Date Received: 2023-09-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo charged a {$10.00} service fee that was supposed to be waived if the checking account balance was > {$500.00} which it was ( {$500.00} ) on the date that this service fee was taken. This was fraudulent behavior that they blamed on their " system. '' They have promised to reimburse but given the history of this company 's shady practices towards consumers I wanted to submit a complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98112
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I requested my portion of the approximately {$27000.00} Fine levied by the CFPB due to me. My home was in Foreclosure for 14 years. Wells Fargo refused to Modify my Loan for 14 years when interest rates very, very low. Wells Fargo refused me a Forbearance on my Loan during Covid-19 Wells Fargo stated they will call me if they find any reason where they were at fault. My loan has not been modified although they allow me to make payments. I dont know where my payments are going as they are held in a corporate account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46375
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: I am writing as a follow up on two previous complaints I've submitted regarding the Wells Fargo settlement in XXXX of XXXX with CFPB. I was absolutely a victim of Wells Fargo systematic dishonest practices in modifying my home mortgage in XXXX. For that reason, I believe I should be a party to the settlement reached with the CFPB. I have documentation which proves the organization withheld information at the time of the modification. They are using the same delaying, avoidance, and transferring tactics as before. Each correspondence with Wells Fargo, is returned asking for further information, and offering no assistance. And it is always from a different person. And this person has no knowledge of the matter, and will take two weeks to look into things. Then they will respond with another letter requesting the same information previously submitted. Nothing like kicking the can down the road. I have also asked for their criteria and/ or a matrix as to who will be a party to the settlement. They have said that is confidential company information. I've asked who is responsible for the administering of the settlement? They refuse to answer that question, as it's company business. Finally I've asked how much of the settlement has been paid out, and how many parties have been reimbursed? Again, no answer. I am writing in hopes that you, as the Bureau who came to this settlement, could help your consumers find some transparency with this matter. They should not be allowed to handle their own penalty, with no oversight, and no accountability. Thank you ; XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: Wells Fargo refuses to answer me regarding mortgage payments that I made. Wells Fargo requested more time to locate payments that I sent to them while stating they had no knowledge or re cord of receiving such payments. No, they ran out the clock and closed my case. Wells Fargo apparently denied receiving XXXX XXXX XXXX from me while placing me into default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
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 CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. Yours infuriated, XXXX XXXX Subject : Re-Complaint Against Wells Fargo Bank for Gross Mishandling of My Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a renewed complaint against Wells Fargo Bank due to their utterly unacceptable handling of a dispute that has endured for over 90 days without any resolution, despite the merchant reversing the transaction and callously refusing to refund the consumer. The details of this ongoing dispute are as follows : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Transaction Amount : {$76.00} Card Number : XXXX My evidence undeniably demonstrates that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the consumer 's refund for an extended 90-day period. This situation strongly suggests that either the bank is shockingly inefficient or, even more concerning, is actively engaged in a corrupt scheme to defraud its customers. I am submitting this complaint with the fervent hope that the relevant authorities will promptly and decisively take action to hold Wells Fargo accountable for their disgraceful actions. Yours infuriated, 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: 2023-10-01
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 reiterate my complaint against Wells Fargo Bank concerning their mishandling of a dispute that has now lingered for more than 90 days without resolution, despite the merchant 's reversal of the transaction and subsequent failure to refund the consumer. The pertinent dispute details are as follows : Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence unequivocally demonstrates that Wells Fargo received the reversal from the merchant. However, they have inexplicably failed to refund the consumer within the 90-day timeframe. This situation suggests either a profound inefficiency within the bank 's operations or a deliberate disregard for positive customer service practices. I am submitting this complaint once again with the expectation that relevant authorities will oversee this matter and ensure a fair resolution. 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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I spent 3 hours on the phone with various Wells Fargo reps. trying to find out what fraudulent charges were on my credit card adding up to over XXXX, because Wells Fargo wasnt sending me my credit card statements like they were supposed to, but in XX/XX/XXXX I put in a fraudulent dispute on several fraudulent charges on my account that Wells Fargo had me thinking they credited my account for.Wells Fargo representatives kept me locked out my credit card online where I couldnt review my account online. I learned that my Wells Fargo credit card has the wrong balance reporting to credit bureaus of over XXXX with over {$5200.00} being fraudulent charges. Wells Fargo was supposed to have been sending me printed statements, but Wells Fargo wasnt sending me my statements, so I dont know if these are new fraudulent charges or what bringing my balance that high!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was trying to purchase a golf cart online on XXXX XXXX. It was supposed to be a cash deal, but when I brought cash out, the gentleman said he refused to deal with cash and that we needed to do the process through XXXX XXXX and cryptocurrency. Hesitantly, I moved forward and the next morning I woke up and my bank account was empty and the person had withdrawn money out of my checking account and made mini withdrawals Onto the cash app in which they took that money and put into their own accounts. They also tried to make XXXX different {$5000.00} wire transfers out of my checking account. They took all the money I have. Now I am receiving cancellation letters from every single credit card, and can not get a credit card, they are all denying me, even though I am well qualified for these cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
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: Non-sufficient funds and associated fees
Consumer Complaint: I used my debit card with a chip reader to purchase food from a food truck. the foods from the both food truck services caused me to get food poisoning ; the merchants of both food truck services left no way to contact them via a phone number. they claimed they do business with XXXX. I submitted a claim for both purchases through Wells Fargo Claims center through their desktop website saying the same thing ; that the food made me sick, and i immeadtely requested a refund for both services. Wells Fargo alleges that it takes them 10 FULL BUSINESS days to resolve said claim. This is unacceptable. Wells Fargo has also made numerous threats to close my account, in which i find offensive since i've been a member with them for YEARS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A