Date Received: 2023-09-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX, purchased a dress at XXXX. that there was none in my size instore. Requested sales clerk to cancel order if there was a {$9.00} shipping charge. Sales Clerk manager informed that shipping charge would be waived if purchase was charged to my XXXX card. Due to XXXX sales clerk error, my charge card was charged twice for the one requested item. On or about XX/XX/XXXX, I submitted a complaint using XXXX website, XXXX representative XXXX XXXX responded to my complaint from email XXXX I disputed one of the charges. I received two dresses by mail at two different times. I returned both dresses at two times. It was my understanding that all was cleared up until I found a notice in my accumulated mail.I contacted XXXX and case XXXX was opened to investigate the issue. I contacted XXXX XXXX several times and informed that the current balance on my account is being investigated. Records will confirm that my XXXX balance is XXXX within the thirty days of a charges. I'm requesting that XXXX XXXX remove the negative entry from my credit report, due to the whole issue was initiated due to the poor quality performance of XXXX Sale clerk charging my charge account twice when it should have been charged once. In additional, taking consideration that If there was no doubt I owed the balance, as in the past I would have had no problem paying the charged amount within 30 days as I normally do. I shall greatly appreciate any and all assistance in this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72113
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34207
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: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Our family has struggled as restaurant owners to survive the pandemic and shutdown and are trying to rebuild but are facing foreclosure because our lender Wells Fargo has not given us access to options to restructure or modify our mortgage loan after being granted a CARES forbearance. We have been misled by Wells agents regarding how they would deal with the past due payments from that plan and find ourselves in limbo with Wells Fargo. We have had a change in financial circumstance and believe that if Wells Fargo followed guidelines and conducted a review of our current financial situation that we would qualify for assistance instead of facing a sale date. We bought our home in XXXX and refinanced through Wachovia back in XXXX which became part of Wells Fargo a few years later. My husband and I own and run XXXX XXXX restaurant for the last 19 years. We never had a problem making our mortgage payment until XXXX when we were forced to change locations which really hurt our business. We applied for and were granted a modification by Wells Fargo in XXXX but as business continued to struggle we were forced to file XXXX XXXX bankruptcy in XXXX to reorganize our debts. We began getting back on our feet with the bankruptcy but within a year XXXX hit and our restaurant had to shut down due to local declaration of disaster. As a result we could not keep up with the trustee payments on the bankruptcy and the judge dismissed the case. At that time we reached out to Wells and we were given two consecutive six month forbearance. We were grateful for assistance through this government program to help business owners negatively impacted by XXXX. We were told by Wells Fargo agents after the plan ended they were going to defer the past due payments from the forbearance or put them back into the balance of the loan and that we would be able to resume making regular payments. We provided the requested paperwork and their agent told us that they were going to send out a notary so that we could execute the documents for the restructured loan. Not long after that everything started going sideways with Wells and we received a denial letter that did not provide any specific information as to why our application for assistance was denied. When we tried to call to follow up no one could give us details, they just said that we need to short sale the home and if we did not like that we could appeal the decision, but Wells never gave us information on how to do that. We have been receiving letters from a law firm XXXX and XXXX stating that we owe Wells Fargo {$100000.00} and that we are in foreclosure. We dispute that we owe this amount. We would like a full and complete accounting of all payments made and applied. We would also like a full and complete accounting of the payments made to the bankruptcy trustee and the application of these payments to the mortgage. We would also like to know how much Wells Fargo has put into suspense from payments we have submitted and also a breakdown of all fees charged on our account. We do not owe Wells Fargo {$100000.00} and would like to know what the true facts are. Our restaurant has been doing well for the last year and we have had a significant change in financial circumstances. Wells Fargo is required to conduct a review based on our current and correct financial circumstances to determine ability to pay and also review for all possible loss mitigation options such as loan modification, deferment of delinquent payments, recapitalization of arrearages or repayment plan. We have no problem making the mortgage payment, but at this time Wells Fargo is demanding full reinstatement and we want the opportunity to be considered for all options to resolve the delinquent payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06513
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 have new and updated information regarding Complaint Number : XXXX, As seen in Exhibits K and L, I received correspondence from XXXX XXXX XXXX XXXX Escalations Representative on behalf of Wells Fargo in relation to the above referenced complaint number. In her correspondence, XXXX XXXX alleges that based upon her research, there was a check deposited into my account in the amount of {$4300.00}, this alleged deposited check was returned and debited from my account, the check returned unpaid because the check issuer placed a stop payment on the check, advised that I should reference the Wells Fargo Deposit Account Agreement, and she determined that there was no bank error in the handling of the deposit or the subsequent debits. XXXX XXXX assessment of this transaction is false and misleading for several reasons and proves that Wells Fargo Financial Institution has some integrity issues that could lead to unethical transactions : XXXX. The Deposit Account Agreement policy references Well Fargo policy and procedures for whenever there is a deposit made within the account. As stated within the initial complaint, there was never a deposit made into the account, only a check was cashed in the amount of {$4300.00}. Exhibit XXXX reflects the details of that transaction and theres nowhere within that transaction receipt that states a deposit was made. Exhibit XXXX complements Exhibit XXXX as it reflects the account details at the time of the transaction. Theres no reference to a deposit being made to the account at the time of the transaction. XXXX ( a ). For example, on XX/XX/XXXX, I went into a Wells Fargo Branch to deposit a check in the amount of {$4100.00} into my account. As seen in Exhibit M, the transaction receipt looks totally different than what was provided at the time of the transaction made on XXXX XXXX. Whereas the transaction receipt states that the transaction is a deposit, the amount deposited into the account, the amount currently available, and the date the remaining funds would be available. Exhibit XXXX reflects the account activity at the time of this transaction, whereas theres proof that an actual deposit was made at the branch as well as a screenshot of the check that was cashed. None of the above mentioned was present within the transaction made on XX/XX/XXXX, which warranted this complaint. XXXX. Exhibit O, contradicts XXXX XXXX claim of sending me a letter on XX/XX/XXXX, advising of a returned check in the amount of {$4300.00}. In fact, Exhibit O proves that Wells Fargo, without my authorization as the account holder, took it upon themselves to deposit an instrument into my account at XXXX. I was made aware of this activity by an e-mail alert and contacted Wells Fargo. As mentioned within the initial complaint, I was informed on a recorded line by several Wells Fargo employees, including a supervisor that the check that was cashed on XX/XX/XXXX, cleared the XXXX processing. XXXX. XXXX XXXX and Wells Fargo representatives manipulation and misrepresentation of this transaction has caused me damages in the amount of {$4300.00}. XXXX XXXX falsifying the details of this transaction is a blatant lie, which is also like stealing from me as the account holder. This misconduct resulted in financial harm to me, the customer. This is the same unethical behavior that landed Wells Fargo in trouble with the United States of America Department of The Treasury Office Of The Comptroller Of The Currency XX/XX/XXXX as seen in Exhibit P.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
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: Confusing or missing disclosures
Consumer Complaint: About 4 months ago, received a Wells Fargo bank savings promotion for {$520.00} if open a saving with $ XXXX deposit. The requirement is : Quote : Open a new XXXX XXXX account, or other eligible consumer savings account, with a minimum opening deposit of {$25.00} and complete the steps outlined below to receive your {$520.00} bonus. This offer is for new savings customers only. I opened the savings account online but there was no field to enter the offer promo code. I went to the branch and the banker helped input the promo code into the newly opened savings account. The banker said I am 100 % qualified for this promo because I don't have existing savings. Fast forward, I checked my savings account and I did not see {$520.00} credit. I filed a complaint with Wells Fargo and was told because I opened the savings online therefore disqualified. Then they closed the case. I went back to the same branch and spoke with the same banker who entered the promo code. Now already past 2 weeks still without any answer. I felt like the bank was cheated out of consumers when we brought in new deposits into the bank. I felt the bank did not commit to their offer and lied to consumers. Please investigate this bank. I will close all my accounts with Wells Fargo. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91746
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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
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 rewards from credit card
Consumer Complaint: Hello, Today ( XX/XX/2023 ) at XXXX XXXX XXXXXXXX I got an email from Wells fargo saying that I had redeemed by rewards, I have copied the email and pasted the words : Dear MYNAME : A new redemption has been processed with your Wells Fargo Rewards account. ITEM REDEEMED ( XXXX ) XXXX XXXX CASH REWARDS APPLIED {$860.00} TOTAL ITEM REDEEMED ( XXXX ) ORDER TOTAL Rewards Redeemed : {$860.00} SHIP TO XXXX XXXX XXXX SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I did not make any rememptions. I called WellsFargo and I was told that the redemption is another department and not available at this time, to call back in the morning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: on Sat XXXX about XXXX i went to Wells Fargo on XXXX XXXX XXXX XXXX in XXXX Colorado to make a deposit into my checking account account via atm. i withdrew {$120.00} from savings put {$60.00} into checking and kept the other {$60.00} i declined the receipt grabbed my bag and i left to go home. i was driving for about 10 minutes when my phone started getting messages from Wells Fargo mobile notifications saying my accounts were overdrawn - {$850.00} and i immediately pulled over and started looking for my atm card, i realized i left it in the atm and drove back the branch and ended up having to wait 35 minutes in line to speak with a teller because because no one was available to help me with the large amount of money that was just stolen from my account. The teller called the branch manager who seemed so uninterested in my crisis and couldn't be more dis-engaged from her title and job duties than when i was desperately seeking help and direction from her, she waived me off and the teller had to tell me to call the fraud dept when i got home, not the bank manager. i was so surprised and taken aback by not even so much as a moment of being treated like a human being let alone a loyal customer and account holder for many years. After being denied common decency by just about every employee i tried to plead with for information or just help in general i went home and called wells Fargo fraud line and found the same thing on the phone, someone dancing around my problem and a scripted discerning tone of voice telling me they couldn't do anything for me until all the pending charges on my account either cleared or fell off. no-one believed me or offered to listen past a certain point and quick to pass me off or tell me to call back. i was able to cancel my atm and file the multiple claims on the multiple transactions. They didn't believe that i made a mistake and left my card in the atm and being that it was a busy Saturday morning at such a small branch, i was being called a liar without being called the actual words. Iam now being accused by the bank of giving my pin number to someone and that iam in on this 'heist ' and what the entire employee directory of wells fargo that chewed me up and treated me like a piece of trash never once took into account the money that was taken from me that totaled {$3500.00} was the last of a very small inheritance from my father whom i never got to say goodbye to, and for this to be the outcome they decide with no proper investigating and not even releasing atm footage or explaining to me how {$1000.00} could be withdrawn from my checking account when only {$140.00} was in the account and then taking {$2500.00} from my savings when there is an atm card limit of {$400.00} dollars a day. {$3500.00} was withdrawn in less than 15 minutes and i have a card limit of no more than {$400.00} A DAY with not so much as an explanation as to why or how this could have ever happened. There is no way i could have stolen my own money unless it was in {$400.00} dollar increments. i filed a police report with XXXX Police Department in XXXX Colorado on XXXX and filed with a lady by the name of XXXX XXXX who i believe is a call dispatcher for the police department. I will attach the case number and her contact information she issued me after she recorded my statement and told me they were going to be seeking to recover any and all surveillance and information as to why this was allowed to happen. i finally spoke to some wells fargo employees at a different branch in XXXX Colorado with whom i filed an official complaint within the institution and the branch manager there gave me some information on policy and procedures for wells fargo and did not speak very highly of that particular branch this all happened at and gave some insight as to what i should be doing to combat this wrong doing. I live off of a XXXX retirement that goes into that account from a food service position i held with XXXX and XXXX XXXX XXXX XXXX for nearly 30 years and now am a part time XXXX XXXX for XXXX and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and a single mother with 3 grown and very well rounded sons and i would never in any lifetime ever compromise what i've worked so hard for and to be called a liar and a thief and be denied my money, my inheritance that I'am entitled to, not anyone else, is a dis-service and an injustice by these very people who should not be in such positions of power. We trust these institutions with our hard earned money and our financial lives and futures and this is how we are treated when an accident/ a forgotten ATM card threatens to ruin a life, my life, and leave me broken and without any means, this is insanity and injustice. Thank you for this platform and the ability to speak on my behalf and for the help I'am seeking from this agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80031
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a claim with Wells Fargo about purchases/transactions made internationally using my debit card. They said they investigated and decided that I authorized the purchase or I even did it myself, and the purchases were made with the actual chip of my card even though Im in the US, and my card wasnt lost or stolen and i carry with me 24/7. In the app the method of the purchases is described as digital wallet tapped. There are actual purchases made by me here where I live ( XXXXXXXX XXXX ) in between the purchases made in XXXX ( XXXX XXXX ) which should be enough to prove that I didnt do the purchases as it is impossible for the same card to be in different countries in such a short period of time. Either way, they say the claim is closed and theres nothing more that they can do. I filed a police report today ( XX/XX/XXXX ) about this situation. Purchases made on these dates : XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX a total amount of {$88000.00}. Theres even and internacional fee being charge which is another proof someone abroad cloned my card and made purchases. Wells Fargo claim number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Below are unauthorized inquiries due to identity theft from WELLSFARGO DEALER SVCS ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A