Date Received: 2023-09-21
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Around XX/XX/XXXX, through the XXXX XXXX XXXX 's school email, an email was sent to students about an employer looking for a personal assistant. Since it was through the school I believed it to be secure and I applied for the job. On XX/XX/XXXX, I received an email stating that I was confirmed for the job and that I was hired. In the email it was said that I would receive a weekly pay of {$450.00} and benefits, it also listed job tasks that I would have to complete. I was also given onboarding employment paperwork under impersonating the XXXX XXXX XXXX. On XX/XX/XXXX, the " employer '' asked me to mobile deposit a check into my bank account for the sum of {$1400.00}. The check deposited and I believed all was clear. The {$1000.00} was meant to be used for business expenses that the employer wanted me to purchase. Throughout XX/XX/XXXX and XXXX I was told that I needed to buy a variety of gift cards as my job tasks as a personal assistant for this employer. These purchases would add up to {$900.00}. On XX/XX/XXXX I was notified that my bank account was overdrawn for {$900.00} dollars because the check bounced as it was part of a fraudulent scam. I filed a police report with the XXXX XXXX XXXX Police Department as well as the XXXX XXXX XXXXXXXX police department on XX/XX/XXXX. I also called my bank, Wells Fargo, on XX/XX/XXXX right away as I found out that I was scammed. I provided the bank with both case numbers and with as much information as possible. However, I was told that my claim was denied and that I would not get reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened up my first credit card with Wells Fargo. For that card, I wasnt able to pay and my account was closed. Then I got a letter in the mail saying I was being charged {$100.00} for that month. I never consented to this or set up those payments to be done. I called and told them if I can cancel and they transferred me to XXXX XXXX XXXX where they told me that those payments have nothing to do with them and to contact Wells Fargo because they cant do anything about that on their end. They said they were just the debt collection agency that Wells Fargo handed over my account. They told me to call them back to work on a settlement when I was done with Wells Fargo charge. Wells Fargo says there is nothing they can do after I told them all this. Months go by and I try to reach out to Wells Fargo to see if this can be resolved. After months of this, I call again and Im more persistent. I keep getting transferred and eventually hung up on. I keep persisting and one Wells Fargo member does admit it is strange and things arent adding up. I told them that if hypothetically I did forget and set up payments, that would not explain why first source says im still in full debt and need to pay them. Wells Fargo wouldnt have given my account to XXXX XXXX if I was paying. And if im still in debt, where is the money going to. I have been with the stress of this situation for months and I have been losing money. A Wells Fargo was able to stop future payments which I asked why that wasnt done for me in the first place when I asked. I then tell them that I want this to be investigated and I believe there is fraud involved. I get to talk to some executive who says I now have a case and there will be an investigation. He did apologize for the stress this has caused me and I will be reimbursed. They just got back to me saying they are not going to reimburse me and my case is closed. I know I didnt set up those payments and they werent going towards my credit card. Money was just lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wells Fargo reported my credit card account as 30 days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account six days past due for XXXX and not 30 days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency. Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for Wells Fargo shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. -My Bank Statement shows the {$310.00} payment coming from my checking account. -My Credit report shows the Wells Fargo XXXX payment reported as 30 days delinquent. Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with Wells Fargo, and I look forward to having this issue corrected and continuing to do business with Wells Fargo in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: What Happened? I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding an unauthorized chargeback that caused me significant financial and psychological harm. Please see the attached PDF file containing all relevant documents and evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. I noticed a few days later that my payment had not been processed from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. I have attached here proof that enough funds were available in my account the entire time of this issue. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. On XX/XX/XXXX, I noticed that Wells Fargo still had not processed my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available. I have also attached here proof that enough funds were available in my account the entire time of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have gave Wells Fargo all my Documents that they needed numerous times and spent so much money on faxes at XXXX. I was willing to make some arrangements so I can hold on to my home until my younger XXXX Graduates XXXX XXXX. She is a junior now. Then I would down size and look for something smaller. As, of now, I have been going through some medical problems from the accident I had with my bike a few years ago. I am trying to work from home. I have Interviews this week. I just want to save my home for a little longer so my kids are not traumatized anymore from all the family we have lost. They went through enough. Losing our family home would put a damper on us All. Please find it in your heart to help us with some assistance. I'm willing to work with you guys if you can help my family and myself stay here a little longer. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
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: It started when my phone was stolen and hacked on XX/XX/2023. The perpetrator hacked my phone and my digital wallet was compromised along with my online banking accounts. He changed all the security information on my accounts including emails, passwords, and phone numbers used to verify my identity. I was unable to receive notification about suspicious activity because I was also locked out of my email accounts. So I was unaware of the unauthorized transactions. It wasnt until XXXX XXXX that my fianc received a notification that our joint savings account had money transferred out. Thats what prompted me to alert my other financial institutions but because it was over the XXXX XXXX holiday I wasnt able to physically go to a branch to verify my identity since over the phone it was impossible. I filed a police report right away and contacted the credit bureaus as well as filing with the FTC for identity theft. Through the help of XXXX XXXX I was able to regain access to my email account and as I was researching the transaction notifications I found that the perpetrator rented a car using my XXXX account and was due to return the car on XXXX XXXX, XXXX. I alerted the police and they were able to arrest him and charged with XXXX XXXX counts. As I was following up with the banks and cooperated with their investigations and spoke to their security teams. They asked me details about what happened and how my account were compromised. I let them know that I had the physical cards but my digital wallet and bank applications were hacked and the perpetrator was able to make transfers, open new accounts, apply for new credit cards and debit cards as well applying for loans all from the online banking apps on my phone. After some time roughly 10 days, XXXX came back with a decision that no fraud was found. I requested documentation and appealed the decision. I am waiting for the documentation. Wells Fargo verbally notified me that some of the claims on my checking account had been denied while other claims on my credit card had been validated and considered fraud. I have credited transactions to my credit card but not my checking. Same institution same dates of activity yet different outcomes from different divisions. This was 100 % unauthorized and fraudulent activity in which a perpetrator was arrested and charged. How is it that these banks can keep my money? Where did they find proof that this was not fraud? Did they use security footage? Did they verify ID when the transactions were made? Did they ask for signatures on receipts? If the investigation team thoroughly checked they would know it was not me. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95126
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 making or receiving payments
Consumer Complaint: Non eligible telephone number, banker stated that they file claim to get my number eligible so that I can order a new bank card. They told me on several different occasions all different answers on days it would take for them fix issue going on. So Everytime I wait period, then call see if I can order my atm they won't do it. Keep making up excuses reasons why they can't help me .... I would like for my atm bank card to be over nighted to my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.
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: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A