Date Received: 2023-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX, I was asked to send a XXXX payment to XXXX XXXX, XXXX, in the amount of {$650.00} on XX/XX/XXXX for services to recover a stolen vehicle, stolen vehicle report number XXXX filed with the XXXX XXXX XXXX police department ( or the city of XXXX, XXXX spoke with many police officers as well as the sheriff ). I was told by XXXX that the zelle transaction was marked as " suspicious '' and did not go through. I was told that I would be automatically refunded within XXXX hours. I was then told to send another transaction, under the guise that that would somehow " verify '' the original transaction. Again, to XXXX. This charge was for {$350.00} on XX/XX/XXXX. As I stated, I never received the {$650.00} back despite being told it would be automatically refunded in XXXX hours. Please note that I did make an attempt to reach XXXX before sending an additional transaction, to see if what I was being told was true. I was unable to reach a single human at XXXX. Just a continuous loop of an automated system. I spoke to Wells Fargo about it as well, and they told me that they did not know, because XXXX is it's own department, so I would need to call XXXX. So neither wells fargo NOR XXXX were able to help me in any way, despite my attempts. Most of my conversations with XXXX were on the phone, and he seemed legitimate, and able to help recover the stolen vehicle. That said, he did threaten me at one point, and even sent a photo of the outside of my house. All of this to say, these transactions are not legitimate for many reasons. I paid for services ( assistance in recovering my stolen vehicle ) that I did not receive. As well, I was told I would be refunded the {$650.00} within XXXX hours which I was not. Wells Fargo was not able to provide any insight into what was happening with the XXXX transaction ( XXXX ) at the time the money was sent, nor after the fact. XXXX was unreachable entirely, I was never able to reach a customer service agent. I also received threats including a photo of the outside of my home. I disputed the XXXX charges through wells fargo, and they denied the dispute within XXXX hours without reaching out to me, no phone calls, no emails, no nothing. Wells Fargo treats their customers like criminals. Throughout the entire process I received no support from Wells Fargo what so ever. I will be personally calling their fraud department to discuss this matter when they are open on XXXX, but am very upset and frustrated. I have spent over XXXX hours on the phone with Wells Fargo this morning and they have been utterly unhelpful. I am incredibly frustrated for many reasons. Beyond the frustration of my vehicle and ID being stolen, Wells Fargo as per always refuses to not only take my side and/or offer me any layer of protection, but is unwilling to be helpful or take my claims seriously. I have never experienced such negligence from a bank in my entire life. I am reaching out to you folks for assistance, though I am hoping ( which may be in vein ) to be able to reach some sort of resolution with the fraud department on Monday. I will file this separately if it comes to it, but there was a fraudulent charge for the amount of {$600.00} also on the account. I have also disputed this charge, and am hoping for a better result. However, if I do not receive one, I will reach out to you folks regarding that charge as well. For now, I am just trying to seek compensation for these XXXX charges that are illegitimate/made under false pretenses/could have been avoided had either Wells Fargo OR XXXX provided any customer support. I am sure there is more that I am not thinking of at this moment, but please feel free to reach out to me directly. My expectation from banking institutions as that they offer at least some level of protection to their customers. I also expect that appropriate customer service be provided, and that agents are available to speak to. Note I did not call Wells Fargo or XXXX outside of standard business hours. I did speak to someone at Wells Fargo, who gave me the number to call XXXX, but I was unable to reach an agent at XXXX entirely. I am currently unable to find the rejection of the fraud charges from Wells Fargo, but I know from speaking with them today/reviewing my transactions that the provisional credits were reversed. There is a chance that perhaps the claims were NOT denied, and I am aware this complaint could be a bit premature, but I have always had a hard time with wells fargo and if the provisional credits were reversed I assume the claims were denied. Again, I was unable to receive clarification that the charges were denied since the fraud department was closed, but given that the provisional credits were reversed, I am assuming this to be the case. Again I do apologize if this is premature and I do hope to resolve this with Wells Fargo 's fraud department on Monday, but as a consumer I need to protect my interests. XXXX XXXX 's phone number is : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I contacted the company, with the issue and requested all the paperwork that has to do with my collection and they are yet to send anything to my possession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with Wells Fargo. On XX/XX/XXXX I called support and made two disputes on the exact same company charging me, caesars XXXX XXXX. I told them im XXXX XXXX XXXX, and there is XXXX way i could even gamble. A support member told me to call XXXX as well, where they had XXXX account with my name or social. One of my disputes, the ones made with ACH were accepted by wells fargo and they gave me the money back. The other dispute MADE ON THE EXACT SAME COMPANY. got denied by wells fargo. These two disputes i called and made on the EXACT SAME DAY on the EXACT SAME COMPANY. How did only one of them get accepted and the other was denied? Heres proof the the dispute, and proof that i got refunded on only one of my disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67226
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Subject : Complaint regarding excessive overdraft charges and violation of fair debt collection practices I am writing to formally lodge a complaint against the Bank regarding the excessive overdraft charges that have been imposed on my account over the past 365 days. This complaint is also on behalf of XXXX XXXX XXXX XXXX, who has experienced similar issues with his account. Firstly, I have been charged a total of 15 overdraft fees within the last year, which I believe is an excessive and unfair practice. These charges have had a detrimental impact on my financial well-being and have caused significant harm to my financial stability. Furthermore, these overdraft charges were not foreseen or anticipated by me, as I have always maintained a sufficient available balance in my account to cover any transactions. Therefore, I contend that these charges are not only unjust but also illegal under the applicable laws and regulations. In addition to the aforementioned concerns, I must bring to your attention a violation of the Fair Debt Collection Practices Act ( 15 USC 1692d ) committed by the Bank. On XX/XX/2023, at XXXX XXXX., I received a call from XXXX ( XXXX ) XXXX, which I later discovered was from the Bank 's debt collection department. During this call, profane and obscene language was used, causing me emotional distress and further harm. Such behavior is a clear violation of 15 USC 1692d ( 2 ) and is unacceptable. I hereby demand that all the overdraft charges imposed on my account be immediately removed, and the corresponding funds be returned to me without delay. Additionally, I am seeking compensation of {$1000.00} for each violation of the Fair Debt Collection Practices Act, as outlined in 15 USC 1692k. It is important to note that overdraft fee practices must comply with various laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), the Electronic Fund Transfer Act ( EFTA ), Regulation Z, Regulation E, and Section 1036 of the Consumer Financial Protection Act ( CFPA ). These regulations prohibit unfair, deceptive, and abusive acts or practices, particularly in relation to overdraft fees. Charging overdraft fees on transactions that a consumer would not reasonably anticipate is likely to be deemed unfair and can cause substantial harm to consumers. I urge the Bank to thoroughly investigate this matter and take immediate action to rectify the aforementioned issues. Failure to address these concerns in a satisfactory manner may leave me with no choice but to pursue legal remedies available to me. I expect a prompt response to this complaint within [ 14 days ] from the date of receipt of this letter. Please direct all correspondence regarding this matter to the address provided above ]. Thank you for your attention to this matter. I trust that the Bank will handle this complaint with the seriousness it deserves and work towards a fair resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, Wells Fargo called me and notified me the letters " XXXX '' were in my mailing address and told me I needed to remove them because they could not verify my address. I did, and told them I didn't know what those meant or where they came from. On XX/XX/2023, all my transactions started declining on my debit card and my whole day was messed up. I contacted Wells Fargo Debit support and the representative told me everything was fine on the bank 's end. Upon insisting, he told me there was a " money laundering fraud alert '' on my account. He told me he had no other information. I asked to speak to a supervisor who told me that was nonsense. He told me I needed to visit a Wells Fargo branch in the morning to verify my address or the account would be closed. I told him that I would do so, but that under these circumstances I wanted to close my account anyway and retrieve my funds in the morning. He guaranteed that I could retrieve my funds in the morning and advised me that If It wasn't convenient for me to visit a branch to verify my address, I could call the branch responsible for this hold in XXXX XXXX at XXXX. The next morning on the XXXX, I woke up to numerous emails stating that my account services were disconnected, the account had been closed and approximately {$11000.00} was missing. I called the branch immediately as instructed and was told the had absolutely no idea exactly what I was talking about and explained they had no authority to do such a thing. I then called customer service at XXXXXXXX XXXX who told me they had no Idea how this could have happened and they verified that no emails, mail or other notification of this were sent to me. He then transferred me to XXXX XXXX with the " customer advocacy '' team to further research a resolution. XXXX was extremely disrespectful, antagonizing and sarcastic. She told me that my address was set as a commercial address then stated " ..you don't live at a commercial address do you? '' and explained that as the reason the account was closed. I explained that I was experiencing extreme hardship due to this, couldn't eat, buy fuel or finish my trip and needed my funds immediately. She responded with " too bad, maybe you should have opened your mail, this is your fault. '' Infuriated, I demanded to know where my funds were. She told me a cashiers check was sent to my old address. I explained to her I have no way to access that address and she stated " again, thats your fault. ". I called back on XX/XX/2023 and spoke to XXXX at XXXX with Wells Fargo XXXX customer service. After explaining how disrespectful the previous representative was, XXXX called me " persnickety ''. He then did not want to help and again transferred me to " customer advocacy ''. They told me that my account could not be reopened, that I would not receive my {$1000.00} in pending refunds and told me I could open another account. They stated that after 15 business days, the cashiers check mailed to the wrong address could " possibly '' be reissued in another 15 business days after a 10 business day administrative review. The representative stated a complaint was filed with customer advocacy under the reference number XXXX. Additionally, my name has been added some sort of fraud warning system and now I cant open any bank accounts. Wells Fargo has damaged my reputation, caused me immense grief and inflicted immense emotional and financial damage, leaving me stranded XXXX miles away from home with only the cash in my pocket and no indication of how to access my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
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: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a renewed complaint concerning my ongoing dispute with Wells Fargo Bank. I recently engaged in another conversation with them, lasting for approximately 50 minutes. In this call, Wells Fargo informed me that they have initiated the processing of four disputed transactions, providing the following claim IDs : XXXX XXXX XXXX While this may appear to be a step forward, a significant concern remains unresolved. When I inquired whether I would be required to make payments for these pending claims in the next billing cycle, Wells Fargos response was far from satisfactory. Instead of providing a clear answer, they transferred me between multiple departments, leaving me without a resolution. Ultimately, I was informed that these claims are still pending due to allegedly missing documentation. I must emphasize that I have diligently followed Wells Fargos prescribed process, reporting each claim over the phone and promptly supplying all requested information based on their inquiries. Despite my full cooperation, they continue to delay and avoid processing these claims. Their assertion that I havent provided necessary information is perplexing, considering that I possess the claim IDs as evidence. This situation strongly suggests that Wells Fargo is intentionally delaying resolution, allowing these claims to linger indefinitely. It is evident that their actions do not align with their stated commitment to promptly and transparently resolving disputes. The banks inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially when they possess the requisite information, is both disheartening and unjust. In light of this, I implore the relevant authorities to intervene and oversee Wells Fargos activities. The banks behavior warrants a comprehensive investigation and appropriate measures to ensure they adhere to ethical practices and treat their customers with the respect they deserve. I sincerely appreciate your attention to this matter and your role in safeguarding consumers rights. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This auto dealership ( XXXX XXXX ) in XXXX XXXX, Florida, took {$1000.00} for a down payment for a used auto, but auto was delivered dirty and with tobacco smoke in it. That was 1 criteria of looking at the auto that it have NO Tobacco Smokes ( since I have allergies to tobacco smokes, mold, pet stinks as well as food allergies ). The auto was delivered 3 to 4 hours later than it should have been, it was dirty, had tobacco smokes in it. Then the dealership claimed they could not get another auto door lock for it since the one that they wanted to give me was broke, but said /I could still unlock it by the key. I waited for a while and then realized this company must have crooks working for them ( XXXX ) was the sales person, who claim to sell the auto. I took the auto back to the dealer and parked it on their lot for such Bad Business Practices and them not fixing the auto door lock as they said they would. I owe this dealership nothing, they tried to sell me an auto that was so heavy with tobacco smokes you could smell it very much upon opening the door, BAD BUSINESS PRACTICES. This was filed with the Missouri Attorney General as well as the XXXX. XXXX the personnel of XXXX was very RUDE in trying to converse with this issue in emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX at the hours between XXXX and XXXX several unauthorized atm withdraws and fraudulent deposits were conducted in 2 different cities across XXXX XXXX XXXX I had ordered a new card on the XXXX of XXXX and without my knowledge my card turns out to have been stolen out of my mail as I never received it. This is with Wells Fargo. I contacted them immediately that someone was using my card I never received all over XXXXXXXX XXXX resulting in them stealing {$1000.00}. They reviewed case and told me I was out of luck even though I did not authorize these atm transactions nor did I have the card in my possession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: on XX/XX/2018 i was to receive two direct deposits from a company i had done work for. neither appeared in our account. contractor we did work for provided proof that the deposit had been made at wells fargo. someone internally at wells fargo changed our email and account number and the money was deposited into someone else 's wells fargo account in another state. there were 2 deposits. one for {$4900.00} and one for {$10000.00}. we contacted police in our town and Detective XXXX XXXX responded. ( case # XXXX ) they put in a report with the U.S. internet complaint center. We contacted wells fargo many times. we also contacted the wells fargo in minnesota and they said they would not reverse the deposits. we wrote numerous letters to wells fargo including customer ser.vice and the president of the bank. they said there was nothing they can do. the us internet complaint center provided us the routing number of where it was sent at wells.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: Let me try to, once again and as succinctly as possible to explain how I was and still being treated by Wells Fargo Bank : over the past decade. What Happened? Where do I start?! A lot happened in over my dealing with WElls Fargo Bank Lots denials, lack of risibility, lots of rudeness, lot false inaccurate statements and facts about the actual occurrence of the circumstances i.e. : I refuse to honor my agreement with W.F, car was repossessed involuntarily from me, they spoke to an XXXX who called on my behalf in XXXX, ( didn't have legal representation then nor could I have afforded one at that time ) Many convoluted explications lest they will be blame and wear me out... The stories change depending on which W.F CON I speak with. First I want to thank CFBP for their help and many efforts in helping me find an equitable and lawful solution to this agonizing, mentally, and financially exhausting situation regarding a car loan from Wells Fargo Bank a transaction going back over a decade ago ( XXXX ). I assume that CFBP can't possibly keep records of the avalanche of Customer Complaints that they receive. So, here is a succinct summary!!! After the loan approval, of what has now been documented to be of Wells Fargo 's many " fraudulent, unlawful, abusive and inequitable service, I purchased of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within days of purchase, the car had some transmission problems. I immediately called XXXX XXXX who asked that bring back the car at no cost to be fixed, not necessary to contact Wells Fargo and request other Vehicule. Nonetheless, I did and left a message to their Car Loan Department that wasn't returned. Less than a week later I went to the Dealer, not only to find out not only the dealership was out business, he flew back home to XXXX but SOLD MY CAR TO AN INNOCENT XXXX FOR XXXX XXXXXXXXand inequitable. I immediately call the loan Manager to report the incident, he was very unconcerned only told that it was a personal that I need to resolve on my own but they still expected to receive their car payments. I asked about the Insurance that was insisted that I get from them one of their conditions for approval, His answer? XXXX XXXX, call them and hang up on me. All in all, I filed a Police Report, mange to contact the buyer, reluctantly filed for Bankruptcy etc ...... They soon after reposed from the XXXX, request immediate full payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) They sold it at auction. .BUT UNTIL TODAY THAT VEHICULE ( THEIR VEHICULE ) It is still, according to DMV ) registered to me. Again, their response? This is also my responsibility! Ps : I will attach copies of some insulting XXXX XXXX XXXX XXXX Checks to silence me no plausible sensible explanations. ( one as small as low as {$5.00} ) and some of correspondences from them. What do I want? Compensation, respect, and teach them not to continue with their heartless and unconcerned treatment. of their consumers. Since the Civil Law Suit did not teach them, I fully intend to give it my all! First I want to thank CFBP for their help and many efforts in helping me find an equitable and lawful solution to this agonizing, mentally, and financially exhausting situation regarding a car loan from Wells Fargo Bank a transaction going back over a decade ago ( XXXX ). I assume that CFBP can't possibly keep records of the avalanche of Customer Complaints that they receive. So, here is a succinct summary!!! After the loan approval, of what has now been documented to be of Wells Fargo 's many " fraudulent, unlawful, abusive and inequitable service, I purchased of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within days of purchase, the car had some transmission problems. I immediately called XXXX XXXX who asked that bring back the car at no cost to be fixed, not necessary to contact Wells Fargo and request other Vehicule. Nonetheless, I did and left a message to their Car Loan Department that wasn't returned. Less than a week later I went to the Dealer, not only to find out not only the dealership was out business, he flew back home to XXXX but SOLD MY CAR TO AN INNOCENT XXXX FOR XXXX XXXXand inequitable. I immediately call the loan Manager to report the incident, he was very unconcerned only told that it was a personal that I need to resolve on my own but they still expected to receive their car payments. I asked about the Insurance that was insisted that I get from them one of their conditions for approval, His answer? Well XXXX XXXX, call them and hang up on me. All in all, I filed a Police Report, mange to contact the buyer, reluctantly filed for Bankruptcy etc ...... They soon after reposed from the XXXX, request immediate full payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sold it at auction. .BUT UNTIL TODAY THAT VEHICULE ( THEIR VEHICULE ) It is still, according to DMV ) registered to me. Again, their response? This is also my responsibility! Ps : I will attach copies of some insulting XXXX XXXX XXXX XXXX' Checks to silence me no plausible sensible explanations. ( one as small as low as {$5.00} ) and some of correspondences from them. What do I want? Compensation, respect, and teach them not to continue with their heartless and unconcerned treatment. of their consumers. Since the Civil Law Suit did not teach them, I fully intend to give it my all! On second thought, most of these Document have already been submitted in my prior complaint with exception of their {$40.00},, ( will submit if requested )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A