Date Received: 2023-10-02
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: On XX/XX/XXXX, someone claimed he purchased 3 items from XXXX using my Wells Fargo Credit card double cash card ending with XXXX. Two were pre-approved ( {$1000.00} and {$890.00} ) and 1 denied ( {$1900.00} ). I got an alert email from Wells Fargo about the transactions on the same day XX/XX/XXXX. I called, on the same day XX/XX/XXXX, Wells Fargo customer service, reported that I dont have anything to do with these 3 transactions, filed a claim and immediately changed my credit card number. A few weeks ago, I was shocked to receive a letter from Wells Fargo stating that 2 transactions were approved. I filed another dispute with Wells Fargo. I provided more documents about the issue. They refused again. I have had an XXXX account since XXXX. I never had any such issues. I provided Wells Fargo the following : * ) All my XXXX purchases since XX/XX/XXXX to XX/XX/XXXX in a pdf file. All my valid XXXX purchases have a valid XXXX order number in the description ( XXXX ) The 2 fraud charges descriptions on XX/XX/XXXX dont have such a valid XXXX order number. Talking to XXXX fraud department, they mentioned legitimate XXXX orders always show the XXXX order number on my card statement. Why Wells Fargo didn't contact XXXX and check on all my XXXX transactions? They have all my information. Plus I called Wells Fargo the dame day ( XX/XX/XXXX ) to cancel the 2 transactions. They didn't. Why they cancelled one transaction on XX/XX/XXXX and approved 2 transactions? Wells Fargo never told me what was purchased on XXXX XXXX by who? shipped to where? I asked these questions more than once, no answer. I talked to XXXX fraud activity department ( XXXX XXXX XXXX or XXXX XXXX XXXX ). They also confirm that I didnt have any transactions around XX/XX/XXXX. * ) I filed a police report. * ) I filed a report with FTC. * ) Next I will go to court if this is not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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: Wells Fargo mailed a credit card to the wrong address. As a result an unknown person obtained cash benefits from a Wells Fargo XXXX and a Wells Fargo ATM. Wells Fargo refuses to classify the transactions as XXXX, however they do admit that the card was in fact mailed to an address other than my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO DEALER SVC XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2019 I disputed charges that I consider should not be allowed in my account, they ignored me since they never gave me a response, and despite that, I made the payments, even with the account open I disputed the charges again and again they did not give me answers. Still, make the payments that corresponded to the account. But I am surprised that they reported incorrect dates and that my disputes for charges were never registered, I asked them to investigate first, and they told me that they would investigate and that it would take 10 days, but then the next day they told me that they can not find my information and that They don't know what I'm asking for and that I send everything again and that I must wait 30 days again for them to give me a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, a WELLS FARGO Bank voided check ( attached ) in the name of XXXX XXXX XXXX and XXXX XXXX was received and processed by our client - XXXX XXXX XXXX XXXX. The check was provided as proof that XXXX XXXX had an account at the WELLS FARGO bank so that any money due to Access from XXXX would be paid into the Wells Fargo account. This was however false, as XXXX XXXX did not operate any active checking or savings account with Wells Fargo Bank at the time. The purpose of this request by the fraudulent WELLS FARGO customer to XXXX, was to fraudulently obtain invoice payment due to XXXX XXXX XXXX via XXXX into the bank account provided on the voided check. Even though XXXX XXXX did not have an account at WELLS FARGO, the request was successful, and XXXX paid funds due to XXXX XXXX XXXX into said account which did not exist for Access Healthcare Staffing. XXXX confirmed to us via email that their bank had notified them that WELLS FARGO acknowledged receipt of such funds and realized that the account was fraudulent and subsequently CLOSED the account. WELLS FARGO never contacted XXXX XXXX or refunded said funds to XXXX. This matter was reported to the XXXX ( police ) once we were notified by XXXX that no other payment would be made to XXXX XXXX to cover the outstanding invoice due, as WELLS FARGO bank did not return the funds to XXXX either. At the time, we had contacted WELLS FARGO severally, by phone to its team supervisors, and messaged its online fraud team to no avail. We were stonewalled by the answer that we were not direct consumers, and a police detective was investigating the matter. Wells Fargo refused to provide details or investigate this fraudulent transaction as we ( XXXX XXXX Staffing ) did not bank with Wells Fargo. This was duplicitous, as a check in the name of XXXX XXXX Staffing had been received and banked by Wells Fargo. They failed to flag the account as fraud because We did not have SAID permission. Overall, Investigations stalled due to the XXXX pandemic and a change in officers handling the matter at XXXX. XXXX XXXX Staffing is a small business and suffered losses due to this loss of business income. Please note that WELLS FARGO bank was used to defraud XXXX XXXX XXXX and XXXX XXXX WELLS FARGO had an obligation to act promptly and swiftly ; investigate this fraud and re-imburse us for the following reasons : a ) The funds were paid by WELLS FARGO into an unmatched account. An EFT issued for XXXX XXXX AND XXXX XXXX XXXX in the amount of {$6400.00} was paid into a personal/ an INDIVIDUAL 's account. b ) XXXX is a corporation with a business account and its funds should not have been received into a personal account. c ) WELLS FARGO should have had a robust system and/or management process in place to detect fraudulent activities of this nature. d ) WELLS FARGO was obligated to reject, hold, review and block the said transaction and return funds to XXXX but failed to do so and hid behind the fact that XXXX XXXX Staffing was not its direct customer. XXXX ) WELLS FARGO did not abide by the provisions of the EFT Act of 1978 which protects consumers engaged in financial transactions of this nature and failed to investigate the fraudulent activity. Banks are required to investigate reported EFT transactions that defraud consumers. We are aware that our client reported the unauthorized EFT activity of stolen funds to the bank. The bank failed to take any action under the guise that we were not one of its customers. However, its customer used its bank to defraud XXXX XXXX XXXX and XXXX XXXX and WELLS FARGO is liable to refund Access Healthcare Staffing and XXXX XXXX, the sum of {$6400.00} plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: To Whom It Concerns : Im writing this message because I was the victim of fraud and identity thief. I recently banked with WellsFargo since they bought XXXX. I had multiple checking and saving account with WellsFargo along with a Credit Card. I had thousands of dollars in my account which WellsFargo choose to charge me service fees and other fees which they did not have prior authorization. My account XXXX out and they began to charge my credit card when they did not have prior authorization receive written nor verbal authorization from me to do so. I called in many times before to have WellsFargo stop their fraudulent activity but they never did. I got a letter in the mail stating I own them {$710.00} of the which {$300.00} is due and the past due amount is {$240.00} I called them again and I spoke to an agent by the name of XXXX XXXX who listened and then had conference his supervisor by the name of XXXX XXXX. He then had to further transfer me to another department, the executive team. When the agent came on the phone she did not want to properly identify herself, she gave me the name of XXXX I and did not want to give me her full last name which she stated it was against company policy, she ended up giving me her employee ID but when she repeated it the number was inconsistent, but then the other two gentlemen gave me their last names without an issue. I asked XXXX to get someone else on the line since I was not comfortable speaking to someone I who does not identify themselves correctly. XXXX then calls back the executive team. He was able to bring over XXXX but she said that it was against policy to give out her last name and employee ID. There were too many inconsistencies when trying to resolved this issue with WellsFargo. This has adversely affected me in ways beyond conceivable. I'm not able to apply to for a house in the good areas that I need to. I am unable to buy the necessary car that I need. This has stressed me out thinking of what the other companies would do. As of today XX/XX/XXXX WellsFargo has effected my credit and have taken all the funds in my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Spoke with agent ( beginning of XXXX ) on phone after receiving XX/XX/XXXX escrow estimate statement. Asked why so much when my payment already went up from {$630.00} last year. Now it shows a shortage of {$1500.00}? They said it was because my property taxes went up almost {$200.00} a year and my hazard insurance went up by {$700.00} a year to {$1900.00} ( almost {$700.00} a year ). I called my house insurance company and had them up the deductable, etc so my new insurance premium is {$1400.00} saving me {$470.00} a year and sent that to Wells Fargo, they were going to " correct '' the escrow estimate. We were on hold for over XXXX mins with the escrow account person who was supposedly correcting the estimate right then and there. Instead of it going down for the reduction in insurance costs - it went up. The agent told me to pay the {$840.00} payment and the system would process overnight and it would be applied the next morning. I went to pay my house payment yesterday, XX/XX/XXXX and the phone system told me I needed to pay {$1500.00} +. I called them back and they said my monthly payment for XXXX and XXXX went up to $ XXXX to get my new monthly payment down to {$810.00}. Not sure why so they explained to me. Their explaination is " that I have an FHA XXXX XXXX loan and that the FHA required them to withhold XXXX ( XXXX ) times that actual amount being paid towards my hazard insurance and property taxes in my escrow account and it is now showing up as a huge shortage of $ XXXX a month instead of the {$67.00} a month. I contacted the FHA and they sent me information that shows requirements as being amount and XXXX as cushion. Re : Respa10 " During the course of the loan, RESPA prohibits a lender from charging excessive amounts for the escrow account. Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/XXXX of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, not to exceed an amount equal XXXX of the total disbursements for the year. ". So they are charging a cushion of 2 times everymonth per their agent instead of XXXX which equals XXXX months cushion. So, I have contacted the FHA and was referred to XXXX XXXX ; and then XXXX XXXX confirmed that they thought they ( Wells Fargo ) were withholding too much and referred me to XXXX and the CFPB. XXXX, who in return referred me to CFPB also and suggested getting an attorney ( which I can't afford ).
Company Response:
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX I submitted a credit application to purchase a used XXXX XXXX XXXX. Upon completion of the paperwork, the application converted into a security ( 12 CFR 204.104 ) that my intent was for it to be used for an advancement of the required funds from the XXXX XXXX XXXX, and to be used to set off the balance due. This XXXX was filed with the Georgia XXXX XXXXXXXX XXXX ( Exhibit 1 ). On XX/XX/XXXX and XX/XX/XXXX, Wells Fargo was served with tender of payment ( XXXX XXXX ) and instructions ( XXXX XXXX ( XXXX ) ) to use the advancement of Federal Reserve Notes for set off of the account. Wells Fargo failed to follow the instructions received by me via USPS mail.com ( Exhibit 2 ). In a letter dated XX/XX/XXXX Wells Fargo supplied me a a copy of the credit application ( show its knowledge there was no loan ) and a copy of a XXXX security that is electronically signed and that has additional language in the body of the XXXX XXXX. it is also different from the one on file with the XXXX XXXX XXXX XXXX Georgia. ( Exhibit 3 ). that converted my consumer transaction into a loan. XX/XX/XXXX- Wells Fargo sent XXXX XXXX XXXX to repossess my XXXX from my home. A cease-and-desist letter was sent to stop all collection activities because they were attempting to collect on a forged retail installment sales contract. This letter was served on agent ( XXXX XXXX XXXX XXXX and its Principal ( Wells Fargo ). Wells Fargo continued with its harassment, threats, and abusive practices by attempting to extort a XXXX payment from me utilizing the fraudulent XXXX XXXX that was included in Exhibit 3, XX/XX/XXXX letter ( Exhibit 4 ).. On XX/XX/XXXX - Wells Fargo, using the Fraudulent XXXX XXXX as justification seized my vehicle from the XXXX XXXX in XXXX, Georgia by and through its repossession agent XXXX XXXX. I filed a complaint with the CFPB ( XXXX ) on XX/XX/XXXX, for the actions of Wells Fargo and its unlawful repossession. On XX/XX/XXXX Wells Fargo responded through the CFPB with the following statement " As for the personal property claim, until the vehicle has been paid in full, Wells Fargo is the official lien holder. '' Wells Fargo failed to address the XXXX XXXX in its response. ( Exhibit 5 ). In a letter dated XX/XX/XXXX Wells Fargo admitted it had possession of my Tahoe while continued to attempt to extort money from me stating I would have to pay them to " redeem '' the right to my XXXX Tahoe or it would be sold around XX/XX/XXXX. ( Exhibit XXXX ) On XX/XX/XXXX I instituted a lawsuit against Wells Fargo under the FDCPA where they claimed they were collecting on their own debt. Wells Fargo maintained throughout the litigation that it held a security interest and was acting as a creditor and not a debt collector. In XXXX of XXXX, Wells Fargo sent me a check for overpayment because I fulfilled the obligation ( payment was tendered in XX/XX/XXXX ). ( Exhibit 7 ) I asked Wells Fargo 's attorney when my vehicle would be returned, and she stated it was transferred back to XXXX XXXX XXXX. ( Exhibit 8 ). Based on information that they finally credited my XXXX payment ; I filed a request of documents from Georgia XXXX XXXX XXXXXXXX XXXX XXXX Records show that Wells Fargo released its security XXXX on the original XXXX on XX/XX/XXXX. ( Exhibit XXXX ). Wells Fargo, under the XXXX XXXX had a good faith duty to perform, and failed to return my vehicle upon release of security interest days after it ordered it to be seized. Wells Fargo continued to act in bad faith maintaining it had a security interest and my claims that it did not were false and frivolous. From XX/XX/XXXX, until this complaint - Wells Fargo has injured the consumer and acted against the Fair Debt Collection Practices Act and the Fair Credit Reporting Act as they are reporting this account closed and charged off which is contradictory to its payoff letter and refund check. Wells Fargo has engaged in a pattern of this behavior which has been documented by the CFPB ( see XXXX ) and continued this patter to harm this consumer in the following ways : 1. Created a fraudulent security ( XXXX XXXX ) stealing Consumers Identity - 2. Using fraudulent XXXX XXXX to ignore initial payment and attempt to extort the consumer 3. Conspiring with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to deprive consumer of his property and possessory rights to his XXXX XXXX. XXXX. Converting my property right and right of possession of the XXXX XXXX. Misrepresenting in a Federal Court that it had lawful security interest in vehicle subsequent to releasing its interest on XX/XX/XXXX. XXXX. Intentionally and willfully violating the law by re-assigning a title and vehicle it had no lawful right to control back to XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
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: On the XXXX of XX/XX/XXXX I had went to my bank mobile app and noticed that there was an ATM check deposit in my account of {$2500.00} and then another one of {$1500.00}. The location of these transaction were made in XXXX CA when I live in XXXX XXXX and was working at the time. The only one that has access to this account is my son and he also lives in XXXX XXXX and was here as well. Right away they took out {$480.00}, {$2500.00} and then {$1500.00} and then {$3000.00}. I right away called the bank and they closed the case because they thought it was my son but my son does not have an atm card for that account. They opened it again and then they closed it again and then they opened it again on XX/XX/XXXX saying they will get in touch with me within 10 days and nothing ever happened. Those checks were also not in my name and not only did they take those checks money but they also stole my money that i had on that account and the bank has not done anything about it. I am currently - {$1500.00} because of it. They also closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A