Date Received: 2023-10-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo charged me XXXX XXXX dollars over a 10 year period in false overdraft and no sufficient funds fees. I had finally had enough of their false and double charging my account in XXXX or XXXX and closed my account. They tried to send me a check for XXXX dollars which was far, far less than than what I was owed. I called them requesting they reevaluate what they owed me. I left message after message and they never returned my call or sent the information. I tried to update them with a new address thinking maybe they'd attempted to contact me and didn't have the right address on file but they never got back to me. This amount is maybe in the XXXX of XXXX of dollars. I need to see my bank records and I need to update my address with them and then receive a that money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89431
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/XXXX, Wells Fargo fraud department contacted me to notify me of several suspicious transactions that were attempted using my debit card information. I reported to them that I did not make these transactions or authorize them. The transactions originated out of XXXX, XXXX, and I live in XXXX, AZ. I was in XXXX in XX/XX/XXXX, so it's entirely possible XXXX of the vendors I paid for while briefly in XXXX for a lay-over and then a cancelled flight, collected my card information and used it fraudulently. I returned from XXXX ( XXXX ) on XX/XX/XXXX. Wells Fargo issued me a provisional credit for the amount of {$4100.00} at my request until their investigation was complete. On XXXX a letter was mailed to me from Wells Fargo, informing me that the investigation was complete and they determined that " the charges were made by you or someone who had your permission. '' The provisional credit was reversed, which I discovered a week later when they were taken out of my account and I actually received the letter. I called Wells Fargo claims and fraud the next business day ( Mon XX/XX/XXXX ) and requested to appeal this decision. I was told there is no appeal process and Wells Fargo fraud dept. does not accept appeals. Decisions are final. I requested information about the investigation including the details/basis on which they made their determination. I was told they don't release this information. I find it incomprehensible that their fraud detection flagged these transactions as suspicious in the first place, but then decided to blame me for them. I was not physically present in the originating location ( XXXX ) on the date these transactions occurred. I was at work in XXXX, AZ and can provide proof and witnesses. The vendors and types of transactions are outliers if XXXX were to review my monthly transaction history. I've never purchased anything from these vendors before and the vendors I have used in the past to purchase these types of products ( computer and accessories ) are not related to these fraudulent vendor transactions. I've just been robbed of {$4100.00}, and Wells Fargo is assigning blame to me for it. I now am working to change banks as I can no longer trust Wells Fargo to be my banker. I would like to appeal their decision or do whatever is possible to reverse their decision and get my money back, or at least make others aware that this has been my experience dealing with Wells Fargo fraud department. I would like any documentation I can get with regard to their investigation and determination. I'm attaching my bank statements covering the time period of the transactions and also the determination letter I received. The claim number is on the letter I received, but is : claim # XXXX. Transactions in question occurred on : XX/XX/XXXX, " XXXX XXXX XXXX XXXX XXXX '' for {$720.00}, XX/XX/XXXX " XXXX XXXX XXXX XXXX '' for {$2600.00}, XX/XX/XXXX " XXXX XXXX XXXX XXXX '' for {$770.00}. All XXXX transactions initiated on XX/XX/XXXX but are listed with the above dates when looking at my statements. I was asked numerous times throughout the process if I have the card in my possession, which I answered Yes. I was also asked if I had authorized anyone else to use my card, which I answered No.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85704
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: 2023-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: THIS IS THE 5TH TIME THIS MONTH ALREADY IM DEALING WITH THIS ISSUE!!! WELLS FARGO EXECUTIVE AGENTS ARE NOT HELPING!!! LOOK AT MY PREVIOUS COMPLAINTS!!! MY CARD IS ALWAYS DECLINING AND CAN NEVER SPEND IT!!! I NEED MY MONEY!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
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: Deposits and withdrawals
Consumer Complaint: Wellsfargo XXXX vehicle was repossessed due to freeze on account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
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: 2023-09-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: This is my short story and complaint : I was a single mom with XXXX children for over 30 years. I rented a home for fifteen years until one day I received a notice from the landlord that we had thirty days to vacate because his home was in foreclosure. Thirty days after fifteen years we were devastated. So, let me back up eighteen years from today. My son and I applied for a loan together so we could purchase a home and never be thrown out on the street again. It took us several months, but we found a home and secured a loan. The mortgage has been with Wells Fargo Bank for the last ten or so years. The reason my son co-signed was to help me secure a loan due to my low credit score and income. In XXXX of XXXX my son bought a home, got married. Its long overdue and time to remove my son from this loan and take him off the deed. He has never made a mortgage payment for me or paid any utility bills. One of my buggiest reasons for needing my son off the loan and deed is to secure this home for my husband and my grandson. Six years ago, I remarried, and my daughter passed away. She left me with the biggest blessing, her XXXX son, now XXXX years old. My son and I have been estranged since his sister passed away, he wanted me to put my grandson up for adoption. My life has forever changed since the day my daughter passed. I have had a great job for over 16years in the insurance industry and make a reasonable living. I paid off all my dept recently and decided it was time to assume the mortgage and secure this home for my husband and grandson in case anything happened to me. I called Wells Fargo and asked if this could be done. I spoke to a man in the assumptions department. The mans name was XXXX XXXX Assumption Mortgage Specialist ( SAFE ) Consumer Direct Sale XXXXXXXX XXXX XXXXXXXX He took my application over the phone, ran my credit, and said I should have no problem that the requirements are a XXXX XXXX XXXXXXXX XXXX and above and verification of employment. I received the application in the mail around XX/XX/XXXX. I looked over the packet and noticed some mistakes. I was listed as single and as a XXXX. On XX/XX/XXXX I received a phone call from a XXXX named XXXX XXXX. Senior Loan Processor ( SAFE ) XXXX XXXX XXXXXXXX Centralized Retail Fulfillment Wells Fargo Home Mortgage Attn : Assumptions Department XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX Tel XXXX ext XXXX | Fax XXXX Business hours : Monday Friday XXXXXXXX XXXX XXXXXXXX XXXX Central Time XXXX She said she was my loan processor, and she would be sending me an email with instructions explaining what I needed to do so we could move forward. I received the email as she stated on XX/XX/XXXX. I signed and dated all the documents and sent them back to her. After I sent her all my personal bank statements and W-2s via email, XXXX next email was sent to me as a secure email. I wondered why I didnt have secure email before when she asked for all my personal banking information, especially today with cyber breaches. On XXXX I received an email from XXXX XXXX stating she sent all my info to the underwriter for the initial review, and it should take 10-14 days to hear back from her. On XXXX I received another email from XXXX. Hi XXXX, I am just checking in on status of your loan. We should hear any day now. I will keep you updated. Have a great day! On XXXX I called and left a message in XXXX voicemail asking her if she heard anything. A few hours later she called me back asking me how I was doing and why I was so anxious about the loan going through, I found this odd. She then went on to say I dont have good news you were denied. I asked why? She said Well, your credit score is XXXX, and you had two lates on your credit report, and because of this you were denied, I said what credit card was I late on? She told me it was two credit cards it was XXXX XXXX and XXXX. I said impossible I have XXXX XXXX on automatic withdrawal and XXXX XXXXXXXX is paid in full. She said Im sorry you wont be able to re-apply for another twenty-four months due to the two lates. Then she said, however ; I will have XXXX call you and she can help you with a re-fi. I said a re-finance?? I am getting denied for an assumption for a loan I had with Wells Fargo for over ten years with not one late payment at 4.1 % and only {$120000.00} left on the loan and youre telling me that FHA loans have strict requirements. But I should try to re-fi at 7.5 % In conclusion I never received a call from XXXX. I did call XXXX XXXX today XXXX and received a voice message that she is out of the office until the middle of XXXX and if I need to speak to someone call XXXX XXXX at XXXX so I called and left a message. Then I called XXXX supervisor XXXX XXXX at XXXX and could get through to that person because the number was incorrect. I obtained these numbers off the voice mail of XXXX and XXXX out of office voice message. I had my credit re-run by a loan officer with another company and its a XXXX. I paid off all my dept except for 3 credit cards. My dept to ratio is under 40 % I want to know the real reason I was denied. Was it because Wells Fargo wanted me to refi into a new loan at 3.5 % higher than where I am? This doesnt sound right. So, I am hoping by filing this complaint I will either get the real answers or have the assumption reviewed by someone in higher authority. I have all the documentation attached and if need be, my credit report can be looked at again with a clearer pair of eyes. How do Banks get away with this stuff. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I want to bring attention to a series of fraudulent charges that have been made on my banking account. I have filed disputes regarding these charges but have not yet been reimbursed for the unauthorized transactions. Multiple credit cards, including XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX Pep Boy, were affected by these fraudulent charges. The fraudulent activities have been ongoing from XXXX to XXXX, leading to the closure of my Wells Fargo bank account due to the excessive number of fraud charges. Despite my efforts to dispute these charges with Wells Fargo 's customer service fraud department, they have informed me that the volume of charges is too high to handle individually. In light of this situation, I have taken the necessary steps to file a police report to document the fraudulent activity and provide evidence to Wells Fargo. Because of the closure of my Wells Fargo account, my credit card payments were returned even though I had consistently made all payments on time. This has resulted in a negative impact on my credit report. 1 kindly request that Wells Fargo thoroughly investigate the fraudulent charges and reimburse me for the unauthorized transactions. Additionally, 1 urge them to take appropriate measures to rectify the negative impact on my credit report caused by the returned payments. 1 appreciate your prompt attention to this matter and look forward to a resolution that is fair and just.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a checking account with Wells Fargo. I made a cash and check deposit. Wells Fargo closed the account, saying that I am too risky of a customer because the check bounced. The check didn't bounce. It cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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 giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18017
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: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Several withdrawals were made from this Wells Fargo HELOQ account after I had requested that the account be closed, while it was still with XXXX XXXX. I must be able to prove the withdrawals from this account to the court in order to present my case for fraud and embezzlement, as the funds were withdrawn without my knowledge or permission. This loan is entering a repayment phase, I need proof of all withdrawals to prove the current balance of {$100000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A