Date Received: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fraud claim filed on XX/XX/. Our mail was stolen at work and as a result a check for XXXX was fraudulently cashed at an ATM by the criminal. We were told that the claim would take XXXX days which we are essentially at right now. XXXX XXXX XXXX is the bank that cashed the check. My bank, Wells Fargo, has reached out to XXXX XXXX XXXX to seek reimbursement so that WF could give us out stolen money back. I have reached out to WF again to request status but have not received any response. I have no account at XXXX XXXX XXXX so they wont talk to me. They did however give me a XXXX XXXX XXXX claim number XXXX so Im hoping that you can reach out to them as well. We are a small family owned business and this money is greatly needed to help us keep our doors open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
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: Can't stop withdrawals from your account
Consumer Complaint: I opened a checking account with Wells Fargo branch in the XXXX XXXX area, I had a fraud garnishment, a spoof, bank robber they withdrawn money from my account someone send them a fraud garnishment child support that had been removed expunged for 10 years it keep causing a data breech in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
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: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargos services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
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: Fraud or scam
Subissue:
Consumer Complaint: I have met XXXX XXXX on XXXX and later moved to XXXX to continue communication. XXXX XXXX indicated that she is a analysist for XXXX in XXXX XXXX, introduced me to XXXX XXXX ( customer service rep ) and persuaded me to enter as partners in to a forex account at XXXX XXXX XXXX XXXX XXXX XXXX under XXXX for foreign exchange account. in doing so a series of wire transfers were made, including service fees to the account from my bank Wells Fargo to fund the investments. XXXX {$5000.00} to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Once the account started to make some profits, I wanted to withdraw some money. I was told to pay service charges and then XXXX XXXX XXXX. Additional wire transfer were made, including services fees. XXXX {$6500.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Needless to say, I never received the amount of withdraw requested and soon after, I lost contact with XXXX XXXX and XXXX XXXX. I have been a victim of fraud. this incident have been reported to the XXXX XXXX Police, report number XXXX and other agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22312
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: Fraud or scam
Subissue:
Consumer Complaint: A wire transfer was made from my phone through a scam call on XX/XX/XXXX. The amount was {$10000.00}. I immediately called the bank and told them not to let this wire transfer go through and I went down to the bank branch to also report this and other fraud that was done on my account. They gave me reference numbers from my claim and I told him to put a hold on my account for days later more fraud was done to my account so they did not put a hold on it and also acted like they did not know much about the {$10000.00} that was gone. I am still getting the runaround from the bank. They finally sent me a letter telling me they were unable to retrieve my funds and that the case was closed. I dont understand how I can not be protected from my financial institution. I thought they were supposed to protect me with the consumer protection act for up to {$250000.00}. I would like to take my money out of this bank, but there are still disputes going on from mid XXXX at this point I just dont know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85297
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX RECENTLY SENT ME INFORMATION IN REGARDS TO ACCOUNT THEY CLAIM THEY PROVIDED FUNDING TO ME BUT I NEVER RECEIVED ANY LOAN FROM THEM. I REQUESTED THE TRUE BILL OF SALE, REPOSESSION AND INVESTIGATION ORDERS, LOAN DISCLOSURES AND IF THE ACCOUNT IS REPORTING AS CHARGED OFF, THE PROPER TAX FILING THAT DEBTOR/RECEIPIENT IS SUPPOSE TO RECEIVE FOR TAX PURPOSES, AS ACCORDING TO THE IRS WHO IS AUTHORIZED TO ENFORCE TAX LAWS. TD AUTO FINANCE HAS FAILED TO PROVIDE THESE DOCUMENTS TO ME VERIFYING THE ACCOUNT CHARGE OFF STATUS. THE INFORMATION THEY ARE REPORTING TO THE CREDIT BUREAUS DOES NOT MATCH THE INFORMATION THEY SHARED NOR ANY CONTRACT I SIGNED. ONLY CONTRACT I HAVE STATES XXXX TERM FOR MONTHLY PAYMENT OF XXXX NOT XXXX MONTHS AT XXXX. THEY CHANGED THE CONTRACT WITHOUT MY PERMISSION OR KNOWLEDGE AND FORGED MY INITIALS ON THE ITEMIZED PORTION OF THE DOCUMENT. I HAVE FILED AN FTC REPORT AND WILL BE FILING FORM XXXX WITH THE IRS TO REQUEST AN AUDIT OF THE ACCOUNT. THE CONTRACTS CLEARLY HAVE BEEN ALTERED AND THEY ARE NOT PROVIDED THE TRUE BILL OF SALE, PROOF OF FUNDING, INVESTIFATION REPOSSESSION ORDERS AND TAX FILINGS. I WILL ALSO BE FILING A COMPLAINT WITH THE SECURITIES & EXCHANCGE COMMISSION FOR SECURITIES FRAUD. THE ACCOUNT IS NOW IN DISPUTE STATUS AND SHOULD NOT BE REPORTING IF IT DOES NOT MATCH THE TERMS EXPRESSED IN THE ORIGINAL CONTRACT, THAT IS FRAUD. THEY ALSO STATED THEY CHARGED OFF THE ACCOUNT, IF THEY DID THEY SHOULD BE PROVIDING THE TAX DOCUMENTS SHOWING THIS. IF THE ACCOUNT IS CHARGED OFF AT THE AMOUNT STATED IN THE LETTER THEY SENT ME HOW IS THERE AN AMOUNT ACCRUING EACH MONTH? IF THERE IS NO MONTHLY PAYMENT DUE AS YOU ARE REPORTING TO THE CREDIT BUREAUS HOW IS THERE AN AMOUNT ACCRUING? SENT LETTER TO WELLS FARGO INDENTURED TRUSTEE XXXX XXXX XXXX, THEY ARE ALSO RESPONSIBLE AND LIABLE FOR THE FRAUD THAT IS HAPPENING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Wells Fargo open an account unauthorized in my name a checking account I had no idea until I got an email stating that I had an account open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Wellsfargo announced a while back that they were closing out all of their personal lines of credit. There was such a huge push back from all of their customers that they decided to leave them open. Apparently, some time later they decided to begin charging us a yearly fee to force us to close it. The problem is that if you haven't been using the line of credit, you have no way of knowing that you owe the fee. There was not an email alert to go out or anything mailed to me. I found out about this fee that has been on my account for months and I'm unsure if it will affect my credit score. I was told that it " should '' not. I was given the option to pay the fee and keep the account, or pay the fee and close out the account. I think that is robbery for an account that I never use and to be forced to pay fees to keep a credit score. If I close out this account I am expecting my credit score to decline since I've had the account since XXXX. I may also see a drastic decrease in my credit score if they report this fee as past due. I was told that this fee has been on my account since May but have never been sent an email or anything about a past due balance. I now want this fee reversed and the account closed. I will take the hit on the credit score before continuing to do business with this bank. The only reason I was even aware of this fee is because I signed into my account to check their mortgage interest rates. When you're in the market for a home the last thing you need is a decrease in your credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30106
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: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33782
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XX/XX/13 @ XXXX XXXX I received alert that my credit score decreased by 13 points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A