Date Received: 2024-02-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo bank manager in XXXX XXXX gave me his word that a customer of the bank and friend of mine would have access to his business bank account after a deposit of {$7000.00} was deposited. I sent {$5000.00} of the money and friend XXXX XXXX paid the other {$2000.00}. XXXX XXXX bank manager XXXX. I have this conversation via text with him and he gave me his word and then today said XXXX XXXX had to deposit another XXXX. He told me me XXXXtotal to get access to his account. He lied and committed fraud against me. I want my {$5000.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33542
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name ' WELLS FARGO However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
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 during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: For the life of my mortgage with Wells Fargo my escrow account was always short for the year and my next year payment adjusted for the shortage. This happening every single year even though my taxes and insurance rates did not increase proportionally if at all. The last year I called Wells Fargo I informed them that I had no confidence they could properly manage my escrow account. I requested verbally that I wanted to cancel the escrow account which Wells Fargo stated was not possible. My entire mortgage account needs to be reviewed for the escrow account, add on policies that I did not want or ask for and for fee 's paid. It was a horrendous experience with Wells Fargo for XXXX years. The issues with the escrow shortage ultimately lead us to put the house up for sale and ended up short selling. I also have questions surrounding the short sale of the property and if Wells Fargo acted appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76067
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: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/year>, I took my XXXX XXXX debit card ( which has my tax refund on it ), to a Wells Fargo bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have a checking and savings account. The teller ( s ) told me the XXXX XXXX card was declined, yet when I used it in the Wells Fargo ATM machine, it worked fine. I withdrew {$260.00} cash from the XXXX XXXX card at the Wells Fargo ATM and deposited it in my Wells Fargo account. Wells Fargo could not tell me what my daily withdrawal limit would be from my XXXX XXXX XXXX I wanted to transfer my entire tax refund ( not just the {$260.00} ) to my Wells Fargo account, and 3 employees insisted that I could not do that. XXXX XXXX says on their website that their XXXX XXXX XXXX, XXXX XXXX, is capable of interacting with Wells Fargo bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo ( WF ) is in a Settlement Agreement with the CFPB to reimburse WF customers they unlawfully charged fees, interest, and enrolled customers in unauthorized programs. WF has hired a third party company to handle paying back customers. The third party company named XXXX XXXX is out of compliance with the settlement agreement. The Settlement Agreement requires timely reimbursement. They are months behind in their payments to customers. The money owed to me is 30 days past due. Section IV of the Settlement Agreement places the ultimate responsibility for compliance with the Agreement on the Board of Directors. WF has received XXXX 's of complaints regarding their non-compliance with the Settlement Agreement with complaints as recent as XX/XX/2024. WF continues the same deceptive practices today that they were fined by the CFPB for in the current Settlement Agreement. WF has been cavalier, dismissive, apathetic and nonchalant about the Settlement Agreement, and their non-compliant status. The CFPB has oversight for the Settlement Agreement and WF 's compliance. There are XXXX XXXX complaints in the CFPB complaint database complaining about WF 's deceptive behavior as recent as XX/XX/2024, and WF 's non-compliance with the Settlement Agreement. The CFPB has the authority and oversight responsibility to enforce Wells Fargo 's compliance, assess additional fines, and obligate WF to take the Settlement Agreement seriously and manage timely remediation. Why was the Settlement Agreement entered into by the CFPB if Wells Fargo has no intention and could care less about it's customers. I want Wells Fargo to honor the terms of the Settlement Agreement and process my remittance check immediately, as well as the checks of others timely. If WF does not step up and adhere to the timely terms of the Settlement Agreement, CFPB should step in and protect the thousands of customers that were and are being harmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX, XXXX in executive services informed me that my account was closed on XX/XX/XXXX for returned checks on the account that were fraudulently made. I informed the fraud department numerous times that I am in fact a victim of ID theft since XXXX and needed additional security measures added towards account. The fraud department declined disputes regarding fraud charges and directed me to standard dispute department, informing me that the charges were denied because I accessed the mobile app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
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: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX Dear, XXXX Complaints Management Office I hope this message finds you well. I am writing to address the denial of my claim, specifically the assertion that transactional activity does not constitute identity theft. However, this contradicts information provided by reputable sources, including federal law and materials from Wells Fargo and XXXX. According to federal laws, specifically 18 U.S.C. 1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial. XXXX XXXX defines identity theft as : Identity theft is the act of impersonating someone else to gain access to their financial accounts, obtain credit, or make transactions without their knowledge or consent. ( XXXX XXXX XXXXXXXX ) Furthermore, XXXX, a public service provided by Wells Fargo, defines identity theft as : " Identity theft is a type of fraud where someone uses your personal information, such as your Social Security number or bank account number, to open accounts or initiate transactions using your name, without your permission '' ( XXXX, XXXX Wells Fargo Bank XXXX. ). I kindly request a reconsideration of my claim in light of this verifiable information. I am confident that a fair assessment will recognize the validity of my claim. Thank you for your attention to this matter. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out. date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdrafts fees and charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a credit card with Dillard 's and got approved. I called because I never received a bill or got my card. When I finally spoke with someone it was determined that my card / statement was sent to the wrong address twice. I received a late fee due to the company 's error and they waived the fee and now I am requesting that the late payment for XXXX XXXX XXXX be deleted off of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A