Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing about this case that I have been trying to get a resolution for a while now regarding the Wells Fargo ( WF ) account that is reporting an inaccurate Date of First Delinquency ( DOFD ) on my XXXX credit report. It is within my consumer right, per FCRA law, that my report is accurate. The DOFD I got in a letter from WF is XX/XX/XXXX, but XXXX is reporting the DOFD as XX/XX/XXXX. This change clearly has an impact on when this account needs to fall off. I have disputed this account numerous times to give XXXX and XXXX a chance to correct this mistake, but that has not happened. I disputed this inaccuracy on XX/XX/XXXX with proof from the WF letter showing the correct DOFD and XXXX just sent me dispute results that the account came back UPDATED. XXXX did not clearly verify this info from the data furnisher ( WF ) because if they did, per law, they would have found the inaccuracy in the DOFD. XXXX and WF are violating my FCRA rights. This account continues to adversely affect me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was affected by Wells Fargos unlawful practices. My data was released by Wells Fargo and for compensation the bank promised for settle claims by the CFPB for banking violations. My data can now be found online because of this and recently I had fraud on my account from somewhere outside of my range and a location that I had never accessed in person before. Therefore, fraud was committed on the behalf of this scandal and caused my debit card to be closed making it difficult for me to live normally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: {$800.00} was fraudulent stolen form my bank account while on the phone I got laughed at and told I wasnt getting my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I was recently applying for a wells Fargo checking account and when finishing the application it was not going through. I called and they mentioned an account being open with my name that I have no knowledge of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdraft fee 's being tripled per debit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This is a follow up for the earlier complaint # XXXX The company not only did not address the issues but accused me of improperly filling out the forms that they claim they needed. On XX/XX/XXXX I received a email that they need more time to " study the issue '' to address it better. After XXXX month on XX/XX/XXXX I received a call from Wells Fargo representative stating that I didn't put zip code on my application and that it is my responsibility to fill out all their forms correctly. I did check my forms after the conversation and it have the zip code clearly stated on the form. So the Wells Fargo Rep. either did not look at the forms herself or is intentionally lying to shift the blame. After XXXX month of " studying the issue '' the only thing they could come up is to falsely blame me in filling out the forms wrong. It is not the kind of customer service I expect from the company that holds my money. I scheduled appointments 3 times to try to seek an advice of their branch representatives and branch manager of how to fill out all the forms correctly. I believe it is the responsibility of the company to provide the counsel to their customers of how to fill out the proper documentation as well as provide the feedback if any of the documents are not filled out correctly. I received none. My account was closed without a warning. It caused a severe strain in my ability to run my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdraft fees were incorrectly taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I input my social security number on the Wells Fargo website and it processed. Then I input my DOB-XXXX and it didn't work. I figured out the DOB being used on the account was XX/XX/XXXX. After inputting both the social and DOB to gain access to the account, the log in website requires a the account, credit card, or debit card number. I do not know it. There are two other compalaints I filed with Wells Fargo with email address XXXX. There is also a beneficiary account under my social security number at the Wells Fargo. I am not on good terms with relatives so they will not tell me and have not told me since the account was open. I walked into to the Wells Fargo in the XXXX of XXXX to find further information on the account, but was disserviced. I provided my birth certificate, social security number, license at the time- I have a new one, and they gave me the run around. For that reason I have not called or walked in again. Doing so, would only alert them to delete or tamper with the accounts to hide what it is they got going on. Since its my mothers account and she recieves wages from social services for adopting kids, the beneficiary account is being tagged along to make it more difficult to access. In worse case, they could be doing some white collar stuff to keep this from me. In any case, I am familiar with FDIC insurance and liability policys that banks must follow and will file a complaint with them as well. Since mother was mislead, she is not at fault for the negligence on the proffesional side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX, I had a home mortgage serviced through Wells Fargo. The mortgage account was made using my maiden name as this was prior to my marriage, and the account has since been closed. In XX/XX/XXXX, I applied for a credit card with Wells Fargo using my married name, as it is now my legal last name. I was approved for the card and received it in the mail with no issues. Upon trying to set up online banking through Wells Fargo, I was denied access to the platform. I called customer service for assistance and was informed that because my social security number is tied to my closed mortgage account under my maiden name, I would be unable to access online banking for this new credit card account that was created using my married name. The only solution they offered to rectify this was for me to visit a Wells Fargo branch in person with the relevant documents to change my name. The nearest Wells Fargo branch is 86 miles from my home in another state and it seems unreasonable to demand that I travel that distance to change my name with the company, given that they have already verified my information to issue this credit card in the first place. My previous Wells Fargo account that is linked with my maiden name is inactive and irrelevant to this new credit account. I would never have opened a digital banking credit account with Wells Fargo if I knew that a closed mortgage account would restrict my ability to manage my credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02324
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I deposited on XX/XX/2023 at Wells Fargo ATM the amount of XXXX XXXX dollars. Wich did not appear on my banck account. I am waiting for XXXX month ago the proof that the bank has. It is the only proof that I have too. They closed 2 times my case but never show me the video. I have ATM number, Location and time that I made my deposit. Please help me with this case. I think Is not necessary look for a Lawyer to resolve this. Thank you in advanced. Sorry for my XXXX. My first language is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A