportation company is : XXXX XXXX XXXX I then asked for a refund from from wood transport and they wouldnt give it to me until the puppy showed up and they then tried to get more money from me for asking for another XXXX dollars for paperwork for the puppy and threatening me saying if I dont purchase this and that, they would report me to whoever. I then reached out to Wells Fargo right away and they then told me that the payment was processed as requested and no errors occurred. They never reached out to ask me more information about the scam when I had told the original person who I was talking to on the phone I had proof of everything. I had been waiting for them to call and email and I gotten nothing in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A