Date Received: 2023-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Dear CFPB, I am writing to lodge a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. The bank 's insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
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: Cashing a check
Consumer Complaint: About two years ago I received a letter from Wells Fargo Bank asking me if I received a settlement check already. I called Wells Fargo and asked them to send me the check. When I deposited in my XXXX account ( Wells Fargo is no longer my bank ), it was returned with a notice : Refer to Maker. For quite a while, I did not know where I had put the returned check. When I found it recently, I tried to cash it at XXXX, but there was something wrong. I then called Wells Fargo and verified that the check would be honored at a Wells Fargo branch. But when I presented the check to the teller, he called the checking dept and was put on hold for XXXX minutes before he was told that they could not verify the validity of the check. The next thing I did was file this complaint. The amount of the check is {$54.00}. I believe that Wells Fargo is attempting to avoid paying off this settlement by playing these games.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95492
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: Old information reappears or never goes away
Consumer Complaint: XX/XX/13 @ XXXX AM I received alert that my credit score decreased by XXXX 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
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Following inquiries, were never applied to from me, XXXX XXXX XXXX XXXX XXXX XXXX ) WF Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WF card SvcXXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On two separate occasions I have initiated a balance transfer from XXXX to WELLS FARGO to pay off a balance. Both times WELLS FARGO has returned the payment. Pursuant to UCC 3-603 ( c ) interest no longer accrues on this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
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: 33596
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Wells Fargo offered me a predatory credit card when I was only XXXX XXXX XXXX with very high interest rates and a very high credit limit. They intentionally mislead me and trapped me in debt for many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have submitted endorsed promissory note to indentured trustee for XXXX XXXX XXXX, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with XXXX XXXX XXXX. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
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: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX of XX/XX/2023 I saw an email from Wells Fargo bank saying that there has been an attempt on the XXXX of XXXX to withdraw money from my checking account using my debit card in the amount of {$5000.00} at XXXX XXXX but the e-mail said that the transaction had been declined I look it at my account online and discovered that there was also a {$2000.00} purchase made in California on the same day. I immediately called the fraud department of the Wells Fargo and they told me the account would be locked up. The next morning I went to a Wells Fargo branch and file a formal written complaint about my card being used for an unauthorized withdraw of {$5000.00} and a purchase of {$2000.00} after a few days we called the fraud claim department and they informing me that my claim had been denied so then Ive added more documentation and information to open an appeal. About a week and a half later they informed me that they had declined the claim. While I was in the branch office, they asked me about a phone number that had been utilized to make a transfer on my account and I told them I did not recognize the number they also issued me a new debit card on the date I did the formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was solicited by Wells Fargo for a 'REFLECT XXXX CARD '' offering 0 % intro APR on charges and balance transfers for 21 months and XXXX annual fee. After applying for, and receiving the credit card, the fine print states there is a {$5.00} or 3 % charge for each balance transfer. I believe this is false advertising. APR, by definition, includes all charges to obtain the credit ( loan ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A