Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: MY CREDIT SCORE DROPPED XXXX POINTS DUE TO ERRONEOUS INFORMATION FROM DILLARDS/WELLS FARGO. I HAVE BEEN TRYING TO RESOLVE A {$27.00} BILLING ERROR THAT OCCURRED IN XXXX OF 2022 AND WHICH NOW TOTALS {$270.00} DUE TO FEES AND INTEREST THAT I DO NOT OWE! THIS HAS DRAGGED ON AND ON AND ON FOR 11 MONTHS. I OPENED A COMPLAINT WITH CFPB AND RECEIVED A LETTER LAST MONTH FROM WELLS FARGO SAYING A CREDIT WAS APPLIED, BUT I AM STILL RECEIVING A BILL ( WITH MORE INTEREST AND FEES ) AND MY CREDIT REPORT REMAINS INCORRECT. WELLS FARGO HAS BEEN ABSOLUTELY HORRIBLE IN HANDLING THIS AND OBVIOUSLY DOES NOT WANT TO FIX ANYTHING. SEE CFPB REPORT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
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: 2023-09-10
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I thought I filed a claim for the Wells Fargo class action settlement about the GAP program but have never heard anything back yet. Early payoff GAP Refund, I have the claim number and the amount that was suppose to be issued to me, but I have not heard from anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 3 fraudulent transactions were denied reimbursement. They clearly are fraud as the employees agreed but they sent a letter saying they were authorized or a processing error did not occur. 3 XXXX totaling {$4000.00} happened using my debit card number. I still had my card when trying to withdraw money. I had to force the manager and do something about the leftover balance. So I withdrew the remaining balance of XXXX and change. They didnt seem worried but I said they might try and use the renaming balance. Surprised that they denied reimbursement. My data had been stolen. Perhaps by a Wells Fargo employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
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: On XX/XX/, I noticed that my Wells Fargo XXXX XXXX was not in my wallet. I went to lock the card in my banking app because it had it been stolen. While checking my account, I saw that the card was used without my consent for three fraudulent transactions at a XXXX in XXXX New Jersey. The three transactions amounted to {$530.00}, {$400.00} and {$1.00}, totaling to {$930.00}. I live in XXXX XXXX XXXXXXXX, and was in the City at the time these charges were made. It would have been impossible for me to make these charges as I was not in the state where the charges occurred. I immediately called Wells Fargo to notify them of the fraud and they took down my statement. I indicated that the card was not in my possession when the fraud occurred. The person on the phone told me they would review my claim over the next 10 business days. Wells Fargo then reversed the fraudulent transactions, so I assumed that they had accepted my claim and the issue had been resolved. Then, on XX/XX/XXXX, I noticed that the charges had been added back to my account. I found this confusing - I did not receive any communication from Wells Fargo regarding my claim ( email, text, or mail ) stating that additional information was needed or that they planned to deny my claim. I called the fraud department who told me that they had tried to get in communication with me via a call, but they left me no voicemail. They also said they had sent me a letter, but my apartment 's mail system is very bad so I did not receive the letter. I specifically told them in my prior call that I can not receive mail at my apartment and they will need to call me. On this call, they then asked for additional information, including whether the card was in my possession when the fraud occurred, to which I told them the card was in not my possession. They told me they would re-open my claim and get back to me within 10 - 20 business days. One weeks later on XX/XX/XXXX, I had still heard nothing from the fraud department - not via mail nor via email or call. I then decided to call them back to ask on the status of my claim. The operator on the phone notified me that they again closed my claim and would not be reversing the fraud. They did not notify me of this. They indicated that the reason they could not reverse the fraud was because I said that my card was in my possession when the charges occurred. I was shocked- this was not the truth and I had never told any operator this. The card was not in my possession when the fraudulent charges occurred. I asked if they could pull the recording of my initial call, to which they said it was not possible. I then opened yet another claim with the fraud department over these charges on XXXX. In this claim, I emphasized that I did not have the card in my possession. I called them back 48 hours later to hear if there was any update, to which they notified me that they had closed the claim. They again did not notify me again that they closed the claim. When I asked them why the claim was closed, they said that my story was inconsistent. In my first claim I said I did have the card, and in my second claim I did not have the card. This was shocking - someone incorrectly wrote down what I had said, and there was no way for me to correct the misinformation. They told me there was no way to remedy the situation, unless I wanted to make a police report they could potentially reopen the claim. I plan to continue to submit this claim as fraud with Wells Fargo and file a police report, but wanted to share the gross incompetence of Wells Fargo with the CFPB. I called less than 24 hours after the fraud charges had been made. They were initially reimbursed, and then without notifying me, Wells Fargo denied my claim. They then blamed me for my claim being denied, when it was their operator who wrote down my information incorrectly and their company who severely under-communicated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXXXXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXXXXXX XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX CHILD SUPPORT PAYMENT SYSTEM HAS BEEN DEDUCTING {$230.00} BiWEEKLY FROM XXXX XXXX XXXX PAY CHECK WHICH {$220.00} SUPPOSE TO BE DEPOSITED INTO MY WELLS FARGO ACCOUNT MY SON HASNT SEEN A CHILD SUPPORT PAYMENT SINCE XX/XX/XXXX THE LAST PAYMENT DISBURSED TAKES 3-5 BUSINESS DAYS TO BE RECIEVED BEING MY ONLINE PORTAL HAS BEEN TAKEN OVER ALONE WITH MY XXXX AND WELLS FARGO ACCOUNT USING COMPROMISED EMAIL XXXXXXXX XXXX XXXXXXXX IM FORCED TO CALL XXXX AND LISTEN TO AUTOMATED SYSTEM WHICH STATES I RECIEVED AND PAYMENT WAS DISBURSED ALL IN ONE DAY WHICH IS IMPOSSIBLE LAST PAYMENT XX/XX/XXXX RECIEVEDwas {$230.00} and XX/XX/XXXX disbursed WAS {$140.00} on XX/XX/XXXX recieved was {$230.00} disbursed was {$220.00} on XX/XX/XXXX received was {$230.00} and disbursed was {$160.00} on XX/XX/XXXX now if they disbursed {$140.00} on XX/XX/XXXX my bank account shows XX/XX/XXXX from SC SDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX that it shows another DSB which mean another disbursement XXXX the letter XXXX as if he paid twice but never paid once!!!!!! Basically they are stating I got {$140.00} and XXXX then XXXX and XXXX doubling payments fraudulently!!! It shows my other child father payments recieved on XX/XX/XXXX and disbursed XX/XX/XXXX for different amount and then XX/XX/XXXX, XXXX, XX/XX/XXXX all recieved and disbursed on the same day their balances are low and not accurate. Ive reached out to XXXX XXXX Attorney over XXXX XXXX SERVICES NO RESPONSE THEN CONTACTING WELLS FARGO THEYVE STATED SINCE XX/XX/XXXX THEY WOULD REMOVE A WELLSFARGO XXXX XXXX XXXX KEY DEVICE FROM MY ACCOUNT YET NOT REMOVED IT AND NOW STATING THEY CANT AFTER STATING THEY COULD. I JUST RECENTLY GOT A CELLPHONE WHICH YOU NEED IN ORDER TO BUY XXXX ALSO {$25.00} WHICH WAS NEVER REMOVED FROM MY ACCOUNT. I WENT TO XXXX BRANCHES SPENT OVER 3 HOURS EACH TIME TWICE AT THE XXXX SC BRANCH ONCE AT THE XXXX BRANCH!!! THEY FOUND 3 PROFILE ONLINE FRAUDULENTLY ONE THEY CALLED A GHOST PROFILE NO ACTIVITY BUT THE SECURITY KEYBIS LINKED TO IT, OLD PROFILE THAT WAS DELETED BACK IN XXXX WITH THE OLD ECN!!!! NOW ITS BACK SHOWING THE WRONG YEAR I WAS BORN ACCORDING TO THE XXXX BRANCH! THEY TOLD ME IT WAS DELETED BUT THEN I GET HOME THE SECURITY IS POPPING BACK UP NO BACK UP METHOD AND NOW THE PASSWORD IS WRONG USERNAME CHANGED MY CALLS BEING REROUTED TO XXXX WITHOUT CONSENT!!! XXXX XXXX COULDNT HELP ME WELLS FARGO STATED MY PHONE NUMBER HASNT BEEN VERIFIED IN 4 weeks now! I went out and spent money I didnt have to have a security sent to my device but Im getting getting codes that dont work and the advance management codes were coming to email now they are not XXXX SENT A FAKE SCREEN SHOT STATING THEY TOOK {$230.00} from him on XX/XX/XXXX BUT XXXX XXXX HAD XXXX taken from him that day!!! XXXX AND WELLSFARGO AND USPS ARE PRACTICING FRAUD BUSINESS PRACTICES EVS, THEY REMOVED ENFORCEMENT ACTIONS FROM XXXX WHO OWED OVER XXXX XXXX in child support now is down to XXXX and now they stated I got XXXX and thats false I written down every payment because systems get breached altered daily from cybersecurity issues I wont all money lost removal of security key asap!!!! My server is being intercepted and causing me to rep advsere actions from companies and Im innocent!!! i dont get into violence criminal activity and I XXXX sure cant help who I know family wise or baby daddy wise but to allow these bombs who dont even associate with their kids lie to get away with TIME BEING WITH THEM AND YALL TO BACK UP FINANCIAL CRIMINALS BEING COVERED UP FOR MAKES YALL JUST AS BAD!!! YOU ALL SHOULD LOOSE YOUR JOBS ALSO THESE ACCOUNTS ARE LINKED TO FRAUD EMAILS XXXX-I have emails forwarded from this one thats how i know Wells Fargo is an active account opened using this false email I updated email with new account also XXXX never used this email with Wells Fargo but Im getting emails from it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi I had an account with wells Fargo 4 accounts which some were closed due to overdraft fees that never were returned also an account that was open with out my consit bfor XXXX XXXX credit which resulted in all credit to show in and against my credit I have reported to them that these account were closed and there was amounts that were fraud but they gave me the run around I been calling them about it since 2017 p
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: A theif stole five payroll checks that were made payable to me, ( XXXX XXXX XXXX ). They were able to cash/ deposit the checks without me being present in the transaction. Also, the checks were not properly endorsed, in order to be a third party transaction. The checks literally only had a a mediocre forgery of my name without my prefix ( XXXX ), which I definitely do include in my signature. The institution/banker did not require the criminals to provide a valid form of identitifaction from the original payee, so the checks were processed without my consent. The checks were not flagged for failing to correctly endorse the checks to a third party according to US laws. So all in all wells Fargo helped criminals ( bust ) five checks in one of there institutions, and they are refusing to compensate me for this terrible occurrence. They also are withholding vital information needed to press charges and move forward in the police process. I've been led on for about a month now. My checks were cashed on XX/XX/XXXX and XX/XX/XXXX of 2023 it is now XXXX and wells Fargo has yet to provide me with a reasonable solution to allowing this type of fraudulent activity to take place. I. Had to be in a homeless shelter for weeks before finally being able to afford and apartment, and even then l, I am falling behind only bills and responsibilities do to this devastating loss. Five checks were fruadently processed by wells fargo in total; amounting to around $ XXXX {$4000.00} in total. Wells Fargo still fails to make any attempt to compensate me for their mistake
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Loss my XXXX job due to XXXX, because I was in XXXX for over a month. I asked Wells Fargo for a modification before foreclosure, but instead they quadrupled my payment. I don't get enough money from my XXXX to pay a {$2400.00} house payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A