Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account with Wells Fargo on XXXX XXXX XXXXXXXX, CA XXXX on XX/XX/XXXX. On XXXX XXXX I deposited a check which had a hold until XXXX XXXX. On XX/XX/XXXX the hold was cleared and the amount was released into my account. Wells Farge reinstituted the Hold between the XXXX XXXX. They never contacted me to inform me of this action. They also put a hold on my entire account and brought the account negative. I had no access to my money : I could not purchase anything : food, gas, etc. Wells Fargo claimed that the problem was with XXXX not honoring the check. I went to XXXX only to find out they had paid the check to Wells and Wells had improperly filed it. Wells still refused to release my funds. They stated that no payments would be returned until this was sorted. On the XXXX, They sent back over 10 items unpaid. The branch manager attempted to blame this on me because I used a mobile deposit. I had asked a teller previously about in-person vs mobile deposits and was told that there was no difference. I still do not have any money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquires have been added to my credit report without my authorization Wells Fargo Dealer S, 2022 I disputed them and they remained on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX, visited Wells Fargo to help recover money lost due to a scam. They stated they are unable to help, because once the money is transferred they are unable to do anything else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: To Whom It May Concern : It has been brought to my attention that { WELLS FARGO } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { WELLS FARGO ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { WELLS FARGO } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { WELLS FARGO } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ XXXX XXXX XXXX XXXX a check for XXXX dollars was deposited into my daughters account at a ATM that wasn't associated with my account or her account and they made the funds available at XXXX on XX/XX/XXXX and someone withdrew XXXX at the same Atm .Me or my daughter did not withdrew the funds. I called the bank and also went into a branch to try to resolve the situation and now they are trying to make me liable for the money that was withdrew, because they said her card was use and her pin. I am the owner of the account because my daughter was XXXX XXXX age when she got this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-09-25
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: my credit card was stolen when they sent it to me in the mail and someone other than me activated the card made a purchase without my authorization and now the Wells Fargo bank wants me to pay this debt without me being the one who made it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
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 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: KS
Zip: 67846
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: Four fraudulent charges on my Wells Fargo Visa card ending in XXXX charged at four different XXXX XXXX locations on XXXX XXXX. XXXX XXXX is closed. New card ending in XXXX was issued. Fraudulent Charges dates/merchant/amount XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charges were disputed and last letter dated XX/XX/XXXX from Wells Fargo stated charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed Several calls immediately after this letter to continue to dispute the charges were unsuccessful. I pleaded my case that I am a student living in XXXX XXXX. At the time of these charges I was in XXXX XXXX XXXX. Please help reverse these charges. I have never been involved in any fraudulent charges. I am a XXXX XXXX XXXX female student and can not absorb these blatantly fraudulent charges. Thank you for any assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have filed numerous complaints against Wells Fargo Auto Finance, and they continue to send me the same stack of information that I allegedly signed. However, the one document that I do not have in the sales paperwork ( which XXXX XXXX XXXX took one full month to get to me and I have the text messages to prove it ) is the Loan Application. The salesmen filled in the amounts of my income, and I looked at it, then I refused to sign it ( as it had false information regarding my income ). When I got back from the XXXX XXXX, I wanted my car keys back, the salesmen said they 'bought out my car ', without my permission, and said that the loan went through. I couldn`t see how it would pass through Wells Fargo Auto in such an easy way. Wells Fargo Auto Finance never asked for 3-6 months of back bank statements to show that I indeed made this amount of money. I also did not work for XXXX XXXX XXXX for XXXX years, and that was on the Loan Application as well. I started working to XXXX XXXX XXXX on XX/XX/2022. I believe I have all my pay stubs from them as well. So, this is not a legitimate sale, and not getting the Sales paperwork until one full month after the sale only goes to prove that they could have forged my name on the Loan Application. I didn`t even know how much they gave me for my car, which was next to nothing. Wells Fargo Auto Finance needs to go after XXXX XXXX XXXX for falsifying the Loan Application, it`s as simple as that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to file a formal complaint regarding an unresolved fraudulent transaction dispute that Wells Fargo has failed to remedy for over 60 days now. On XXXX XXXX XXXX I discovered three unauthorized, fraudulent XXXX transactions were made from my Wells Fargo checking account ending in XXXX paid to XXXX XXXX XXXX XXXX XXXX name of XXXX XXXX XXXX The transactions totaled {$13000.00} plus fees and occurred between XXXX XXXX XXXX I immediately contacted Wells Fargo to report the transactions as fraudulent, as I did not initiate or authorize them. After filing a claim and providing the requested documentation, Wells Fargo reimbursed {$4000.00} of the stolen total. However, the largest single transaction for {$9800.00} remains under " investigation '' with no resolution or return of my funds after over 60 days. I have made weekly calls and provided extensive proof, such as police reports and bank receipts, showing the recipient was an unknown third party. Yet Wells Fargo refuses to give a timeline or take any concrete action to reimburse this stolen {$9800.00}. All they continue to do is escalate my case to another party within the bank each time I call. As a loyal customer for over 25 years, I am incredibly disappointed with this lack of urgency, transparency, and reasonable resolution by Wells Fargo on a confirmed fraudulent transaction claim. {$9800.00} is a massive sum that I rightfully need to be returned to my account immediately. I request that Wells Fargo expedite the investigation and return my {$9800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A