Date Received: 2023-09-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX this year my home mortgage with Wells Fargo was deleted from my XXXX credit report and my XXXX score went down from XXXX to XXXX I call both Wells Fargo and XXXX and both are blaming each other and neither Wells Fargo or XXXX are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. Thank you 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: 33884
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I paid an electric bill, that was placed in the wrong mailbox, that was not mine. I reported this to my bank ( Wells Fargo ), they replaced the funds and asked me to send verification. I sent them the verification. Then they took the money ( XXXX ) back off my account. They said I sent it jpg and they needed pdf. So, they placed the money back on my account. I sent the verification in pdf, last month, as they asked. Now, on XX/XX/23, theyve taken the money again. Saying it cant be replaced because how it was filed. My question is then why replace it, twice, and when I do send it in. Theres some other reason that they cant replace my funds. I am a XXXXXXXX XXXX on a fixed income. I know thats not a lot of money for most, but for me every XXXX is important. There were two employees I talked to tonight. XXXX from customer service and XXXX from resolution department both were extremely rude and unprofessional and were determined not to give me back my money. Any and all help you can give me will be greatly appreciated. Thanx
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I accessed 2 websites for gaming ( not gambling, you can not win money you purchase credits or coins to play games ). In the past I could see I was being over charged and contacted XXXX, I explained to them that I was being charged for coins/credits I did not receive. With no explanation for this issue they told me to keep a log of purchases. I did this and it would balance for a couple days then I would see a bunch of debits on my checking account. Finally I realized what was happening. If I initiated a purchase and it came back denied for NSF I was not given coins requested the purchase was declined. At that point nobody is out. Then after my bank would go back and pay these amounts because I have over draft protection. So XXXX was paid for a transaction that was declined and should have stopped there. I was never informed at a later date of overpayment or anything of the kind. They would just take the money. Now I have researched back to XXXX and identified over {$12000.00} of NSF items and XXXX said they could see when a purchase was declined then later paid but said they couldnt tell if I received the credits or not, they just sweep the account. I submitted a claim for refund to their system and it was denied. They told me they could resubmit the claim but it would probably be denied because it doesnt recognize these unique circumstances. XXXX did say that if my bank filed a chargeback the request would more than likely not be denied. I filed a dispute claim with Wells Fargo and they closed the claim within a few days with no email or call or anything to me. I have tried to speak to a manager and have been denied each time being told a manager was not available, and that one would call me back which to this point has not happened. It is clear to XXXX and to Wells Fargo that this has happened but neither is willing to help me. This is not a case if buyers remorse or anything. I dont want my money back for credits I received. I want my money back for the money that was taken erroneously/fraudulently. Dispute History Check the status of all your disputes. Account Number XXXX XXXX ... XXXX DateTransactionAmountClaim Number Date,XXXXTransaction,XXXX Transactions in ClaimAmount, XXXX XXXXXXXXClaim Number,XXXXStatus : Closed Date,XXXXTransaction,XXXX Transactions in ClaimAmount, $ XXXX XXXXStatus : In Progress Cancel Dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: I applied for and received a credit card with the number ending in XXXX from wells fargo in XX/XX/XXXX. Someone with access to my information was able to fraudulently request a duplicate card be sent to me on XX/XX/XXXX. They were able to obtain the tracking number from XXXX and have it rerouted to a different location. They activated the card and made three cash advances on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX totaling {$1100.00}. I received a fraud alert from Wells Fargo when the unauthorized user attempted to use the card to make a {$1300.00} purchase at XXXX XXXX and was denied. I called Wells Fargo that night, XX/XX/XXXXXXXX to report the fraud, have the card cancelled, and have a new card sent to me. I also filed a police report with the XXXX. Wells Fargo has repeatedly denied my claim of unauthorized charges after multiple phone calls over month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells fargo sent me a letter of a dispute I filed saying they are going to be reversing the dispute and taking out the funds but the letter they sent were two and one of the dispute was closed and fine and the other said they will reverse the funds but the dispute is for the same exact 2
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C? Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. Is a creditor required to send a 1099-C? If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. What happens if I don't report 1099c? If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
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: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 there were XXXX small debits on my bank account that I didnt authorize. The total was for {$490.00}. I called Wells Fargo immediately and started a fraud claim and froze my debit card. They sent me a letter today saying they were authorized debits in which the card was physically used or a digital wallet. It was not and this is prototypical fraud at work. Making small debits over and over till card gets declined. I didnt make XXXX charges to a XXXX in XXXX XXXX while I live in XXXX. Ive XXXX the place and searched for any record concerning this company and cant find any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by XXXX on XX/XX/2023. I supposed to purchase a chihuahua puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - I LOVE XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX Co. I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I went to Wells Fargo to cash in some EE-bonds I had received as gifts from family/relatives from around the time I was born. The redemption of the bonds went well, I received the full amount the following day on XX/XX/XXXX. No less than four days later on XX/XX/XXXX, I received two emails stating that my Savings and Checking accounts were being closed due to the " one or more checks deposited to or cashed against your account suspected to be altered ''. Clearly this is not the case since the bonds were accepted by Wells Fargo, cleared, then deposited into my savings account. Immediately I called the Wells Fargo Help line and got through to account support, the gentleman was able to put me through to Loss Prevention. Loss Prevention wouldnt tell me anything about why my account was closing other than a detection of fraud. She also refused to speak to me when I asked my father a question since he was right next to me. She then berated my father and I, because " She can only talk to the account holder '' even though she had my consent to talk to him as well. She then hung up on me when I was asking my last question. The following day on XX/XX/XXXX I went to my local Wells Fargo Branch and I spoke with a personal banker about the issue. He ended up calling their corporate hotline, I did not know who he was talking to but I suspect it was someone from loss prevention. This corporate person had stated to the personal banker, whom then stated to me that : 1. ) The names on the EE-bonds were made out to another person with the same name and social security number as myself. though this person is marked as deceased. This confused me, because that should be impossible. I know for certain that my identity has not been stolen because my credit reports do not indicate anything of the like. 2. ) I was then told I would need to get a letter with a signature and an explanation that the bonds were a gift at birth. These letters would then need to be notarized. The problem with that is that some of the people who gifted the bonds are now deceased and would be impossible to get such a signature. In an attempt to begin to rectify the situation, on XX/XX/XXXX, I scheduled an appointment with the local Social Security Administration Office. An Appointment was made for XX/XX/XXXX at XXXX. The S.S.A. Clerk was helpful. She confirmed that I was, in fact, not deceased. She was able to get me a letterhead stating that I was not deceased. I thought that would be enough to release my savings/checking accounts. So at XXXX on the XX/XX/XXXX, I went back to the local Wells Fargo branch and spoke with another personal banker. This other banker called corporate and received the same information as provided in bullet number 2 listed above : to get a letter declaring the bonds as gifts and getting the letter notarized. at XXXX on XX/XX/XXXX, I spoke with a supervisor regarding the issue. The supervisor was not made aware of the situation on XX/XX/XXXX, but was then filled in on it by me. I was then not help and pushed to a personal banker as a form of deflection. The situation is not resolved at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone fraudulently accessed our XXXX account and sent themselves XXXX in illegal wire transfers. We dutifully reported this to our bank who closed the case, and claimed that it was a legitimate transaction authorized by us. They are now actively participating in defrauding us of our own money and refuse to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A