Date Received: 2023-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 my home title company mailed a check for {$450.00} to XXXX XXXX XXXX to pay off my credit card. The check was mailed via postal service and was sent to the correct XXXX XXXX XXXX and had my name and account number on an attached piece of paper. Somehow, the check ended up in a Wells Fargo office. Wells Fargo cashed the check and deposited it into another account and now they refuse to assist me with getting my money back. I have never had a Wells Fargo account and the check was not made out to them. It was made out to XXXX. They refuse to help me and continue to hold my money. They keep telling me it's not their issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I believe I should be included in the class action lawsuit against Wells Fargo. I had a vehicle loan and my payments we misapplied .... therefore resulting in my vehicle being repossessed. I called the bank and advised I had made my payments and had the copies of the checks cashed as proof. They said my vehicle was already sold so I wouldn't be able to get my car back. My credit was messed up showing a repossession which prevented me from obtaining another vehicle loan at a price I could afford. According to the website, " For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' Due to Wells Fargo 's error, my life was turned upside down for years. XXXX XXXX ( maiden name XXXX ) XXXX XXXX vehicle loan. I have called wells fargo and have not received a call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened two CD accounts online with Wells Fargo, a bank where I have had accounts for years and they have all my documentation on record and up to date. After the accounts were open, I noticed that the bank was withholding interest even though I am a U.S. citizen. I contacted the bank to get this fixed and after a lot of back and forth, they said I needed to sign a W-9 to get the withholding stopped. I went to the branch and signed the documents as instructed ; however, the monthly interest continued to be withheld on both accounts. Afterwards, I submitted a Consumer Financial Protection Bureau complaint and the bank took about another month to review my accounts. After they finished reviewing, they asked me to go back to the branch to sign another set of documents, and after that they stopped the withholdings. However, the bank did not return the interest that they had erroneously retained. I have been to the branch multiple times, I have continued to have telephonic conversations with representatives and no one has been able to explain the process to get my money back. Once again, they have all my information to certify my tax paying status since I have been a client for years, but also, they should have notified me that there was documentation that I needed to sign, which they did not. I believe that their online account opening process has gaps that resulted in this problem and the accountholders should not be made responsible for errors in their processes. I need them to refund me the interest that they have erroneously withheld from both of my accounts. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Last month, my phone and wallet were stolen and my account is now negative {$550.00}. I have been trying to recoup my money from Wells Fargo for over a month. I was told the claim would be resolved within 10 days and that a temporary credit would be issued if more time was needed. Over 10 days pass with no communication so I call Wells Fargo to find out they had denied my claim because my pin was used. I requested a reconsideration and waited 2 weeks without an update and just called this morning only to be told that the last rep never processed the reconsideration. The rep from this morning said my claim was not going to be reconsidered despite having a police report. The reasoning for my denial was that my pin was used therefore there was no fraud. When asked if any investigation was done regarding checking ATM cameras at the time of incident, the response was I can not provide you with that information. After demanding information, the rep told me that they can send a letter home in 30 days. This whole situation is completely unacceptable and it is clear Wells Fargo did not perform a proper investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Today, XX/XX/2023 at XXXX and XXXX, I received two voicemail messages from XXXX in the Executive Office at WellsFargo requesting a call back regarding the reporting of my credit card on XXXX that has not been deleted and funds never refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: We, XXXX XXXX XXXX XXXX received a response from Consumer Finance providing a claim # we were requesting from Wells Fargo Bank so we could reach out as they advised they needed that specific claim # to give us an update. I reached out to Wells Fargo requesting an update, with the claim # they provided. I was first given an email : XXXX. I sent an email with the advised subject line, including the claim # and the email came back undeliverable. Its not a usable email or it is invalid or not an active email. I called back, I was given their claims department number of : XXXX from a claims rep. This was after being transferred to her from XXXX different people. I spoke to XXXX who advised after being on hold that she had to transfer me to the ACH claims department. In that dept. I spoke to a XXXX, who stated she could not pull up the information with the claim # I provided, or the account number ( listed on the affidavit of forgery paperwork ) and said that I had to go to the branch that allowed the check to be cashed. I advised that we dont know what branch it was and we are in another state and that is not a possibility. She said she couldnt help me and had to get me to customer service. She transferred me so a line that was not good, a person who didnt speak XXXX well, and said he couldnt help me because he couldnt hear me either. I need a way of communication with Wells Fargo. I need them to provide an update on the claim with the claim number they provided, which was XXXX. We complied with what they requested, were told that we had to contact them with the claim # and now they can not give us an update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023 I received an invitation to apply for Wells Fargo Reflect card via USPS. On XX/XX/2023, I applied online using the specified website : wellsfargo.com/mynewcard and entered the reservation number provded in the invitation letter. On XX/XX/XXXX, I received two emails with conflicting information. At XXXX the first email from Wells Fargo stated that my application was denied, however in that same minute, XXXX, I rceived a second email from Wells Fargo stating that my application was pending and needed to verify some information. Not knowing what was happening, I scheduled an appointment for XX/XX/XXXX at the local WF bank. I met with XXXX and she was able to look up my account information and she told me that my application was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I never applied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Fees or costs during the application process
Consumer Complaint: I paid a rate lock fee of {$8500.00}. on XX/XX/XXXX. At this time we expressed concerns about interest rates and we were assured that this wouldn't be an issue because we could always move the rate lock to another property. As interest rates went up and the home we were building became more unaffordable we asked Wells Fargo about possible solutions to work with us. They refused to give us any options to latitude. They continued to tell us that the deal was as it is and if we wanted to cancel and forego our rate lock fee then we could. We didn't want to cancel but wanted additional solutions. The rate lock fee agreement says the fee is refundable if the loan is denied but they refused to deny the loan even as we no longer qualified for the house. On XX/XX/XXXX we were told that we needed to provide updated information and consent to a new credit check by XX/XX/XXXX or they would cancel the loan and not return our rate lock fee. I responded on XX/XX/XXXX. At such time additional information was request with a new deadline of XX/XX/XXXX to get the new information submitted. It was not explained to us at the time that not meeting this deadline would result in a cancellation from the lender and a forfeiture of the rate lock fee. We were in the process of gathering information and they cancelled our loan and their own discretion. Wells Fargo chose not to deny my loan but simply cancel it so they would not have to refund my rate lock fee. These actions are predatory in nature. It is not right to take money from someone, refuse to make accommodations when external factors make it so they no longer qualify, and then cancel instead of deny the loan so they can keep the rate lock fee. It is not legal to retain funds for services not provided. I would like my {$8500.00} returned to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84105
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A