Date Received: 2023-09-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: We have joint account and we went to the branch in same time to close XXXX of the account holder in order to remove her from the account on XXXX XX/XX/2023 and till now the account open, we make complaint but no response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to explain why they charge my credit card fee with no reason fees, They cant fix my problem, and no refund. They just want me to pay for it! I never pay late on the due date, and I never over the limit credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Information came to my attention that all my accounts are being closed due to suspicious activity. There is absolutely nothing I am doing wrong and there is XXXX suspicious activity going on in my company and for Wells Fargo to decide and close my business account all of a sudden with little to no notice abruptly is unacceptable. This is effecting my business because my employee is no longer able to retrieve money from account ending in XXXX. My Business can not operate and is currently closed because My employee is no longer able to pull money from this account to run my Business. I need this account and the rest of my accounts unlocked as soon a possible. This is not acceptable. Nothing has changed from our initial implementation and discussions we had. Why is it all of a sudden what I was doing from the very beginning all of a sudden suspicious? I have always deposited the same amount because it is a liability for my business to hold more money at the business locations due to safety and risk of thieves breaking in and stealing. This is not ok and I really hope you fix this situation because my businesses in Northern California are currently closed because my employee can not retrieve money to run my business. We are a XXXX XXXX and we pay cash to our customers for the material that they recycle with us and we do not have cash to pay customers now and are closed. We are paying rent here and losing customers constantly. Please let me know soon as possible. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 I saw the Wells Fargo advertisement about opening an Everyday Checking account and receive {$300.00} bonus if I follow the terms and conditions. There was a specific sign up bonus button to use, I was taken on the site and signed up. The requirement is I have to have {$1000.00} direct deposit with in 90 days upon opening the account, the deposits were from my work and not transferred money. After 90 days, I haven't received the bonus and when I googled, it says I have to wait another 30 days because the bank has to check if I qualify which I know I did. After the 30 days, still nothing and so I called WF and I was told there was no promotional code linked into my account. Because I know I followed the procedures and I qualify, I insisted and was transferred to a lady who gave me a request code, she talked to me making sure I understand the terms and conditions which she told me that clearly I did understand, she submitted a request for me to get that bonus. She said it'll take 10 days until I hear back from WF. After the 10th day still nothing, I called the bank and was told it was still denied because I don't have the promotional code. There was nothing on the site that says I should receive a promotional code, I clicked on the button they said I should use to sign up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I ordered 60 lawn chair repair straps and matching clips, 10 extra clips and 2 cans of paint from XXXX XXXXXXXX XXXX XXXX XXXX on or about XX/XX/, for a cost of {$160.00} ( which included {$33.00} XXXX XXXX XXXX. ) They acknowledged the order. I followed up with them by their online chat service, by email, by text messages and by FAX, asking if they were going to fulfill the order. All I received was a single phone voicemail with some kind of apology. Eventually, the company sent one single strap, the ten additional clips, and the two cans of paint I disputed the charge with my bank, Wells Fargo. I provided Wells Fargo with a full documentation of all my efforts to get my order. Wells Fargo contacted the company, which responded by falsely stating that THEY had tried to contact ME about the length of the straps, but in their response they not only admitted they never sent the remaining 59 straps, but they included a copy of the invoice which has MY comments stating that I -- not they -- I had tried to contact them many times about the length of the straps, thereby disproving in their own evidence their false claim to my bank. The company provided no other evidence they had done anything to contact me, though they surely have copies of their own chats, wherein I repeatedly tried to contact them and confirm the length of the straps. Since I have received part of the order -- though the paint is useless without the straps -- I offered to compromise and reduce the disputed amount by the cost of the paint ( {$16.00} ) but not the {$33.00} in shipping for the whole order. Wells Fargo conceded on the phone it was obvious the company had not sent the ordered straps, and that my comments on the company invoice, as well as a shred of supporting documentation to back up their assertion that they tried to contact me, as well as my comments on their own invoice, showed the company was at fault for not sending the remainder of the order. Despite all this, Wells Fargo has now denied by disupte, says the COMPANY has accepted {$140.00} -- the cost of all the straps ( {$100.00} ), which they never sent ) and the entire shipping and handling cost ( {$33.00}, even though all they sent was 2 cans of paint, 1 strap and ten tiny clips ). Wells Fargo thus has denied my dispute and refuses to provide any appeal or redress. They reached the exact opposite result, despite a complete absence of evidence in the company 's favor, and won't do a thing to fix their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On or about XX/XX/2023, I contacted Wells Fargo Bank 's escrow department via their online portal ( https : XXXX ). The purpose of the contact was to update my fire/liability coverage on the property as Wells Fargo XXXX XXXX I submitted the " proof of insurance '' via the " mycoverageinfo '' website, along with instructions on how and where to send the policy premium, which was due prior to XX/XX/2023. On XX/XX/2023, my insurance agent contacted me indicating they had not received payment for the fire/liability policy yet and that failure to pay the premium as agree could lead to a lapse in coverage and/or cancellation of the policy. So, I contacted Wells Fargo escrow at : ( XXXX ) XXXX I explained to the Wells Fargo escrow person who answered the phone ( recorded line ) that I had submitted my " proof of insurance '' last month, but that my insurance agent had not yet received the policy premium payment. The escrow person indicated they had " mailed a paper check '' out to the insurance carrier the week previous. I then explained that my instructions for paying the insurance premium were submitted with my " proof of insurance '' and contained specific instructions on making an electronic payment to my agents company - not directly to the insurance carrier. The escrow person then indicated it was Wells Fargo procedure to send paper checks and to send them only to the insurance carrier. I told the escrow person this was unacceptable as a paper check was not the procedure the insurance agency or carrier uses to ensure premium payments are properly credited to the applicable accounts. Next, I called my insurance agent and asked if he would get on a 3-way call with me and Wells Fargo escrow . He agree but the escrow person told him basically the same thing she had told me. Namely, Wells Fargo escrow only sends out paper checks directly to the insurance carrier and does not use electronic transfer ( and not to the insurance agency ). The escrow agent did offer to cancel the paper check, issue a new paper check, and " overnight '' it to the same po box they have on file for the insurance carrier ( XXXX ). I told the escrow agent this wasn't acceptable because the policy premium was due and payable on XX/XX/2023! I then asked if Wells Fargo escrow would reimburse me if I paid the premium out-of-pocket to avoid a lapse in coverage. The escrow person indicated they were not allowed to do that. So, we ended our call with Wells Fargo without any resolution to the problem of getting {$3300.00} in escrow funds to my insurance agent so that he could pay the insurance wholesaler who, who in turn paid XXXX for the insurance coverage. What ended up happening was that I paid the policy premium out-of-pocket to avoid a coverage lapse. But I still have been reimbursed by Wells Fargo escrow. I think Wells Fargo 's intransigent escrow policy of issuing only " paper checks ' is antiquated, burdensome, and slow. Also, they waited until the eleventh hour to mail our a paper check and then did so to the insurance carrier 's address ( who apparently does not accept payment in this manner ). The escrow monies associated with my mortgage are held by Wells Fargo for the purpose of paying taxes and insurance on my property. They have a fiduciary responsibility to tend to these matters and to ensure the payments are made on time. Had I not taken out a personal loan and paid the insurance premium, my fire/liability policy may very well have lapse. This is unacceptable and it was avoid able had Wells Fargo followed the instructions that were uploaded with my proof of insurance on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Getting the loan
Subissue:
Consumer Complaint: Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX please remove the inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Long story short, I am in the process of closing on a house with a VA loan. We found out that Wells Fargo was not reporting my truck payments for over a year on a loan that was opened on XX/XX/XXXX. I had no idea that this was the case until my home loan was going into underwriting and my loan officer brought it to my attention as it all of a sudden appeared on my credit report as of XX/XX/XXXX. I went through pre-approval in XX/XX/XXXX. Wells Fargo essentially had my loan reported as in forbearance for over a year even though I was making all of my payments and on time. I am expecting to close on a house on XX/XX/XXXX and Wells Fargo claims they can not expedite the reporting fixes and the letter that the finance company is requesting to repair my credit report. I began discussions with Wells Fargo on XX/XX/XXXX and have spoke with them every day since. They still can't answer when this will be resolved and claim they have escalated the case. I am a first time home buyer trying to utilize my VA loan. With interest rates being as high as they are today, it's already tough. I would like to be able to close in a timely manner before it gets even worse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I found an apartment for rent I was interested in on XXXX. I contacted the apartment and they said it was available but I wouldnt be able to tour in person until the XX/XX/23. XXXX XXXX provided me with a video of the apartment in the mean time. I liked the video and proceeded to apply for the apartment. I went to where the apartment to see that it was a real apartment and a real address but never entered the building because I was told the tenant was still living in the studio apartment. I filled out an application on XX/XX/23 and was told I was approved on XX/XX/23. I received the lease on XX/XX/23 and signed it. On XX/XX/23 {$1200.00} for XXXX months rent and {$1000.00} for the security deposit so it was {$2200.00} total. I received a banking routing and account number to send the money to through Wells Fargo and also received the address associated with that account to process the payment. He said the payment was received and I would get a receipt. On XX/XX/23 I did not receive a receipt so I emailed again and he said he would send it by Friday XXXX. I still did not receive a receipt so I proceeded to send follow up emails. After a couple days I got worried and went to the address to try to speak to someone. On XX/XX/23 I spoke to the super in the building and he told me all apartments were occupied and that there were none for rent. I saw the building information in the lobby and realized it was not the same landlord that was on the lease I signed so I realized I was scammed. On my lease was the land lord was XXXX XXXX but the building is actually owned by XXXX XXXX XXXX XXXX. I reported this to my bank right away but unfortunately they said they couldnt recover the funds. The case number from my chase bank is # XXXX and the trace # is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi This complaint is in regards to my Wells Fargo Platinum Savings Account that I opened in XXXX XXXX because of 4 % promotional interest rate ( not APY ) for 3 months. As per requirements of the offer I did deposit minimum amount to my account to trigger 4 % within 15 days of transfer. I see I have not been getting 4 % interest rate ( not APY ) as promised. I called them soon after I opened my account in XXXX to confirm if the offer was applied and they confirmed that I will get 4 % for 3 months which comes out to be in excess of {$6300.00} based on the balance in my account. I would have hoped to get atleast {$2000.00} per month ( will vary depending on my daily balance ). Now after visiting branch they are not able to give me a clear answer or explain clearly to me on why I was not getting 4 % interest rate. Hence I request you to forward my complaint and look into it asap. Thanks for help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A