Date Received: 2024-02-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Wells Fargo [ WF ] knowingly and intentionally made categorically false statements and fraudulent misrepresentations of facts to obfuscate actual events and conceal WF 's actions. WF 's actions & inactions are allowing identity theft & felony fraud while hiding the perpetrator. My primary objective is to identify the criminal and charge them to the fullest extent of the law. My identity was stolen on XX/XX/XXXX. I reported it to the FTC [ # XXXX ] & local law enforcement [ XXXX ]. Someone opened a WF credit line in my name as an Authorized User [ AU ] for $ XXXX & simultaneously charged approx. $ XXXX. It caused my credit score to drop XXXX points in 1 day & XXXX points every month as they're making min. payments. The balance has been as high as $ XXXX $ XXXX over the limit- causing my credit to plummet further. Worse, according to you [ CFPB ], I'm responsible for $ XXXX of charges that I didn't make. If payment isn't made, I can be taken to collections, & my assets can be seized. WF can try collecting from the Primary Credit Card Holder [ PCCH ], but they can also go after me. I contacted WF in XX/XX/XXXX. Initially, WF refused to provide me with any information. I opened a case with the Attorney General [ AG ] # XXXX. Finally, on XX/XX/XXXX, I spoke with a WF Fraud Representative named XXXX XXXX, who stated that it was identity theft, credit card fraud, & potentially wire fraud. She gave me her direct number ( XXXX ) XXXX XXXX, noted these are serious felonies, & she'd work hard to resolve this matter quickly. Unfortunately, I spoke with XXXX over the phone while on vacation and put nothing in writing. She agreed to provide info on 1 - 7 below [ unsure about 8 ] 1- Primary Credit Card Holder Info- name, address, phone... 2- How was account opened- online? in person? 3- Info used about me to open account- SSN? Birth date? 4- Purchases under my name- what? where? 5- How were 'my ' purchases made? online? 6- Payments made- how? Mail? 7- IP addresses for all online banking activity under my name 8- Total credit line for PCCH [ if possible ]. Why XXXX? I never spoke to XXXX XXXX again & she didn't return my calls. On XX/XX/XXXX, I contacted the AG, who again contacted WF. WF finally responded on XX/XX/XXXX in writing & by phone [ case # XXXX ], & closed my case! I spoke with XXXX XXXX XXXX XXXX XXXX on WF 's Executive Team [ the highest fraud level ], who verbally advised me to report this to law enforcement and get an attorney [ omitted from their letter ]. WF 's letter contains 12 outright lies- ranging from made-up events of things that never happened to total distortions of facts. The most outrageous lie is that WF DID find the fraudulent AU account opened XX/XX/XXXX ; my credit report now states, 'previously in dispute, now resolved, reported by subscriber. ' Other WF lies in letter ; A- I never had a WF AU account on XX/XX/XXXX B- WF didn't contact credit agencies on XX/XX/XXXX C-WF didn't report to 'third agency ' XX/XX/XXXX D- XXXX XXXX still has the same phone # ( XXXX ) XXXX XXXX ( ridiculous lie! ) ( proof provided ) E- I never asked for the PCCH 's personal info. WF refused to provide any info.- about the PCCH [ criminal ] or 'my purchases ' - literally, zero. Their letter states that I " no longer have the right to any of my requested info as they removed me as an Authorized User, '' which indicates that I DID have a right to the information when I asked for it. The account opened on XX/XX/XXXX is still active & I'm still an AU. I'm asking the CFPB to make WF act with honesty & integrity. Please require WF to provide as much info. as possible in the itemized list of 1-8 above. Also, to provide proof of these WF claims [ false statements ] -WF AU account XX/XX/XXXX -letters to credit agencies XX/XX/XXXX -letter to 3rd agency XX/XX/XXXX Thank you, CFPB! This consumer definitely needs your help and protection. It's incredulous that such a 'trusted ' long-standing financial institution could behave with such dishonesty and lack of integrity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
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: Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this I have complained 3 times and they do not want to return my money stating that I am responsible and it was not like that, they are so disordered that they do not have records in their system of the complaint I made
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I went with a friend to the XXXX XXXX XXXX in downtown XXXX XXXX. I had XXXX drinks. After an hour the bouncer asked us to leave. He said it was because we were only purchasing drinks and not food. We were at the bar. We chose to go quietly. Halfway to the exit I remembered a picture frame I had bought. I asked the bouncer if I could go back and get it. He said no. I asked if he could escort me back to the bar just to grab it. Again he said no. He seemed to be in a big hurry to get us out the door. It was almost as if he was worried something would happen to us inside the restaurant in the next few minutes. My friends and I started walking towards the XXXX night club nearby. Along the way I lost awareness of my surroundings. I remember not being able to take care of myself. The same thing happened to my friends. We were roofied. Somehow we became separated. XXXX individuals approached me and asked if I needed help. I said yes. Please call my brother. I remember unlocking my phone so they could make the call. The following day I woke up in a sobering facility in XXXX XXXX with none of my belongings. Some time after XXXX XXXX my purse, phone, car keys and debit and credit cards were all stolen. I filed a police report and submitted evidence of everything the thieves had stolen using my credit and debit cards. XXXX XXXX and XXXX XXXX XXXX credited me back for all the fraudulent charges that went through them. Only Wells Fargo refused. Once the thieves had access to the lock screen of my phone they were able to get into my online bank account and make XXXX transactions. Both occurred on XX/XX/2023. Both were funds transfers from Wells Fargo. XXXX was through XXXX XXXX for XXXX. The other was through XXXX for XXXX. At no point did I authorize either of these transactions. I have been in regular contact with Wells Fargo since then. I submitted all the evidence, police reports and receipts to prove it was not me who made the XXXX transactions. Wells Fargo denied my claims. The reasons they gave were insufficient evidence and their assertion that they made no mistake. If insufficient evidence is the problem, I would appreciate Wells Fargo letting me know what additional evidence they need. If made no mistake is the standard for deciding accountability, then, clearly I was not at fault. I made no mistake. There are things Wells Fargo could do to avert situations like this. I had no idea thieves were using roofies to defraud banks. Wells Fargo, because of their size and sophistication, should be aware of the problem. They have some responsibility to protect their customers from problems like this. They could, for example, send out a warning to their depositors. Or they could require voice verification for transfers of {$1000.00} and above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I received a letter from Well Fargo regarding them signing me up for identity theft protection, which they are supposed to refund. I called them XX/XX/XXXX spoke with XXXX and she said I would receive a check in 20 days. I never received a check. I called again on XXXX and spoke with XXXX he said that the prior agent didn't request the check, but he would and wait another 20 days. I still have not received a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I read online about the Wells Fargo settlement payed out to home owners denied loan modifications. I had 3 different mortgages that I tried over and over to get modified and they denied me. I wasnt sure if I am entitled to money from Wells Fargo through this settlement. I always thought that I was treated unfairly and wrongly denied. Can someone help me find out if I am owed anything by Wells Fargo? I attempted to find out through wells but they said they didnt have anything and I just found that hard to believe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my retirement check that I have had to wait 4 months to receive. Wells Fargo continues to place blame on everyone else instead of giving a honest and direct answer. Every time I have called I have been told something different. They say the system says it's an issue with the check issuer. I called the XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX and spoke to both supervisors who confirmed that there is nothing wrong with the check issued. Then I call today and I am told it's an hold from the Federal Reserve, so I call them. They also confirm that the Federal Reserve has nothing to do with that. I also work for a company that issues proceeds to owners and I have had several owners who ONLY bank with Wells Fargo tell them the same exact thing. If people are depositing checks from different organization, it can't possibly an issue with every organizations checks. Some of these companies are Billion dollar companies. I worked hard for my money and I have been waiting a very long time to receive it and I don't appreciate not having access to ANY of my funds while Wells Fargo is telling me different things each time. It's not fair how much we invest into these institutions for them to turn around and withhold our funds and then blame on everyone else. Once my funds are released I will be looking for a bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a claim with Wells fargo, my purse was stolen back in XXXX or XXXX cant recalled what day. My device and all my information was there. My pin # and password was writting down in a little piece of paper inside in my wallet.. The fruadster were succesfully log in to my online banking and change my password and withdraw XXXX Wells fargo closed my compromised account and reopen a new one, and now i was told that they will closed my account and denied the claim, because the DC and pin # were present.?? YES WAS STOLEN i told then listing to the call. my purse was stolen, rep told me yes we know but thats all i can share claim is final closed and denied.. No funds will giving..I dont understand why this is happenen. I dont care if they closed my account but i need my money back to pay bills..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I contacted Wells Fargo XX/XX/XXXX to find out if I was a member of the class since my husband had a loan remodification denied or actually no response ever was made on it and then they foreclosed upon his house and then he died shortly after that in XXXX. The deed had been put into a trust to care for me and my son after he passed away. Then when all of the press came out last year with how their computer glitch denied a lot of people who asked for loan remodifications who lost their homes, I checked into it and I contacted Wells Fargo at their executive office. I was communicating with a couple of different people there including XXXX XXXX. I had finally found a check of my husband 's with the account number and I found records online proving the deed was transferred to the trust. I emailed those documents to XXXX XXXX and then suddenly they stopped communicating with me. I had evidence the trustee sale occurred after it was placed in the trust and how it was bought by somebody else. Last week I talked to XXXX XXXX on XXXX, XX/XX/XXXX at around XXXX. He confirmed that XXXX XXXX still worked there, but the case was closed. They closed the case so I would like to for somebody to contact Wells Fargo to get an answer whether I'm a member of the class. I believe I am. I began communicating with them in XXXX of XXXX. I had never been told that they were closing the case. Once I called and they looked up the account number on the bottom of the Wells Fargo check I had and couldn't find the account. I was told by a friend who works in banking and mortgages that it was archived and that's why they couldn't find it. I told XXXX XXXX I wanted it reopened and he told me to fax everything to Wells Fargo instead of emailing it. I'm pretty sure they're just avoiding me and I've also contacted the law firm that's handling all of the claims for the settlements and I have contacted them multiple times and they have not gotten back to me at all. All I get is a voicemail, so I need your help, please, before it's too late. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On the XXXX of XXXX, my checking account from Wells Fargo was drained from {$4300.00} down to {$480.00}. The balance lost was through money transfer via XXXX XXXX. Those transactions were not authorized. XXXX along with Wells Fargo opened the claim and ultimately decided to not accept my claim and not return the funds based on the fact that the transactions were made through the digital wallet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: We opened up a credit card with Wells Fargo and were approved for XXXX. With an immediate digital wallet amount of XXXX. We subsequently went to make a purchase from a furniture company online and a portion of the charge roughly {$1800.00} went through with no issue, {$7400.00} was denied. We called wells fargo and asked why the charges were denied and we were told that this is a known issue. It was likely that we did not activate the card, although the {$1800.00} charge went through. Since charges ( XXXX ) were requested through a digital wallet of XXXX and then denied it, took that money ( XXXX ) out of our checking account. You can imagine the stress of having that much money taken out of your account, we then overdrafted our checking account, and it left us with insufficient funds to pay our monthly bills. We asked Wells Fargo to make it right and put a complaint in. They said they would look into it and that a possible solution would be a cash advance with 0 % interest. 10 days later the complaint reached out to us, and stated that it was most likely a fraud alert. If this was fraud, and for it to take us reaching out to them, for the possible fraut to come to their awareness theres a larger issue. We would like Wells Fargo to make it right for putting us in a financial hardship when we were approved to utilize an amount of XXXX and an immediate utilization of {$13000.00}. Our initial purchases was under XXXX. The most concerning part and why I would like to advocate for others is it the multiple representatives that we spoke to within Wells Fargo told us that this was a known issue and something that they have to deal with regularly. If that is the case, they are doing their customers an injustice and their actions should be corrected. More than happy to discuss in further details all conversations to ensure the proper steps are taken taken in this resolution. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A