Date Received: 2023-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXXXXXX PRODUCT Checking or savings account ISSUE Opening an account We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Dear CFPD, In XXXX Wells Fargo Bank began opening fraudulent homeowners insurance accounts for me. They claimed the loan I had with them required the insurance but I didnt have it. I had active homeowners insurance but they didnt care they still created more and more fraudulent accounts and charged my checking account. I requested a refund but they refused. They offered me {$50.00}, {$100.00}, and {$1000.00} on a {$15000.00} claim to close my complaint. I refused their minimum offers because they destroyed my credit and gave me eight years of grief so far on this issue. They even assigned a negotiator but only offered me {$1000.00} which I refused while requesting {$15000.00}. I am requesting your assistance to resolve this dispute. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Well Fargo claim XXXX, filed in XXXX of XXXX. XXXX XXXX Dear WFClaims, I am so tried of attempting to contact you regarding your financial abuse of our banking systems and the Federal Governments direction to you to resolve your illegal Wells Fargo account activations. I first noticed you illegally account creations for me back in XXXX. You created thousands of dollars worth of charges on my Wells Fargo account because you incorrectly charged my account because you thought I didnt have home owners insurance on my home used as security in my Wells Fargo mortgage. Thousands of dollars of fees were generated because you magically created homeowners insurance accounts for me without my knowledge. When your illegal actions were discovered the litigations began. You started off offering me {$50.00} to forget the issue, then {$1000.00}. See the below emails. I rejected them all because you have caused me tens of thousands of dollars of pain over theses issues. Then you just decided to ignore me. I filed a claim with Wells Fargo regarding how they stole thousands of dollars from me by creating duplicate homeowners insurance policies for me and paying for them by stealing the payments from my Wells Fargo checking account. Wells Fargo claim # XXXX, filed in XXXX of XXXX. XXXX new account. # XX/XX/XXXX. My claim originates from Wells Fargo creating non-authorized homeowners insurance accounts in my name for the line of credit I have with them. They required that I have homeowners insurance and after I got it and informed them of it they then created non-authorized parallel homeowners insurance accounts for me on two separate occasions. Just one event resulted in a duplicate {$400.00} per month homeowners policy for approximately 11 months. The other cost me {$600.00} per month for another duplicate homeowners policy for approximately 11 months. These outrageous premiums were generated by Wells Fargo granting access to my credit report to these insurance companies. The FCRA requires any user of a credit report to notify the consumer and Wells Fargo never notified me of these actions. Fair Credit Reporting Act ( FCRA ). Well Fargo automatically without my permission paid for these duplicate policies by stealing the outrageous month payments from my Well Fargo checking account! I knew nothing of these Wells Fargo illegal actions. Wells Fargo failed to inform me they purchase these duplicate homeowners policies for me thus I have no idea how many monthly payments they stole from my checking account. Wells Fargo has never provided me with any of this information and refuses to help resolve it or pay me back! I contacted Wells Fargo each time attempting to resolve these issues but they claimed they could do nothing and refused to do anything to resolve them. Each time Wells Fargo created non-authorized duplicate homeowners insurance policies that operated while my own homeowners policy was still operating. Wells Fargo stole these outrageous payments from my checking account and never informed me or paid me back. Wells Fargo stole money from me, caused me years worth of grief over these issues and damaged my credit report which caused me denial of coverage and much higher premiums... Well I am done requesting that you resolve this issue. My nexts complaint letters will be directly targeting the federal government agencies and courts that directed you to resolve your illegal account creations. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX XXXX XXXX Re : Well Fargo claim XXXX, filed in XXXX of XXXX. XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, Very well XXXX ( since you and Wells Fargo feel no responsibility for the thousands of dollars you stole from me while illegally creating duplicate homeowners insurance accounts in my name and also breaking numerous federal laws ) I will forward this case to federal authorities and the FCRA. XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : Good morning XXXX, Im sorry to hear you are still having concerns regarding your Wells Fargo Home Equity account. As we previously discussed on XX/XX/XXXX and again during our mediation session on XX/XX/XXXX the mediation program does not support Home Mortgage or Home Equity accounts or any issues or concerns regarding those at this time. Please contact Wells Fargo Home Equity Executive Complaints Office for further handling of your concerns at ( XXXX ) XXXX. I do apologize that I am unable to assist you further with this matter. Thank you, XXXX Claims Representative Wells Fargo Bank , N.A . Tel ( XXXX ) XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Claims Representative XXXX Subject : Well Fargo claim XXXX, filed in XXXX of XXXX. XXXX I filed a claim with Wells Fargo regarding how they stole thousands of dollars from me by creating duplicate homeowners insurance policies for me and paying for them by stealing the payments from my Wells Fargo checking account. Wells Fargo claim # XXXX, filed in XXXX of XXXX. XXXX new account. # XX/XX/XXXX. My claim originates from Wells Fargo creating non-authorized homeowners insurance accounts in my name for the line of credit I have with them. They required that I have homeowners insurance and after I got it and informed them of it they then created non-authorized parallel homeowners insurance accounts for me on two separate occasions. One event resulted in a duplicate {$400.00} per month homeowners policy for an unknown number of months. The other cost me {$600.00} per month for another duplicate homeowners policy for an unknown number of months. These outrageous premiums were generated by Wells Fargo granting access to my credit report to these insurance companies. The FCRA requires any user of a credit report to notify the consumer and Wells Fargo never notified me of these actions. Fair Credit Reporting Act ( FCRA ). Well Fargo automatically without my permission paid for these duplicate policies by stealing the outrageous month payments from my Well Fargo checking account! I knew nothing of these Wells Fargo illegal actions. Wells Fargo failed to inform me they purchase these duplicate homeowners policies for me thus I have no idea how many monthly payments they stole from my checking account. Wells Fargo has never provided me with any of this information and refuses to help resolve it or pay me back! I contacted Wells Fargo each time attempting to resolve these issues but they claimed they could do nothing and refused to do anything to resolve them. Each time Wells Fargo created non-authorized duplicate homeowners insurance policies that operated while my own homeowners policy was still operating. Wells Fargo stole these outrageous payments from my checking account and never informed me or paid me back. Wells Fargo stole money from me, caused me years worth of grief over these issues and damaged my credit report which caused me denial of coverage and much higher premiums. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX XXXX - Sent from my XXXX lender-placed insurance. XXXX XXXX XXXX By XXXX XXXX XX/XX/XXXX More than XXXX people who took out car loans from Wells Fargo were charged for auto insurance they did not need, and some of them are still paying for it, according to an internal report prepared for the banks executives. The expense of the unneeded insurance, which covered collision damage, pushed roughly XXXX Wells Fargo customers into delinquency and resulted in almost XXXX wrongful vehicle repossessions, according to the XXXX report, which was obtained by XXXX XXXX XXXX XXXXXXXX . Among the Wells Fargo customers hurt by the practice were military service members on XXXX XXXX. Wells Fargo, one of the largest banks in the United States, is struggling to repair its image after a scandal in which its employees created millions of credit card and bank accounts that customers had never requested. That crisis, which came to a head last year, toppled XXXX XXXX chief executive and led to millions of dollars in fines. The bank also stands accused of having made improper adjustments to the terms of the home loans of customers who were in bankruptcy, which Wells Fargo denies. XXXX Re : Well Fargo claim XXXX, filed in XXXX of XXXX. XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : I filed a claim with Wells Fargo regarding how they stole thousands of dollars from me by creating duplicate homeowners insurance policies for me and paying for them by stealing the payments from my Wells Fargo checking account. Wells Fargo claim # XXXX, filed in XXXX of XXXX. XXXXnew account. # XX/XX/XXXX. My claim originates from Wells Fargo creating non-authorized homeowners insurance accounts in my name for the line of credit I have with them. They required that I have homeowners insurance and after I got it and informed them of it they then created non-authorized parallel homeowners insurance accounts for me on two separate occasions. One event resulted in a duplicate {$400.00} per month homeowners policy for an unknown number of months. The other cost me {$600.00} per month for another duplicate homeowners policy for an unknown number of months. These outrageous premiums were generated by Wells Fargo granting access to my credit report to these insurance companies. The FCRA requires any user of a credit report to notify the consumer and Wells Fargo never notified me of these actions. Fair Credit Reporting Act ( FCRA ). Well Fargo automatically without my permission paid for these duplicate policies by stealing the outrageous month payments from my Well Fargo checking account! I knew nothing of these Wells Fargo illegal actions. Wells Fargo failed to inform me they purchase these duplicate homeowners policies for me thus I have no idea how many monthly payments they stole from my checking account. Wells Fargo has never provided me with any of this information and refuses to help resolve it or pay me back! I contacted Wells Fargo each time attempting to resolve these issues but they claimed they could do nothing and refused to do anything to resolve them. Each time Wells Fargo created non-authorized duplicate homeowners insurance policies that operated while my own homeowners policy was still operating. Wells Fargo stole these outrageous payments from my checking account and never informed me or paid me back. Wells Fargo stole money from me, caused me years worth of grief over these issues and damaged my credit report which caused me denial of coverage and much higher premiums. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXXXXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We`ve established contact with our customer, XXXX XXXX . We`ll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. Company responded STATUS Company responded on XX/XX/XXXXXXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for speaking with me about your concerns with insurance, monthly payment, communication with us, news coverage, and mediation process. I appreciate the opportunity to help you, we`ve reviewed these matters and are providing you with additional information. We began tracking insurance in XXXX, and sent notification when we could not verify insurance coverage in XXXX. While we never charged insurance to your account, we did obtain temporary policies to provide coverage for the property, and when we received evidence of insurance, the policies were cancelled. This did not involve a review of your credit history, and you were not financially impacted. The account reached end of draw, and your payment increased in XXXX, to ensure the account would be paid in full. The increase was to ensure the principal and interest was paid in full. We can confirm the temporary policies were not elaborated on in prior responses, nor did we clarify the end of draw situation, and apologize, as this may have clarified things sooner. We acknowledged the news stories involving Wells Fargo, and confirmed we did do a review as he claimed he was impacted by unauthorized accounts. Confirmed we completed a mediation session and we offered {$1000.00}, which was declined. While we can not negotiate this further, you may contact us to accept the offer. Here are important account details we`d like you to know. The next payment is due on XX/XX/XXXX. I`m glad we spoke about your concerns. I appreciate the opportunity to help you, and I`ve attached a copy of our response letter. ATTACHMENTS XXXX, XXXX ( XXXX XXXX ) Feedback provided STATUS Feedback provided on XX/XX/XXXXXXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS What payment for what balance for what account? I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS What payment are you referring to? There isnt any reference? THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS My account was charged thousands of dollars for make-believe home owners policies. Just because you can not locate these charges does not make them disappear. Wells Fargo made these changes, not me. You are accountable for the confusion not me. You financially attacked me I did nothing to Wells Fargo. You were the accuser and created the fictional charges and you automatically removed payment for your accusations from my Wells Fargo account. You are the accuser here not me therefore you must prove you did not remove these funds from my account. You are behaving ill-responsibly. You made the accusations so you are now responsible to prove Wells Fargo did not force me to pay for their make-believe homeowners accounts. You have zero evidence that Wells Fargo did not force me to pay for your billing. I certify that I watched in real time as Wells Fargo removed thousands of dollars from my Wells Fargo account. I was there I am a witness. You were not there so dont attempt to tell me what really happened. I saw it, I complained over and over. Wells Fargo didnt care then and still doesnt care. What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed my complaint? Even while Wells Fargo never repaid to me the XXXX of dollars they stole from me. They just tried to throw a couple dollars at me after stealing XXXX of dollars from me along with a decade of them harassing me without them being held accountable for creating fake insurance accounts and forcing me to pay for them and altering my credit card rates with absolutely no notice and then forced me to pay for the resulting fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I filed a complaint against Wells Fargo relating to misleading financing information on arrival for a dental appointment. My proposed resolution requested that Wells Fargo remove a derogatory credit card account from my file because I was misled and received the wrong financial product. I filed this complaint after attempting to work cooperatively with Wells Fargo for an extended period of time. I had hoped that this would be a painless process. Just hours after filing a CFPB complaint this morning, I received an Experian alert that Wells Fargo added new derogatory information to my XXXX credit file and " flagged [ my ] account as Charge-off ''. Attachments for review. Wells Fargo 's actions immediately lowered my credit score. Laws and regulations enforced by the CFPB include anti-retaliation provisions for those who file complaints. I have questions and concerns about why Wells Fargo flagged my account with derogatory information less than XXXX hours after filing a CFPB complaint.
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: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the victim of fraud. Please remove all fraudulent items immediately. My identity has been compromised three times since XXXX. During COVID and in XXXX, I have reported this to the local police department. in XXXX Mi as well as the FTC. I've also placed a freeze on all three credit bureaus here is a list of the fraudulent inquires and accounts number one is XXXX, XXXX, state of Michigan office XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48602
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Since I opened this checking account at Wells Fargo on XX/XX/2023 I never get my debit card, also I cant enroll into the online banking because the system requires that information because I dont have a XXXX ( im not XXXX XXXX ), I called several times to customer service and they denied the service to send me a new debit card to my address on file saying they cant verify my phone number ( same as the phone on the system ) This is the third claim I open here to have the issue fixed because im not in the XXXX to go to a branch. Just need the replacement debit card so I can enroll in the online banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 - XXXX pm XXXX received an email Wells Fargo was closing our account. Stated " the business decision has been made to end our relationship ''. XX/XX/23 - XXXX am PST learned that Wells Fargo had closed all our accounts ( XXXX savings, XXXX checking, XXXX credit card, XXXX loan and XXXX IRA ) all accounts were on a hard freeze without explanation - XXXX am we met with our local Personal Banker, XXXX XXXX XXXX XXXX. She was unable to get an explanation from anyone at Wells Fargo as to why they froze our accounts and ended their relationship with us. - From XXXX am - XXXX pm that day, we attempted to be escalated to the highest dept. within the Fraud Department and the Customer Advocacy Department. All anyone would tell us was that the bank made the decision and there was not reason why. At this point, we hired an Attorney to look into our criminal record, banking records and credit report to see if there was any red flag our fraud. Our Attorney found nothing. XX/XX/23 - XXXX am, met with our local XXXX XXXX, XXXX XXXX XXXX XXXX. WF released {$2800.00} of our assets to us, but made us accept cash. There was still not explanation as to why this is happening. XX/XX/23 - Received a call from the Wells Fargo Fraud Department, they still will only say they ended their relationship with us. No explanation given, our funds are still frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been a Wells Fargo customer for more than 15 years for both Business and Personal accounts. Over the last 2 - 3 years as I began moving my business account to XXXX XXXX XXXX, Wells Fargo began charging me overdraft fees for the previous day, even though my account was not negative. My deposits go directly into XXXX XXXX XXXXXXXX now, but I still have some auto paying bills that have not moved over yet. I have an alert set up on the account if my balance is low or goes negative, so I can make a deposit to cover. Over the last 2-3 years, I have been charged well over $ XXXX in overdraft fees. A good example, I was on my account this morning and it was not negative. I got an email and text at XXXX XXXX that my Wells Fargo account went below my balance, which is the alert I set up. I saw when I logged on that a {$35.00} overdraft fee was charged, because the date on the withdrawal was yesterday, but my account did not go negative until today. My account was not negative last night or in the morning. I transferred money into my account to cover the payment. I have called several times to Wells Fargo about this and they say the transaction time is from yesterday when it came into their system and the money was not in the account at the time of the transaction. They hadn't paid or reversed the transaction yet, and I had the same amount in my account last night as I did this morning. The alert, overdraft, and withdrawal all came in at the same exact time at XXXXXXXX XXXX. Always before a couple of years ago, if a transaction like that happened in the past, I would get the alert, cover the withdrawal and no overdraft. They have taken literally XXXX of dollars from me in overdraft fees on this technicality. I have called and asked how can you assess an overdraft at the same time you send out an alert, but the answer I get is it is a system issue. This " systems issue '' excuse only propped up in the last couple of years. I am trying to get away from them as fast as I can, but I have been a customer for so long that I have a lot of bills that I still have to move to XXXX XXXX XXXXXXXX on my already busy schedule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I called the company Wells Fargo to settle on a payment to be able to take this account off my credit report. Wells Fargo agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I walked into Wells Fargo and deposited a {$65000.00} check given to me by my aunt on XX/XX/XXXX with a teller. Wells Fargo froze my account. My aunt passed away on XX/XX/XXXX. I filed a complaint with CFPB on XX/XX/XXXX. Since then, Ive gotten multiple answers from multiple people at Wells Fargo on how to resolve this. Ive provided proof of the check clearing, Ive provided proof that Im the POD on the originating checks account. I submitted her death certificate. Ive submitted proof that there is no hold coming from XXXX XXXX XXXXXXXX on this check. I was told to bring in documents stating Im the POD with a XXXX XXXX XXXX XXXXXXXX contact information to a Wells Fargo branch so we can have a conference call with BOA. I brought this in on XX/XX/XXXX to be turned away and say no thats not what they want. Even though on a recorded phone call on Thursday XX/XX/XXXX with representative XXXX, that is what they specifically told me they wanted, no misunderstanding on my end. They told me to officially close my aunts XXXX account to provide this contact information, I did. Then in the XXXX XXXX branch with Banker XXXX on XX/XX/XXXX on another recorded phone call, they told me they would be closing my Wells Fargo account & rerouting the check back to the originating XXXX account automatically and to see if I can call to keep that account open. I call XXXX as my aunts POD and was successfully able to have XXXX place a pause on the closure of the account. I called Wells Fargo to confirm, now all of a sudden they need XXXX to recall the original check otherwise it would be held in a suspense account for 90 days and then move to unclaimed state property. Earlier in the day it was automatic, now all of a sudden BOA has to recall the check? Every step I take with Wells Fargo I am being told I need something else or something different. I called XXXX, they were confused and basically said they wouldnt recall a check that has been cleared for weeks now because 1. Im not the owner of the account and XXXX. Why would they recall a check that cleared on their end with no issues or reports of fraud? XXXX fraud representative then told me that nothing about Wells Fargo doing this seems right & if she were me she would retain legal counsel against Wells Fargo as there is no reason for this check to be held, Ive provided more then enough documentation and proof & there is NO HOLD FROM XXXX XXXX XXXX. Again, this occurred on a recorded phone call with XXXX on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I received a call with my back number and the man stated that my account was being hacked gave me made up and real purchases to verify the account he then told me to send a code to verify my account. The man stated that someone sent money through XXXX to a XXXX XXXX and asked me if I knew the person I told him I didnt and then my son text me asking why I XXXX him XXXX dollars at that time the person on the phone told me that that he had froze my account and it was safe to tell my son to XXXX it back to my account. I asked for a supervisor because I was feel uncomfortable and he just said you have been talking to me this long and you have been a member since XXXX does that help and at that time I disconnected the call and immediately called the bank telling them of the situation and was then put on hold for 45 minutes before I spoke to the fraud department. I filed a claim had to close that account and open a new account. The bank said they would investigate and I would receive a letter ( which I never did ) with results. Filed a police report with XXXX Florida police department and called the bank to report the police report #. Called XX/XX/XXXX to check on the claim because I did not receive information or the money back. I was told the investigation was closed and that I would not receive my money back because it was an authorized XXXX. I was also notified I was not able to file an appeal and there was nothing I could do any further. My son kept the money in his account until my checking account was secured and then he sent it back to my account. The phone call was at XXXXXXXX XXXX and the emails were not seen until I did an investigation after the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: a representative from the XXXX XXXX called several times over the last 6 months or so. They claim I owe debt to wells fargo, they have my social security number and previous addresses. they claim the debt to be XXXX XXXX XXXX XXXX it does not exist. they will not send me information about the debt and are threatening law suits and bank seizures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64093
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A