Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ my Wells Fargo debit card was lost to me and used at multiple locations without my permission. The charges were varied and mostly consisted of ATM withdrawals in various amounts from {$1200.00}, {$420.00}, and {$260.00}. My phone was also stolen for a period of time and someone was able to use my bank to commit further fraudulent transactions through XXXX XXXX totaling {$1700.00}. I contacted my bank immediately after I became aware of the situation and promptly filed disputes and shut down that card. As of XX/XX/ I was told that my claim was denied due to Wells Fargo concluding the transactions were valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
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: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received a letter from Wells Fargo that an online application was done to open a deposit account in my name and address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17111
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 XX/XX/2023 I received a text notification that my account was below the limit I had set. I immediately went online to check my account and became aware that there had been an unauthorized withdrawal of {$2000.00} from my checking and {$900.00} from my savings account. I immediately contacted the fraud department of Wells Fargo and they told me they would freeze the account. On XXXX XXXX XXXX I went to a Wells Fargo agency and filed a written complaint as per instructions of the person I had spoken with the night before. A few days later, the {$900.00} that had been withdrawn from my savings account were redeposited to my new savings account. Since on my visit to the Wells Fargo branch they close my existing account and open both a new checking and a savings account. But about two weeks later, they declined my claim of the {$2000.00} on the checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37323
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Wells Fargo closed 13 accounts associated with me and my businesses without providing a reason. I was not engaged in illegal activity, and they did not allege that we were. I have never missed a payment on any debt I owed in the past 20 years and had borrowed and repaid {$300000.00} to the bank without issue. The company advertises credit cards rewards for its Active Cash cards. I signed up for the card solely because of the rewards program and their advertising of it. When they closed the accounts on XX/XX/2023, Wells Fargo claimed that they had provided notice that the credit card account would be closed, which is a false statement as they never sent me any letters stating my credit card account would be closed prior to the termination notice. They stated that they were authorized to seize {$200.00} in rewards points that I had lawfully earned, even though they initiated the account closure. Wells Fargo 's Cardholder Agreement, which allows them to widely advertise credit cards programs, unilaterally close accounts, and then seize rewards points, is unconscionable. This behavior by the bank is taking advantage of US taxpayers. I have contacted Wells Fargo multiple times and do not expect a resolution without litigation, which I will initiate if they report this invalid debt to a credit reporting agency. I am registering this complaint so that the CFPB will publish this information widely so that other consumers aren't deceived by Wells Fargo 's advertising that customers are entitled to use the rewards they earned through their rewards programs. I also hope that the CFPB will investigate the false statements made by Wells Fargo 's representatives- where they falsely claimed that I had been provided notice before the credit card account was closed. These statements are recorded on Wells Fargo 's telephone system in calls I made to the Executive Complaints Management Office in XX/XX/2023, and can be subponeaned by the Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16803
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: Someone stole around XXXXXXXX XXXX from my Wells FARGO debit card. I contacted Them and nothing was done to get my funds back to me. I was only giving this claim number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: 33175
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. Yours infuriated, 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: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX ( Report Number : XXXX ) I told the credit bureaus to " investigate every piece of information '' on the account I have disputed. According to the FRCA The term " investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. If they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 100 % accurate.
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: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Today XXXX I went to Wells Fargo due to them closing and account that they supposedly had already opened. I went to customer service physically with my lawful identifications but the lady just said that they don't want my service as reason for account being closed. Banker verified everything and no reason came back to them such as money owed, overdrafts, fraudulent activity. Nothing whatsoever. I really looked forward to getting wells fargo account because it is convenient and a national available bank. The banker just said if I tried to open an account it will just be closed. I am only XXXX XXXX XXXX and really looking forward to getting them as my preferred bank. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78574
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: Charges made to my Wells Fargo credit card out of state where I live.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A