Date Received: 2023-09-12
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: Was hacked on XXXX XXXX. When I caught on to the man on phone I hung up and called the XXXX number on back of card. The money was put back in by Wells Fargo for amount of XXXX. The next month visa came back and took out {$500.00} and then another {$100.00}. They said I approved these charges.
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: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
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 got a Wellsfargo credit card which I have not used since XXXX because credit card offered by some other banks are more competitive. Credit limit is {$3000.00}. I have been keeping this card and thought the credit would help with my credit report. This card has been turned off for years to prevent unauthorized usage or identity theft. On XX/XX/XXXX, I received an automated email that says my card has been turned on, as requested by me via phone on XX/XX/XXXX ( It was not done by me ). As soon as I saw the email I logged on to my account, turned it back off. In turn, I checked my transaction history, and I found a unauthorized charge, the amount is {$330.00}. I contacted Wellsfargo to report the unauthorized charge. We thought my account XXXX have been compromised. Wellsfargo suggested to issue me a new card and closing my account. And they will take care of the unauthorized charge. When I logged back in to my account to check whether the unauthorized charge has been removed, I noticed that there is a adjustment that credited back the {$330.00} on XX/XX/XXXX, but again {$330.00} unauthorized charge is put back to my account, all XXXX transactions happened on the same day XX/XX/XXXX and charge of {$330.00} becomes permanent on my account. Also I noticed there is a in-context messaging on my account portal that says I can still use my old card until my new card is activated. I was very confused about that because I thought my account has been compromised and the old card number should be closed right away. About 2-3 weeks later I received a letter from Wellsfargo that says they need additional information and have me to call them. I called them and they asked a few question such as whether anyone else is authorized to use my card, I responded no. And few business days later, I received a letter that says my claim has been denied and i am liable for the charge. I called Wellsfargo again, they had me to submit police reports and other supporting documents. I provided them the information. I also went to the merchant who appears as the {$330.00} on my credit card statement ( XXXX # XXXX XXXX XXXX XXXX CA XXXX, provided the transaction date, amount, and credit card number, but they couldn't find any transaction associated to the information I provided. I waited for another week or so, they sent me another letter that says my claim is again denied. I contacted Wellsfargo executive office, they requested the fraud claim department to reopen the case. They told me it could take u to 15-20 business days to finalize the case. I asked if they can expedite the process since my credit card due date is approaching but they can't. Eventually I had to paid {$330.00} out of pocket ( The auto payment kicked in ). The case is still pending as of now. It has been almost 2 months now and there is no resolution. I have spent hours on phone with them, spent hours on assisting them with the case. It has been a very frustrating experience. There are many online resources and posts about how Wellsfargo handle credit card fraud case. This is one of them : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94545
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been a banking customer with Wells Fargo about a decade now. For the most part my banking experience was an enjoyable one up till about 4 or 5 yrs ago. I sometimes receive overdraft fees when the money was transferred to my account, from another bank, or charges come through after what they call " processing closing times. The closing time as I was told was XXXX or XX/XX/XXXX. So anything after that time would post the next business day and would be pending. If a charge post to my account and there is no money or not enough to cover it, I get charged a fee. Because of this practice, I have alerts through text and email that tell me exactly when something posts and the amount I'm overdrawn. On XX/XX/XXXX @ XXXXXX/XX/XXXX I received and email that said my available balance was XXXX and I received a text at XXXXXX/XX/XXXX. These alerts were set up by a Well Fargo mgr ; I was told it was real time. I could prevent overdraft fees by being alerted once I'm in the negative by transferring money once I received them. Money was transferred at shortly thereafter and it brought my account to a positive state. My account closed the previous business day at XXXX and some change positive. I called and spoke with a XXXX we both reviewed the transactions and agreed the my account had a positive balance at closing. So I was refunded. XXXX The very next day on XX/XX/XXXX, my account was positive when I went to sleep. I received an alert via text an email that my account was negative XXXX at XXXXXX/XX/XXXX. I received this alert at XXXX via text and XXXX via email. I transferred XXXX in less than XXXX min later. My account again was positive. I then receive a notification that my account was XXXX and that I received two overdraft fees. One of these same transactions, I was told was on hold yesterday and was taken away from my available balance when I received the 1st fee, the prior morning. I called again and asked why did I receive a fee when I received the alert this a.m and why was it processed for the 11th and not the business day of the 12th? Then he said the alerts aren't real time as I've been told. I then requested my account to be closed. This has become repetitive every few months. They experience a glitch or something that causes me to get a fee. When it's my fault, I pay it without a problem. It seems as this is nothing but a money grab for them, while I have to fund it. I'm tired of it! It needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my loan off in XXXX.The Company sent me my title and reported my account closed and delinquent. I've spoke to a agent with Wells Fargo.He stated it would be corrected but it hasn't yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29045
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: Account information incorrect
Consumer Complaint: FRAUDULENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
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: Deposits and withdrawals
Consumer Complaint: I am writing to lodge a formal complaint against Wells Fargo for its failure to make funds available from a state-issued check, leading to severe personal and financial hardships over the past XXXX weeks. On XX/XX/2023, I deposited a check issued by a state organization into my account at Wells Fargo. Subsequently, I reached out to the bank on several occasions to inquire about the delay in making these funds available. The following Saturday, I spoke to XXXX separate customer service agents, both of whom claimed that the bank suspected the check was fraudulent. Furthermore, that Monday, I met with a branch manager who stated that the funds from the check were not available. It was bad enough, that I had to wait almost an hour to be seen and was told he had to leave to run an errand. I insisted on being seen, especially after waiting for almost an hour without being asked by him or the security officer why I was sitting there for so long. Instead, they both were visibly upset I asked to check why I could not have access to my funds to be told a lie without any way or help to recover my funds. To verify the authenticity and status of the check, I contacted the State comptroller 's office directly. They confirmed unequivocally that the check already cleared within XXXX days and that the funds had been transferred to Wells Fargo 's accounts. Because of Wells Fargo withholding of my funds, I have experienced significant financial distress. I am unable to pay critical bills, including rent. My phone service was disconnected, and I was forced to borrow money from my supervisor at my new place of employment a deeply embarrassing situation. Most distressingly, I couldn't send money to support my spouse and child, leaving them without the means to cover essential back-to-school expenses. It's deeply concerning and distressing that a reputable banking institution would withhold legitimately sourced funds beyond the legal allowable time, leading to such profound personal and financial ramifications for their customers. At the time of writing this letter, I still do not have my funds. I urge your office to investigate this matter thoroughly to ensure that such mishandlings does not happen in the future to myself or other customers. I would also like guidance on how to proceed further and any remedies available to address the financial and emotional hardships I've endured due to Wells Fargo 's actions. Thank you for your attention to this critical matter. I look forward to your prompt response. Respectfully,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
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 during payment process
Subissue: Paying off the loan
Consumer Complaint: The company provided me my asset-backed security and not the Indenture Agreement with all supplements and amendments, Indenture Trustee and Trustee name and contact information to include mailing ( street address ) information. The Trust Act of 1939 requires that this information be provided if requested by a note or bondholder of an asset-backed security. They closed the complaint without providing the requested information. Please provide what I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wells Fargo never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT WELLSFARGO ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
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: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged so many hidden fees and over drafts it kept me in the negative. Causing many problems with bills food ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29640
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX wednesday XXXX XXXX i got a text message from cell # XXXX and it read *********************************** FreeMsg : Verify Wells Fargo activity. Card XXXX {$2200.00} @ XXXX XXXX {$82.00} @ XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ****************************************** XXXX wednesday XXXXXXXX XXXX. i called wells fargo using my cellphone. XXXXXXXX XXXX XXXX XXXX of << wells fargo everyday banking XXXX answered my call. i informed her that i got a text message at XXXXXXXX XXXX on my cell phone from an unrecognized cell # XXXX about transactions needing authorization. she confirmed that cell # XXXX is indeed wells fargo. she told me that the transaction description mentioned << card inserted >> that meant a debit card was used. i told her that i have my debit card with me here at home. she asked me if i did transaction at XXXX for {$1.00}, i replied 'no '. she closed my debit card right away. she told me that a new debit card will be sent to me via mail and will reach me in a week or so. she told me not to worry because those transactions in the text message did not push through since i did not reply to the text message. she advised that i update merchants of new debit card and its expiration date. she advised me to change online wells fargo password. she advised that i change my email passwords. ****************************************** XXXX monday XXXX XXXX. i spoke to XXXX of wells fargo. i told her that i am disputing the transaction {$2200.00} by merchant XXXX XXXXXXXX posted on my checking account on XXXX she gave me a claim reference # XXXX wait 10 business days as a required time frame. XXXX indicated that my debit card was closed on XXXX due to me reporting of unauthorized transactions but she is not sure why the transaction {$2200.00} still got charged on my checking account. i asked her why did i still get charged the unauthorized transaction worth {$2200.00} eventhough i informed them within minutes of finding out via their text message that someone was trying to charge my debit card without my authorization? she does not know the answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A