Date Received: 2023-09-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I submit 2 wire transfer and they deliver only one transaction they don't keep me update on the second one the client didn't receive the money and they check with they bank and tbere is no upcoming wire transfer from me
Company Response:
State: TX
Zip: 75243
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/, I purchased three chocolate bars from XXXX XXXX XXXX They do not accept credit cards online and requested payment as a XXXX payment. They provided a XXXX name and phone number to send the payment to. I paid {$50.00} per chocolate bar plus {$30.00} shipping, {$180.00} total. I never received the order and have tried to contact the merchant at the phone number provided for the XXXX payment and it is no longer a valid phone number. I have also tried contacting them several times via email and have not received a response. I contacted my bank, Wells Fargo and they did an investigation and told me my claim for reimbursement was declined. Please note, the correspondence from Wells Fargo is addressed to XXXX XXXX, who is my husband. The Wells Fargo account connected to my XXXX is our joint account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: had complaint file # XXXX am not happy with results we got. I never approved charges and had card cancelled on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
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 loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Subject : Complaint Against Wells Fargo Auto for Non-Compliance with Debt Validation Request To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Auto for their failure to honor my debt validation request, as per my rights under 15 USC 1692, in relation to the financing of my vehicle. My name is XXXX XXXX XXXX, and I am the registered owner of the vehicle with the following details : * Vehicle Identification Number ( VIN ) : XXXX * Make : XXXX * Model : XXXX * Year : XXXX I have been attempting to obtain a copy of the promissory note related to the financing of this vehicle from Wells Fargo Auto. I initially requested this documentation in writing, providing all necessary contact details, on XX/XX/XXXX. Despite my repeated attempts to obtain the promissory note and my willingness to cover any reasonable administrative costs associated with this request, Wells Fargo Auto has failed to provide me with the requested information. They have not responded to my inquiries, and this lack of cooperation has left me without access to essential documentation pertaining to my loan. I believe that Wells Fargo Auto 's refusal to honor my debt validation request is in direct violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692. This statute requires debt collectors, including lenders like Wells Fargo Auto, to provide borrowers with validation of their debts upon request. Failure to do so is a clear violation of the law, and I am left with no recourse but to file this formal complaint with your agency. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo Auto for their non-compliance with federal law. I urge you to intervene to ensure that I, as a borrower, am provided with the necessary documentation and that Wells Fargo Auto is held accountable for their actions. Enclosed with this complaint, you will find a copy of my initial request for debt validation, along with any related correspondence and documentation. I believe this evidence will substantiate my claims and demonstrate Wells Fargo Auto 's disregard for my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to borrowers under the law. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. Thank you for your assistance in this important matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
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: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Wells Fargo been with them since XX/XX/2004. Last 3 yrs escrow has been an average of {$2500.00}. A year. This year they dropped it down to {$1400.00}. Then asked us to pay {$2200.00}. Because of there estimated mistake. Our house payment went up over {$300.00}. Until payed up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
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: 2023-09-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I went to the XXXX gas station in XXXX XXXX address XXXX XXXX federal highway XXXX XXXX FL XXXX. I inserted my credit card at the gas pump and filled my tank with gas. On XX/XX/2023 I see 3 unauthorized purchases on my credit card. XXXX for {$630.00} at XXXX XXXX, XXXX for {$24.00} and another for {$5.00} at XXXX XXXX 's XXXX XXXX The total of the unauthorized purchases is {$660.00}. I reported the unauthorized charges to my bank ( wells fargo ) immediately on XX/XX/2023. They told me they would take care of it. After finishing their investigation they said that no fraud was committed. I called them back to reopen the case and I was told to fill out a police report to help with my case. I provided a sworn affidavit stating that I did not authorize these transactions. I provided a letter from my employer proving that I was at work at the time of the transactions and I provided my XXXX maps location for XX/XX/2023 to prove that i was not in the areas of the transactions. The bank did not consider the evidence that i provided and insists that since the chip was used that the transactions were made by me. Even though i have proof that i wasn't at the locations and my credit history shows that i have never done business at these restaurants.I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and told them about the unauthorized purchase at their restaurant and also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They told me they couldn't help me and that I had to take it up with my bank. I reached out to the XXXX XXXX police department and XXXX XXXX police department to conduct investigations of the fraud. Wells Fargo wants to hold me responsible for unauthorized transactions and does not care about the evidence that I provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33060
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: 2023-09-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Check/payment from employer/partnership to myself has not been deposited, nor made available, nor is reflected in my chekcing account balance in a finalized fashion. Employer 's bank ( XXXX ) is able to provide evidence funds were transmitted to my account for a missing deposit. Dispute submitted to my bank XXXX XXXX XX/XX/2023 ; at close of business today XX/XX/2023 my bank Wells Fargo is unable or unwilling to provide information about their investigation at all. The dispute remains open. I was not allowed to speak to an investigator. I have been credited a preliminary amount for the missing funds ( {$22000.00} ) - but without the investigation and determination being finalized, I am unable to pay my employer back the funds without assuming what seems to be a liability of the bank, i.e. if the bank determines they do not have the funds ( e.g. sent back to employer 's bank ), they will take this preliminary amount back, and I will be at a loss for the amount I have written.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to WF/PREFERRED XXXXXXXX XXXX XXXX and WELLS FARGO CARD SER XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95678
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom it may concern, When I woke up Monday, XX/XX/2023, I saw a notification on my phone from the Wells Fargo app that there was an attempted charge of {$1.00} on my Wells Fargo debit card at a XXXX XXXX XXXX in XXXX XXXX, CA, at XXXX, and I should sign on to activate the card. I thought that was odd, because I hadn't even picked up my new debit card from the mail box or activated it. Given my current card was active until XX/XX/2023, I was not in a rush to do so, and my mailbox is a bit of a ways away from my house. Anyway, the attempted charge was only {$1.00}, and it was denied, so I ignored it while I got busy with work. Later in the day at XXXX I received another notification on my phone from the Wells Fargo app that there was another attempt to charge {$1.00} on my Wells Fargo debit card at a XXXX XXXX station in XXXX XXXX XXXX CA XXXX That was when I got worried so I ran to the mailbox to see if indeed my card had been stolen, and at the same time called the Wells Fargo customer service line to report that someone was attempting to make charges on my unactivated card. When I got to the mailbox, I confirmed that all of my mail ( at least XXXX weeks uncollected ) was missing, including the mail for my new Wells Fargo debit card. When I was on the phone with the Wells Fargo fraud customer service representative, which started at XXXX, she immediately cancelled my card and requested a replacement and filed a claim for me ( # XXXX ). My XXXX was also deactivated at XXXX. She said that there was an {$80.00} charge at XXXX, and then a {$40.00} charge at XXXX XXXX that they will be looking into. I told her that was odd, because if the alerts I received on my phone said the card was not activated and the charges were declined, how in the world would they have gone through!? She was also dumbfounded and did not have an answer for me, but assured me that it would be looked into and refunded back. The call ended around XXXX. Later that day at XXXX, the card thief attempted again to charge {$15.00} at a XXXX XXXX station in XXXX XXXX XXXX This time it was properly and truly declined, because by then I had already called Wells Fargo and the customer service representative had cancelled my card and ordered a replacement. Today on Sunday, XX/XX/2023, I thought it was odd I hadn't heard back from Wells Fargo yet, and the charges were still on my account, so I called Wells Fargo to inquire. They said that their investigation found that the transactions for the {$120.00} were authorized and not processed in error, so they have closed the claim. I asked what my next steps could be, because clearly their findings are not accurate, and they said nothing can be done. I asked them how this could be determined, and they mentioned something about my phone number had not changed in 30 days, and that was what they used to determine it was not fraud, but they could not provide me with any further details due to something -- I forget what she said, maybe confidentiality? I think this is absolutely ridiculous. Why in the world would I knowingly use an unactivated card XXXX separate times throughout the day, while still receiving notifications on my phone that the card is clearly not activated? Also, I have been a loyal Wells Fargo customer for XXXX years, if not more. I have never had a single issue with my account, there has never been fraud, nothing has ever been lost or stolen. Also, if you look at my XXXX years of having this debit card, never have I once used it to make any sort of purchase -- not food, gas, anything. All the transactions have been at the ATM to withdraw money, deposit checks, and that is it. Any other transactions are done on my credit cards. Also, I now have an XXXX car, so I definitely would not need to get gas at the gas station. So for me to suddenly charge an unactivated card for 3 times, and try to use them at a gas station and XXXX XXXX is highly unlikely. I don't know what they used to determine this was not fraud, but clearly it was not enough.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
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: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: So bascailly Wells Fargo been stealing my money for years why I say they been stealing my money for yearsso today I looked at my account and my ending balance was XXXX dollars for today but all the sudden the charges that I made to the account days ago been post to the account leaving it in negative.. but I always keep a check book with me to know where my account stands always. So its like the pending transactions that already came out for the merchant the bank basically posting it taking another amount like that.. then when ask about it they cant explain it to me. So for example if i had XXXX in my checking account and spent only {$5.00} that that day it will come out the account leaving my balance at XXXX but when it post to the account for some reason Im left in the negatives
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A