Date Received: 2023-09-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I'm still waiting on the response from Wells Fargo legal department please see the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72301
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have had my account with Wells Fargo since 2016 Ive never had an issue. For the last 6 months fraudulent transactions have been happening on my account. I called in to dispute the transactions and they issued me an provisos credit on day XXXX of the claim Being processed. I assumed the claim was handled by the bank as they issued me the XXXX $ to my account. I used the money as it was given to me from the bank. I checked my mail box on the XXXX and it states XXXX days from the letter my money was going to be taken from my account .I didnt give anyone permission to take this money as its my XXXX brothers direct deposit. I called the bank to reopen this claim or try and speak to a supervisor in regards to this because they said it was done by me or I gave permission to someone to have this money being taken because a pin was used. They basically said the claim is closed there is nothing they can do and they money will be taken regardless. This is frustrating and so horrible coming from a bank I have be loyal to for 7 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the XXXXXXXX XXXX XXXX and spoke with XXXX XXXX who said it was a Wells Fargo account for an outstanding judgement for {$5400.00}. I do not have a Wells Fargo account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Today I opened a police report regarding 2 unauthorized charges on my Wells Fargo debit card. Here are the claim numbers for the 2 transactions I didnt make on XX/XX/2023 and XX/XX/2023. XXXX ) XX/XX/2023 purchase on the state of Alabama for {$13.00} made at a local bar in that state. ( I never been in that State ) XXXX ) XX/XX/2023 ( I was charged the next day XXXX/XXXX/XXXX ) purchase made in XXXX XXXX for {$1700.00} When I saw the first transaction on my Bank Statement, I called Wells Fargo, ordered a new card, and opened a claim to get the money back. The biggest transaction was made on XX/XX/2023 at XXXX ( transaction phone alert ) while I waited for the card replacement. I never received the card, but the thieves did, activated, and used it. It seems the hackers intercepted either online, or physically ( or both ) my cards, cloned it, and used it. I opened 2 claims with Wells Fargo, and they never reimbursed the money lost due to fraud : XXXX for the {$13.00} unauthorized transaction. XXXX for the {$1700.00} unauthorized transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94706
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: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I have tried several times to request a FULL DISCLOSURE of my contract with Wells Fargo. To be exact I want a FULL ACCOUNTING OF THE PERFORMANCE of the contract meaning I want well Fargo to provide the full ledger credits and debits on ALL accounts opened in my name that includes any accounts opened in escrow. I have given authorization to my attorney in fact to request the same and to handle the account and he has not received anything as well-. In addition I have sent a Notice of Subrogation and Substitution, and Notice of Recession of SECURED interest however no solution has been reached and I am requesting arbitration and a cease and desist of the sale of my property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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: 34609
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Date of Incident : XX/XX/2023 Amount : {$1100.00} I went to XXXX, XXXX for a period of XX/XX/2023 through XX/XX/2023. During my time there, I had a rental car and I went to fill up the gas at a gas station in XXXX, XXXX. I arrived at the gas station on XX/XX/2023 approximately around XXXX to XXXX ( EST ). The attendant at the station filled the gas and then took my Wells Fargo Credit Card from me to charge me for the gas. He handed the card back to me and told me the amount was about {$43.00}. However, when I left the station, I got a text from Wells Fargo, that your card has been charged for {$43.00} ( XXXX XXXX ) and {$1100.00} ( XXXX ). I immediately called Wells Fargo and claimed the {$1100.00} as a fraudulent charge as I never authorized a charge with the merchant XXXX I put the first claim of the fraud for {$1100.00} on XX/XX/2023, which Wells Fargo denied saying that the card was in my possession and I authorized the charge. After I received refusal for my initial fraud claim, I put in a reconsideration of my claim on XX/XX/2023, clarifying the details that the {$1100.00} charge was fraudulent as the card was not in my possession and was given to the station attendant when the fraud charge occurred. They denied my first reconsideration providing the same reason that the card was in my possession and I authorized the charge. I made a second reconsideration request on XX/XX/2023, and provided the same details about the card not being in my possession and rather in the possession of the attendant of the gas station attendant as he wanted to charge me for the gas. They again denied my claim for the same reason stating I authorized the charge. I followed up with the reason for denial, given that I gave them the details of the card not being in my possession at the time of fraud, they asked me to file a police report and send a fax to Wells Fargo Fraud department. I filed a police report on XX/XX/2023 and then after a couple of days I received a copy of the report. I faxed the copy of the police report to Wells Fargo Fraud Department on XX/XX/2023. Then I reopened my case on XX/XX/2023 for the third reconsideration with the assistance of a Wells Fargo Personal Banker, XXXX XXXX XXXX from Wells Fargo Branch ( XXXX XXXX XXXX, XXXX, NY, XXXX ). She gave me the confirmation that Wells Fargo has received the police report and my case has been opened for reconsideration. This was again denied due to the same reasons stating I authorized the charge. I called Wells Fargo on XX/XX/2023 to ask why my claim was denied again as I provided the police report. The representative on the phone told me she could not find a police report on my claim. I confirmed this with the representative that last time they assured me that they have received the report and will include it with my claim, however, the agent told me that they were not able to find any police report linked to my case. This time the agent took the police report case number and said they will reopen the claim with the information. The claim was opened a fourth time for reconsideration, but unfortunately was denied due to the same reasons stating I authorized the charge. They have also sent me an information letter stating their research of why my fraud charge was denied. They are stating it was because a chip was used to make the transaction. However, I did not insert a card into that POS nor am I aware of any such merchant XXXX XXXXXXXX XXXX where the charge occurred. For all I know, the gas station attendant could have run my card into multiple machines. I want the CFPB to take action as the Wells Fargo bank has failed to keep its contract on zero liability fraud protection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently purchased a tesla and did a third-party loan through XXXX. The funds were sent by check from XXXX to Wells Fargo without all appropriate XXXX account information. XXXX uses Wells Fargo as their bank. The check was cashed by Wells Fargo and deposited into the general Wells Fargo auto loans account and not the correct XXXX loans account. XXXX has not received payment and all efforts to work with Wells Fargo and XXXX to correct the issue have failed. Efforts to have XXXX help retrieve funds have been unsuccessful stating that since the check was cashed by Wells Fargo there is nothing XXXX can do. Wells Fargo will not return the funds to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was scammed and Wells Fargo refused to help. I was scammed by a man of {$480.00}. I was given a check then he requested the money back via XXXX and I sent it like he asked, but before I had sent the money I talked to multiple Wells Fargo employees to make sure everything was fine. I was even on a recorded line when she said as long as the check processed that it was fine to send it through, which it did. This was all said on a recorded line. Then, I am looking at my account a few days later and I am in the negatives. Wells Fargo pulled the {$480.00} out of my account because they guy who sent me the check stopped the payment on the check. After talking to a bunch of other Wells Fargo employees I was told to file my claim and then file two case reports one for sending the money and another for the {$480.00} pulled from my account, which i did as they said and was again told by multiple bankers that everything would be okay and that I would get my money back. Lone behold my claim was closed and they said there was nothing they could do about it. It was a ridiculously long process for everything that the bankers told me to have just been lies. I was given plenty of attitude as well on the all the recorded lines. I am also a college student so they have royally screwed me over when it comes to payments on my college funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 Wells Fargo contacted me regarding suspicious activity on my debit card/checking account, the representative I spoke to told me he was going to block my card from being able to be used and shortly after I checked my mobile banking app and saw a transaction for a withdrawal of {$1000.00} at an ATM in XXXX, CA. At the time of this I was at a car wash located in XXXX XXXX, Wells Fargo denied my claim although they were the ones who gave me the alert to being with. I have contacted Wells Fargo three times and it seems as if they do not care and do not want to help, I was a victim of fraud but they do not want to help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A