Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. Well-Fargo XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: During the beginning of the epidemic, I spoke with someone at Wells Fargo Dealer Services about payments, I declined the deferred payment at first, then I accepted the offer for deferred payments and heard nothing after that. I was working in XXXX Tennessee, and the truck was repossessed. They didn't allow me to make up the payments I missed, instead they made me come up with XXXX to get the truck back. I had to use payroll to get the truck back. Wells Fargo now says that its a charge-off after I paid my money, and its not favorable on my credit report. I have repeatedly told them that this is a bad practice. I went to purchase a truck today and was denied because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo has let multiple charges go through my account and charged me overdraft fees after multiple conversations to decline any charge made without the proper funds. I deposited a check on XX/XX/XXXX in the amount of {$3000.00} ( from a bank that they had previously received a XXXX check from and cleared with no issues ) to Wells Fargo to avoid further charges or overdraft fees. I made the deposit via the mobile app and after a not so great conversation with the level 2 call center regarding the unnecessarily long hold, the gentlemen proceeded to then reject my deposit causing me to have to physically go to the bank to make the deposit. I received a receipt stating a partial hold would be released on XX/XX/XXXX and the remaining on XX/XX/XXXX and that no further overdraft fees would incur. That was not true. I woke up to a notification that an additional 7 day hold was applied to my check from XXXX XXXXXXXX XXXX, for no reason and to more overdraft fees charged. I have called Wells Fargo call center multiple times today and received nothing but hostility as well as the Branch Manager locally. I called the local branch at XXXXXXXX XXXX on XX/XX/XXXX and never received a call back. I then called again at XXXX XXXXXXXX to get an update. They are saying they are unable to verify the funds, however they waited until XXXX PST to even call to attempt to verify the funds from an XXXX XXXX XXXX XXXX They have told me there is nothing they can do and that I have to wait till XX/XX/XXXX. The way I have been treated by Wells Fargo in the years I have banked with them is disgusting. This last and final event that just occurred was the final straw. The complete disrespect and disregard for people is astonishing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Called from a unknown number claiming I owe XXXX from XXXX. Threatened legal action if I didnt pay right away was insisting I pay anything just to slow down or stop the legal action. Claimed I had account from XXXX. In which I was homeless during those times and have no recollection of ever having such a account. They claimed it was from Wells Fargo bank. Ive had previous issues with identify theft so I believe someone has stolen my information They were persistent on me sending money right away even after I asked for company address and information They called from restricted numbers saying they had legal documents that will be delivered for me to sign.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been fighting Wells Fargo ever since my wife passed away on XX/XX/2023. When my wife came home for XXXX XXXX I put all my credit cards on self-pay so I wouldnt have to deal with them and during the time my wife was going downhill I didnt read emails. I didnt look at anything. I was just concerned with my XXXX wife in front of my eyes. After she passed I immediately went to my Wells Fargo account so I could pay for the funeral and I opened up my active cash visa account and I saw I had a {$26000.00} balance when I shouldve had a {$5000.00} balance. I immediately called Wells Fargo to let them know that somebody had used my account. Wells Fargo said they will straighten it out. About 10 days later I got a letter from the fraud department, telling me that I was responsible for the charges. I then called Wells Fargo and I said whats the matter with you? They said to me that I made a payment on the account and because I made the payment I accepted all the charges. How do you explain to them if they only look, they would see that it was an automatic payment and I explained to them why it was an automatic payment? They said they would take care of it. 10 days later, I got a letter from the fraud department saying theyd determined that the amount was due and I had to pay it. I called Wells Fargo again and explained that I am a 100 % XXXX XXXX XXXX in a XXXX I couldnt have been in Hawaii buying XXXX handbags and in New Jersey buying things and at XXXX buying {$700.00} worth of things, using XXXX for XXXX dollars for one ride and a lot of other rides, charges in New Jersey, and other charges. I explained that I dont use XXXX because Im in a XXXX XXXX and I cant use it. The Fraud department said would take care of it. 10 days later I got a letter from them saying I was responsible for all charges. I then wrote a letter to the Wells Fargo President explaining everything and I got a call from the executive branch I explained everything to them and they said it sounds like youre correct so they said they will contact the fraud department. 10 days later, I got a letter saying I was responsible for all charges. They claimed my credit card was used. I told them that my credit card was on my person the entire time. Apparently, during the initial interview, I was confused and they asked did anybody else had my credit card I said I gave my daughter when I was in the car for her to pay for gas, and she put the card in the gas credit card receptical and gave it back to me but I was always in control of my card. So the executive people said they would contact the fraud department and the fraud department wrote back to me days later that Im responsible for the charges because it was my card that was used. Thats impossible because the card was in my possession at all times. Then I noticed one of the charges on XX/XX/XXXX in Hawaii for a hotel for over {$2000.00} or so was on the statement and that that time I was at the VA for an appointment so I told them that and they said prove it, and I sent them an appointment schedule showing that I had an appointment and it had been completed. They said they wanted a letter from the doctor. I told him I couldnt contact the doctor. I said the appointment record shows that I was there and they said somebody else couldve taken your place. Thats ridiculous because when you go to the VA you have your VA ID XXXX XXXX got to show it to enter and every time you go to an appointment you have to show it to go in and it shows your picture and everybody knows you and I explain that to them information. The fraud department said they would check it out. 10 days later I got another letter from the fraud department saying Im due to pay all the charges. I by chance had another appointment with the doctor that I had seen on XX/XX/XXXX and I told her of my problem and she couldnt believe it. She asked if there was anything she could do and I gave her the number of the executive department. The executive department says it sounds like its good and they will send it to the fraud department. Ten days later the fraud department wrote back and said all the charges were my charges. Beware of the Wells Fargo Active Cash Visa Card. I am still in the process of disputing the fraud department. Now the executive department is reviewing all recorded conversations I had with the fraud department. I said not to continue automatic payments, but over {$7000.00} was taken from my checking account to pay the interest on my Wells Fargo Active Cash Visa Card without my authorization. I was told I would receive word this Friday word on the executive department 's findings. I didn't keep records because I was so distraught. I kept reopening the case. I am now dealing with XXXX in the Executive Office her phone number is XXXX. I am XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
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: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hi, Someone withdrew my money at Wells Fargo Bank on XX/XX/XXXX {$600.00}, then {$700.00} and {$1500.00} on XX/XX/XXXX. I called and worked with many departments of Wells Fargo. Police confirmed that not me who withdrew money. Until now, I can not take back my money. Here is the details : - XX/XX/XXXX, someone went to Wells Fargo XXXX XXXX XXXX XXXX MN to withdraw {$600.00} from my account ( Photo # 1 ). I dont know how the thief could do that without my ID. - XX/XX/XXXX, I called Well Fargo to file claim fraud transaction and asked them suspend all withdraw money from that day. - After that I received the decision from claim department to deny my claim. - I called many times to Wells Fargo trying to find out what happened. I found out that Wells Fargo XXXX was the branch where the suspect withdrew my money. - I filed police report about this case. - I called well Fargo many times, back and forth in person with Wells Fargo XXXX representatives many times and worked with police office from XXXX to XX/XX/XXXX - Police Office sent request to have video record of the branch. Finally, the Officier got the video and photo of the suspect ( photo # 2 ) -After having the conclusion from police, Wells Fargo still denied to return my money. - XX/XX/XXXX, XXXX XXXX ( branch manager of well Fargo XXXX where the incident happened ) emailed me about denied claim ( photo # 3 ) - XX/XX/XXXX, I replied XXXX, cc the police officer to explain him about polices conclusion. - XX/XX/XXXX, XXXX ( police officer ) asked XXXX to provide email or contact of decision maker of well Fargo. She confirmed that the suspect was not me. ( photo # 4 ) -XXXX DID NOT provide decision makers contact. He gave me claim department number and denied to follow my case. - I tried to call claim department many many times but nothing change. I almost GAVE UP - XX/XX/XXXX, my account was withdrawn {$700.00} with reason check is being returned due to altered check. ( photo # 5 ) - XX/XX/XXXX, my account was withdrawn $ {$1500.00} with the same reason. ( photo # 6 ) - I called Wells Fargo to find out these check that were deposited on XX/XX/XXXX and withdrew right away at well Fargo branch ( photo # 7 ). Supprisingly, those transactions DID NOT appear on the statement of my account. Of course, I was NOT deposited these checks. - I continued to file the claim for XXXX cases. - I also emailed to XXXX XXXX ( Vice President, District Senior Manager ). He is XXXX boss. Hope he would follow up and help me to take back my money. - Im very disappointed when receiving XXXX email. - 7 months passed, Police have conclusion. Wells Fargo have video records. However they still dont change decision and NOT RETURN MY MONEY Please help me to bring my voice to Wells Fargo high level manager to take action Thanks and best regards. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 Wells Fargo Bank processed an unauthorized Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX. I reported this transfer to XXXX by phone and in person at their XXXX XXXX XXXX XXXX in XXXX, Oregon as a fraudulent action by persons unknown to me. The branch manager took my full report and advised me that the bank 's Fraud Detection department would conduct an investigation and recover my funds. All that subsequently happened was my account access was restricted and eventually closed. No effort by WFB to recover the funds from XXXX was made or reported to me. I made contact with XXXX XXXX by phone at ( XXXX ) XXXX on XX/XX/2023, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Wells Fargo Small Business closed our business cards on XXXX without my permission or consent. I reached out to ask why and was told " our business was sold. '' I informed the WFSB supervisor that this was not true and to restore our cards immediately as we and our employees need the cards for daily business. Later in the afternoon, per the request from WFSB, I faxed a document requesting that the accounts be reopened and stated that the business had not been sold. I also requested that WFSB provide the documentation that stated that our business had been sold. This morning I received an email from WFSB saying that they would not reopen the accounts. This is very stressful and a huge problem for us. Bills need to paid and products/supplies need to be purchased. It is highly likely that the person who sent the email this morning has not received or looked at the fax that was sent yesterday per the WFSB representatives request. Communication within this group is terrible as evidenced by this situation. ( From my previous experience it takes weeks for WFSB to read and enter a fax. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-wells-fargo-to-pay-37-billion-for-widespread-mismanagement-of-auto-loans-mortgages-and-deposit-accounts/ Referencing this article, Wells Fargo incorrectly managed Deposit accounts ( e.g. Checking and Savings ) and is due to pay back money but I have not been contacted regarding a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A