Date Received: 2023-09-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX my account was overdrawn due to two {$2500.00} checks being cashed by someone impersonating my mother who is also listed on my checking account ( total was {$5000.00} ). My mothers purse was stolen on XXXX XX/XX/XXXX which included her ID. My mother reported this to Wells Fargo the same day and had her own account frozen. When I was notified by Wells Fargo that my account was overdrawn I filed a claim that my mothers identity was stolen and that at the time of the check being cashed she was on vacation in XXXX. My claim was denied because Wells Fargo said the signature was similar to my mothers and a ID was used. I have proof that a police report was filed on XXXX XXXX by my mother and also proof that she was not in the XXXX when the check was cashed. Wells Fargo was informed of this and still denied my claim without even verifying my evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX Wells Fargo contacted me by phone informing me that my debit card has been closed, a phone contact in Wells Fargo they informed me that they could not give me a reason why the debit card had been closed so I can no longer use my debit card with Wells Fargo and I no longer have a bank account with Wells Fargo, Wells Fargo customer service to appeal this decision Wells Fargo refuses to answer any of my questions or concerns Regarding why the bank shut my debit card usage down and my account usage was closed resulting and me having no access to my money in the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023, the company XXXX XXXX XXXX came out and did a demonstration. I liked what they had to say so I said I would purchase the product. The agreement was laid out stating that if my credit was good, I could qualify for 0 % interest over 60 months, which I qualified for. The agreement states that all work will be done by said contractor and payment will be made to said contractor. I signed the agreement and was told that there was an opening for installation in three days. I agreed. The total bill came to {$5900.00}. I received an email from Wells Fargo saying congratulations on your new credit card. I called them immediately because I thought someone had fraudulently opened a card in my name. They told me it was done through XXXX and the line of credit was {$6600.00}. I told Wells Fargo that I did not authorize a line of credit and had them cancel the card, however it did not cancel the amount owed. I contacted XXXX XXXX and explained to them that I did not authorize a line of credit through Wells Fargo and they told me that I sighned the contract ( Agreement ) authorizing the charge. I explained that I would not have authorized a line of credit because my husband and I are trying to open our own business and a line of credit could have us denied the loan from the bank. They said because I signed the contract there was nothing I could do. I have contacted a lawyer for legal advice. There is no contract between myself and Wells Fargo. I did not authorize Wells Fargo to open a credit card or line of credit, and I did not authorize XXXX XXXXXXXX to open a credit card in my name. I never talked to Wells Fargo regarding this line of credit prior to it being opened. It was never disclosed to me that Wells Fargo would be opening a line of credit/credit card. Now I am stuck paying for a line of credit for {$5900.00}, and if I do not pay it, it will affect my credit score and any possibility of getting a loan to open our own business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48161
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 wire fraud occurred with our checking account. We immediately notified Wells Fargo this was fraud and to stop the wires. Notification took place via the phone as well as in the local branch in XXXX, Iowa. Wells Fargo took no action and proceeded to allow the wires to occur and funds to be withdrawn from our account. We have asked Wells Fargo to provide information regarding the notification, multi-factor authentication and any other notification that was give to us indicating we authorized these funds to be withdrawn. No information has been provided by Wells Fargo and we have been unable to speak with a representative of Wells Fargo even though we have attempted to contact a representative on multiple occasions. We need information showing authorization by us of funds to be withdrawn from our checking account. We ask that Wells Fargo provide this information in addition to speaking with us regarding the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since 2002 up until the current time I have had dispute not honored which should be reviewed as well as the mortgage the overdraft fees and all other things that I can't seem to get from them I do have two dispute that as they sent me that were overturned but there is so much more than I'm eligible for as far as class action suits against them please help me get the information I need. We know Wells Fargo doesn't play fair and they're not playing fair with me now I want any and all kind of civil action suits against Wells Fargo which I am clearly eligible for in quite a few
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a closed credit card with Wells Fargo Bank, Made two payments unable to pay on line due to the amount. On line banking has not changed to show that the two payments were received XXXX. On line banking is showing we still owe and I am getting phone calls about the payments. Tried calling got no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A male individual who presented himself as a Wells Fargo customer service employee called me from the Wells Fargo customer service number claiming there was a wire transfer and XXXX transfer attempting to be sent from my account to an individual that I did not know nor did I authorize either of the payments. The individual told me due to the nature of wire payments that they would be processed so I needed to send reversal wires in order to retrieve the funds back in my account. Individual walked me through setting those wires up on my phone and even asked security questions that a normal Wells Fargo employee has asked me in the past. Once the reversal wires were sent by me I got another call from Wells Fargo customer service representative a couple days later asking me if I sent the wires and I said yes because thats what I was instructed to do by who I thought was a Wells Fargo customer service employee. Thats when they told me a customer service rep wouldnt have advised sending a reversal wire and I knew I had been scammed. Filed multiple claims with Wells Fargo to retrieve the money back into my account but Wells Fargo said they cant do anything because the wires came from my phone/IP address on the account technically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Yesterday XX/XX/23 I failed a dispute with Wells Fargo Bank as a few transactions I did not authorize! The first rep was helpful and filed the dispute and also issued provisional credit back to my account. I called back and added three more transactions I didn't authorize and asked for provisional credit. This time I was met with a rude and condonsending representative. She asked me to hold while she went to consult with her back end team who handles the provisional credit. Then came back to the phone to tell me to wait 10 days before they would issue the credit back to my account. The rep had a tone as if she didn't believe there transactions were fraud. Told me a vague and empty answer just to get me off the phone. So the back end team apparently told her to not issue the credit. Then I get a email notification saying Both my checking and savings account have been placed with a Temporary suspension due to my account being compromised. I called the number in the email just as the email said and the rep over the phone had a tone of disbelief as well. She advised me that I would then have to drive to a branch and speak to someone. At this point I'm furious because Im working and wellsfargo has suspended both my accounts even though I only reported fraud on my checking account. Not my savings account. I go to the branch and talk to the personal banker who called lost prevention and even she was confused at why this bank was treating me and my accounts this way. The representative over the phone told the teller to tell me that the suspension won't be lifted until after the investigation. the personal banker was extremely nice and even told me that she probably shouldn't be telling me this but the Lost prevention team told her that the suspension was placed on my account for claim abuse and not for the original reason that was advised to me. So at that point I got up and left even more furious. After online research I come across many articles and videos where Wells Fargo is involved in multiple lawsuits for unethical practice. And I refuse to let this go. Im also going to be closing my accounts here and filing a lawsuit for damages. This bank has also dismissed prior claims from me without explanation. When I Call all I get told is that a Pin was used to it had to be me or someone else I know. No true investigation results which I will request before going to court. Wells Fargo, its claims department, back end team can count their days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I'm filing this report because I have been an identity theft victim. Earlier this year, I discovered that I'd been an identity theft victim after I requested a credit check to be conducted because I was interested in home purchases and wanted to know if I would qualify for a mortgage loan. Unfortunately, my realtor told me the terrible news that several accounts on my credit report are either delinquent, late, charge-offs, or collections. Therefore, I requested that he re-run a credit check to ensure he has the correct file or if he made an error because I know I do not have credit card accounts or any outstanding loans. After my realtor re-runs the credit check, he shows me the credit report and several accounts the credit bureaus are reporting on my credit report. Therefore, I assessed the damages for the first time, which was approximately {$71000.00}. Consequently, I filed a police report with my nearest police station, the XXXX XXXX XXXX. However, after filing for the police report, I re-assessed all the damages, which was over {$170000.00}. I discovered that there were more accounts than I anticipated. I informed the police detective working on my case and asked her to add all of them together on her report after I discovered the other accounts, which she did, and it is added to my police report. So far, I have found 11 accounts fraudulently opened using my personal information, such as my social security number, name, date of birth, etc. The reason I'm filing this report is that some banks are refusing to investigate, refusing to initiate sending the requested documents so I can share them with the police, and are refusing to remove the fraudulent accounts from my credit report and are refusing to remove my information from their banking records. Some banks continuously reflect these fraudulent accounts under my name, and I never conducted any business or transactions with them. This is unlawful, and I do not want my credit report tarnished because of their inadequacies. These accounts do not belong to me, and I do not want fraudulent accounts to report on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A