Date Received: 2023-10-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: new auto loan with wells fargo was opened on XXXX and was paid in full on XX/XX/XXXX. Wellsfargo initially failed to issue a paid in full letter and when they did it had the incorrect date. Letter that wells fargo posted to the online account document section still shows XX/XX/XXXX. Wellsfargo acknowledges the error on their end but refuses to correct the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am listed as a joint account holder for a Wells Fargo credit card. There have never been any late payments. However, the other named account holder filed Chapter 13 bankruptcy ( I was unaware until I received a credit reporting notification that the account was closed and charged off ). I called Wells Fargo a number of times and explained that I am trying to obtain a mortgage, but this charge-off is negatively reflecting on my credit. I was forced to pay the account off to try to show good faith on my credit report. Wells Fargo should not have required payment to change the status of the account because the joint account holder filed for Chapter 13 bankruptcy. Additionally, the account holder who filed bankruptcy is required to pay the account off so, Wells Fargo is incorrectly reporting this account as a charge-off on my credit reports. I asked a number of times for at least a letter showing that I paid the account off. I was told XXXX different time frames by individuals in the Bankruptcy Department and was ultimately promised that a letter would be mailed to me on XX/XX/2023. This has caused substantial harm to my credit scores. Call Notes : XXXX @ XXXX a.m. : spoke to XXXX- confirmed that dispute was submitted on my behalf on XXXX to the credit bureaus to confirm whether I filed for bankruptcy - cant provide tracking number - provided me with the phone to XXXX ( XXXX ) to check status - called XXXX, but the agent said he couldnt see the dispute Wells Fargo Credit Card ( XXXX ) XXXX XXXX XXXX XXXX XXXX provided by XXXX XXXX XXXX Wells Fargo Bankruptcy Department ) XXXX XXXX Spoke with XXXX @ XXXX am - she submitted dispute to have charge off removed from credit - should receive the response within 60 days via mail XXXX - tried faxing XXXX XXXX XXXX Wells Fargo Credit Bureau Dispute XXXX department - number never would answer/work XXXX @ XXXX pm : spoke XXXX XXXX in Bankruptcy - account will still show up as closed & charged off even if paid in full ; XXXX @ XXXX pm : spoke to XXXX in Bankruptcy - said only a few members in bankruptcy dept - can only accept payment via bill pay or check - once payment clears can call her back and she will guarantee send me a paid in full letter within XXXX business days XXXX Bill pay information XXXX Wells Fargo Services XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Amount : {$680.00} Paid in full XXXX @ XXXX pm XXXX XXXX XXXX XXXX XXXX : Spoke to XXXX in Bankruptcy @ XXXX pm- confirmed payment received on XXXX - provided her my current mailing address - will mail letter XXXX business days from the XXXX - XX/XX/XXXX is the mail out date
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a field credit inquiries what should I be on my credit report? I do not recognize the high need them to be removed as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48309
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I received a notification that someone was trying to use my debit card.They denied it and sent me a new card however they sent it to the address of the person trying to use it.I had no clue until it was too late and they had taken XXXX $ out of my account, I filed a claim to get reimbursed and after 2 and a half weeks my claim was wrongfully denied.Now XXXX $ is missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92570
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, my car was broken into in a parking lot and my purse was stolen. At XXXX, I realized it had been stolen and turned off my credit card, trying to figure out next steps as I was still working with a client and was unable to give it my full attention. Between XXXX I received a series of emails from Wells Fargo stating that my debit cards were being charged. In total, 3 Wells Fargo debit cards were used at a nearby XXXX, and 4 transactions were attempted : 2 for {$500.00} and 2 for {$500.00}. Only 1 out of the 4 transactions went through, and the others were declined. All declined transactions were marked as " insufficient funds '', although at least one of the accounts certainly had sufficient funds, so I believe it was declined for suspicious activity. I also received an automated Fraud Alert email at XXXX, asking me to verify two of the transactions on the same account : {$500.00} which was approved ( this is the one my claim is for ), and {$500.00} which was declined. This email shows that their system automatically flagged the transactions as fraudulent. As soon as I was able, as I was still with my client, I turned all of my cards off ( some were automatically turned off due to fraud detection ) and called the police, then Wells Fargo. I filed a police report and my clients gave witness statements. I spoke with multiple Wells Fargo representatives to order new cards and report the one approved transaction as fraudulent ( this call took place around XXXX ). I was told I didn't need to report the other transactions as fraudulent because they were declined. Wells Fargo issued me a provisional credit for that {$500.00} transaction. I then went to the XXXX store where the fraud took place and searched through trash cans to try to locate my purse, as well as speaking to a store manager who reviewed the security footage and confirmed that two men in masks had used my cards to attempt to purchase {$500.00} XXXX gift cards, and were successful at purchasing two - one with my aforementioned Wells Fargo debit card, and one with a credit card from another bank. On XX/XX/2023, the provisional credit was reversed, and I was charged {$500.00}. I noticed this on Sunday, XX/XX/XXXX, and called Wells Fargo, and was told by a representative that I would need to call back the following day to speak with someone at the claims center. On XX/XX/XXXX, I called the claims center and was told that the claim was closed with no evidence of fraud and they would not provide me with any information as to the reason. I then went to my nearest Wells Fargo branch, sat down with a banker, and he went through the same steps that I did and was told on the phone that no information would be provided and they would not reopen the claim. On XX/XX/XXXX, I found a letter from Wells Fargo from XX/XX/XXXX that I had not previously seen, informing me that I was entitled to copies of the documents used in making the decision to close my claim. I called the number listed and requested those documents, and was told it could take up to 30 days to receive them and that even with these documents, my claim was highly unlikely to be reopened. Wells Fargo 's website states that " Wells Fargo Debit and Credit Cards come with XXXX Liability protection at no extra cost. You wont be held responsible for unauthorized card transactions, as long as you report them promptly. '' I reported the transactions promptly and took all possible steps to provide as much evidence as possible, so I should not be held responsible for the unauthorized transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I hope this message finds you well. I am writing to express my concern and seek immediate resolution regarding an unauthorized charge and the subsequent overdraft fee incurred on my account. On XX/XX/2023, I made a payment of {$140.00} to my account with XXXX XXXX XXXX. I promptly realized a mistake had been made and immediately contacted card services via the XXXX support line to request a cancellation of this charge. I was assured that the charge would be reversed. Consequently, I resubmitted the payment on the same day to my correct account at XXXX XXXX XXXX, which was successfully posted on XX/XX/2023. However, I was dismayed to discover that on XX/XX/2023, XXXX 's card services attempted to withdraw another {$140.00} from my now inactive account at XXXX XXXX XXXX. This attempt not only was unauthorized but also resulted in an overdraft fee of {$30.00} being debited from my account. Upon contacting XXXX 's card services, even after verifying the accuracy of the aforementioned transactions, I was informed that the charge on XX/XX/2023 ( which is not reflected on my account ) was authorized. I want to categorically state that this charge was not authorized by me and has resulted in financial damages amounting to {$30.00} at the time of lodging this complaint. Moreover, I am deeply concerned by the comments made by XXXX 's XXXX Services, indicating potential unauthorized attempts in the future. This raises significant security concerns and demands immediate attention. I kindly request the following actions to be taken : A thorough investigation into the unauthorized charge dated XX/XX/2023. Reversal of the {$30.00} overdraft fee incurred due to the unauthorized charge. XXXX that no future unauthorized attempts will be made on my account. A written confirmation detailing the resolution of these matters. Your immediate attention and swift resolution of this matter are crucial to maintaining the trust and confidence I have in your institution. I appreciate your understanding and cooperation in advance. Thank you for taking the time to address my concerns. I look forward to your prompt response and resolution of this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was scammed by a seller on XXXX XXXX. The seller stole XXXX dollars and never sent the item. I tried to dispute the transaction, giving my bank as much information as needed ( pictures tracking numbers, screenshots ) and was denied and told to dispute the option with the seller. The seller has blocked me on all platforms and denied my refund request, so I am unsure of what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I filed a complaint after receiving an XXXX alert that Wells Fargo added derogatory information to my XXXX credit report just hours after I lodged a complaint against it with the Consumer Financial Protection Bureau ( CFPB ). Today ( XX/XX/2023 ), I received another alert that Wells Fargo has engaged in similar conduct by adding derogatory information to my XXXX credit report. Federal consumer protection laws prohibit retaliation against any individual who files a complaint with the CFPB. In addition, Wells Fargo continues to falsely report on my credit report that I had a " Wells Fargo Preferred Customer Account ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I discovered a fraud charge of {$4500.00} from XXXX XXXX XXXX in my Wells Fargo checking account and nothing has been done that was promised to me by Wells Fargo. First, this company had charged me around {$800.00} around XX/XX/2023. I contacted Wells Fargo and told them It was fraud and asked them to stop the pending payment and make sure no additional charges could be made. They canceled my card and assured me that no charges could be made. I contacted the bank about a week later to check on this and they said that there were no charges at all from the rental car company and they could not find any record of the {$800.00} charge that I had previously seen pending. However, a few days after that I received a {$4500.00} pending charge on XX/XX/XXXX on the canceled debit card and reported the fraud the same day. The fraud department said there was no way that I would be held responsible for this especially because it was on the canceled card, but then Wells Fargo has failed to do Its due diligence and I have not received any of the money back. I have received fee after fee ( close To {$1000.00} ) because of being overdrafted and this is causing so many more issues than just that {$4500.00} fraud charge, which is a huge amount for me in the first place. I did not rent a car. I have not rented a car in years and I know nothing about this charge because I went directly to my bank because of the large amount. Please help me. Im so scared this is literally running my life and my daughters life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
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: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: There is too much information to include in this questionnaire. I ended up doing a short sale with some shady real estate broker. I had listed the house for sale and when the closing date was coming up, I was informed that HUD had a lien on my home. I was unaware of this. Did they include this information in the book of paperwork they sent me to sign? Perhaps I'm not a paralegal or a lawyer and relied on the Wells Fargo Employee to inform me of details beyond a basic modification. I did not see it I was not informed about this when speaking with the Wells Fargo representative who was handling my LOAN MODIFICATION. This company is taking money from the government with no repercussions. It's despicable.
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 explanation
Timely Response: Yes
Consumer Disputed: N/A