Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also 42 USC 408 asking for anyone 's SOCIAL SECURITY NUMBER on any loan and or credit card account is fraud and double dipping which is a violation of RICO. 15 USC 1666b there is no such thing as late payments which they continue to claim they're late payments on my credit report which again is fraud I believe they have been getting away with fraud so long they think they will never be held accountable. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX and XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
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: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Wells Fargo Card Services has violated several of my rights as a consumer. Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights. 2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation. As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option. Thank you for your time and prompt action to help me remedy this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX SS # XXXX XX/XX/2023 Wells Fargo Escalation Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX T : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Case # XXXX Application # ending in : XXXX RE : Adverse Action Dear XXXX XXXX ( Escalation Representative ) Wells Fargo I, the consumer, and natural person, was denied credit by Wells Fargo when I applied for credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Wells Fargo due to response I received. Wells Fargo is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. If Wells Fargo fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. XXXX : XXXX [ XXXX ] Without Prejudice. All Natural Inalienable Rights Reserved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: This balance is incorrect. It is unreasonable that I have been trying to get this resolved for over 5 years. The {$50000.00} payment was not corrected posted in the first place. I had to fight to get this corrected and this took almost 2 years. As stated the balance was {$51000.00} after the {$50000.00} payment, {$940.00} payment XX/XX/XXXX, XX/XX/XXXX, {$940.00} payment XX/XX/XXXX, A payment of XXXX was made on XX/XX/XXXX, payments of {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were made, and {$10000.00} was made on XX/XX/XXXX. A total of {$50000.00} in payments have been made. The current balance can not be {$38000.00} as stated in the letter. Payments have been made over the current balance, so again there should not even be a balance.The payments have exceeded the balance by {$12000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo closed my case without recovering {$3500.00} that was taken from my account without my authorization. The explanation given does not make sense. Wells Fargo did not recover a specific transaction from XXXX XXXX which posted on XXXX/2023. The reason given on the layout they provided is : " Denied due to timeframe and no recovery ''. Somehow Wells Fargo was able to recover {$3200.00} from XXXX XXXX which was taken from my account on XXXX2023. Wells Fargo also recovered {$10000.00} from XXXX XXXX which was taken from my account on XXXX23. These three fraudulent withdrawals were reported at the same time. All three fraudulent withdrawals had the same name identifier attached them. Wells Fargo recovered quite a few transactions which occurred both prior and after XXXX/2023. They have not provided a logical explanation for why this one particular claim was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo took unauthorize funds from my account monthly and enrolled me in a service i did not authorize. The were ordered by the CFPB i a settlement agreement to repay thousands of customers for similar deceptive behaviors. I have called the mitigation departments at both Wells Fargo and XXXX XXXX -- the third party administrator of the settlement agreement -- And both have the same canned response " it is processing still sorry for the delay ''. This has been going on for months. Neither dept was kind, helpful or transparent. Rather they were dismissive, curt and arrogant. Clearly Wells Fargo and its staff, third party agent-XXXX XXXX XXXX and WF 's own mitigation dept are not taking the terms of the settlement agreement seriously. Their cavelier and dismissive attitude is troubling. I wrote to the WF Board of Directors and the Executive offices of Wells Fargo as the Settlement Agreement order states in Section IV that the Board of Directors has ultimate, individual and group culpability, responsibility and fiscal accountability for timely management of the settlement terms. They provided a a form letter directing me back to their third party company XXXX XXXX XXXX ) for answers. this is the company I started asking questions of -- so I have gone full circle trying ton get a plausible, reliable and transparency response. Wells Fargo is egregiously out of compliance with the Settlement Agreement. The CFPB should be stepping in and enforcing the terms of the agreement now. The CFPB has received over XXXX complaints so far regarding Wells Fargo 's cavalier, complacent and negligence managing this settlement. They are demonstrating a belief that they are above court orders, The CFPB has the evidence of non-compliance and yet they are emulating the CFPB 's non action. Clearly Wells Fargo can not be trusted to self govern. Please hold the board accountable for replacing the monies taken from customers IN A TIMELY manner and required in the settlement order.
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: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: With a credit XXXX score of XXXX prior to applying for a Wells Fargo credit card ( its now XXXX ) I was declined. I was told that it was information contained on my XXXX report, yet my credit is excellent this is the same bank with dismal on line consumer reviews that was fined billions by the federal government for customer fraudulent service charges. Everything with regards to this complaint was a form of deterrent from any such complaints. I have been on the phone for more than an hour. Last person was a XXXX representative XXXX and the case number is XXXX I think I was declined for reasons other than my credit score and consumer decency. This bank is dishonest to the core. I am appalled that my credit and other personal details are being discussed by XXXX representatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: For the past two years I have been making my mortgage payments to Wells Fargo Home Mortgage. These payments have been made after a modification to my loan during a forbearance for COVID relief. My payments have been made since XX/XX/2021. I have been trying to refinance my mortgage. I have had issues qualifying because my payments are not being reported to the credit bureau. Because my payments are not being reported I have had a deficient score that has disqualified my efforts. My credit score is showing my mortgage in forbearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: STATEMENT OF FACTS Background : From XXXX XX/XX/XXXX until XXXX XX/XX/XXXX, I was employed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX position as a Technical Services Advisor in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In this position I instructed XXXX XXXX XXXX XXXX XXXX personnel on the XXXX XXXX sales contract. Initial Banking Event : The Money is Wired On XXXX XX/XX/XXXX I was informed by an email from XXXX XXXX XXXX that I was selected to not be not renewed on the next contract and was informed by XXXX XXXX XXXX XXXX I would be purchased a ticket to leave XXXX XXXX on XXXX XX/XX/XXXX, which was 16 days after my notice of non-renewal. As there are many tasks necessary to depart XXXX in that short of time, I made the decision to wire money from my XXXX XXXX account with XXXX XXXX XXXX ( XXXX ) back to my XXXX XXXX XXXX XXXX XXXX. XXXX Monday, XXXX XXXX, I went to XXXX and filled out the form to send XXXX XXXX ( {$14000.00} USD ) to XXXX XXXX ( See Document XXXX XXXX ). Second Banking Event : The Cancellation of Transaction On I believe it was XXXX XXXX, I was called at about noon by an XXXX representative in XXXX who sounded confused and panicked that there was some kind of problem with the money being sent to my account in the XXXX but he could not explain to me what the problem was. I immediately drove to the XXXX branch where I usually bank, and there spoke to XXXX XXXX ( See documents Banks Cards 1 and 2 and asked what the problem was sending the money back to XXXX XXXX XXXX. XXXX XXXX told me he didnt know what the problem and had no way of finding out what it was or any way to tell me when or even if the money the money could be sent before I was scheduled to leave XXXX XXXX and in my opinion he did not seem to fully understand how international bank transfers worked. While at the bank, I spoke with the bank manager and another XXXX employee at the time ( as did XXXX XXXX XXXXXXXX, my supervisor at XXXX ) and while the bank manager seemed confident in how the system worked and he made a few phone calls, it was my opinion at the time that there was no one who could give me any reasonable answer as to when, or even if, the {$14000.00} was going to reach my credit union. As I was leaving in only a few days, I made the decision just to cancel the entire transaction and have the money returned to my XXXX account. I made this decision due to my increasing alarm at the somewhat bewildered XXXX staff members I was interacting with who had complete control of my {$14000.00}. While at the bank I was told at some point the money would be returned to my account before my XXXX XXXX date of XXXX and not to worry. My XXXX XXXXBased Efforts to Track Location of the {$14000.00} USD I continued to track the money over the next few days, but no bank employee I spoke to at the XXXX branches I visited ( by this point I had made about XXXX or XXXX visits to the banks ) could figure out where the money was. By this point, I had less than a week before leaving. It should also be noted that over the week, I made multiple calls to the XXXX Customer Service number as well as various XXXX employees, all who could give no actual accounting of where the money is. And so, my sponsor, XXXX XXXX XXXX XXXX involved, who have been consistently very helpful, had XXXX XXXX, a XXXX employee, come with me to the branch and we began interacting with XXXXXXXX XXXX XXXXXXXX, branch banker, in trying to figure out ( 1. ) Who had the money and ( 2. ) When the money would be returned to my account. XXXX XXXX visited the bank several times over the next three days and were told a variety of accounts of the situation. In the end, despite repeatedly being told the money was to be returned by XXXX XXXX XXXXXXXX, it became apparent it was not arriving before my XXXX XXXX date, which presents a whole series of problems as is playing itself out now. After a few more visits to the bank, and several consultations, XXXX XXXX XXXX XXXX came up with the idea that they would secure the {$14000.00} on its eventual arrival and then send it to me using XXXX XXXX. This was accomplished with XXXX XXXX XXXX employees directing us to perform a whole series of activities to produce a document that satisfied them. These requirements included two trips to the United States XXXX in XXXX where the XXXX XXXX had to witness and sign documents, as well as two other visits to the XXXX XXXX XXXX XXXX XXXX XXXX for other requirements such as affixing a stamp to the document. ( See document Affidavit XXXX and XXXX ) Eventually, however, all XXXX requirements that they required of me to get my money back from them were met to their satisfaction and I exited XXXX XXXX on XXXX XX/XX/XXXX with XXXX staff assuring me they would release the money to XXXX XXXX XXXX XXXX once they decided to give it back to me. I had left all banking information as well as my bank card, bank details, passwords etc. with XXXX XXXX XXXXXXXX, my supervisor at XXXX. As a side note, I fully trust XXXX XXXX XXXXXXXX, XXXX XXXX and both XXXX XXXX and XXXX XXXX XXXX in this issue. Attempts to Track Money After Arrival in the XXXX After arrival in XXXX, XXXX, I began attempting to further track the location of the money. Since I have never received any correspondence from XXXX about this issue by phone, email or on my XXXX account page, I began calling both XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and spoke to them three times. I was told by their representative that as the money was never actually sent to them by Wells Fargo ( the Intermediary bank for overseas transactions that XXXX XXXX XXXX evidently uses ) that they would have no record of it. Hence, I was told by XXXX XXXX XXXX that I must contact Wells Fargo, which I did. On XXXX XX/XX/XXXX at approximately XXXX, I spoke with a XXXX XXXX customer service representative at Wells Fargo Bank who basically told me there was no way they could trace whether his company had received the {$14000.00} as I did not have the transaction number. It should be remembered that I do have the XXXX Transfer receipt and I was trying to give XXXX the numbers, but he kept asking for a number on the document I could not give him as it is in XXXX. XXXX would connect me to the XXXX XXXX Department directly, but instead he would only put me on hold and tell me what they said. Despite me giving XXXX the date, the amount, my account number as well as the other numbers on the paper ( See document XXXX Transfer ) he simply kept telling me in a more emphatic tone that Wells Fargo had no way of telling me if they actually had my {$14000.00} or not. He then told me my only option was to have XXXX XXXX XXXX file a case against XXXX XXXX XXXX to make them account for where the money I sent was. And it should be kept in mind that according to XXXX and XXXX XXXX XXXX ( as well as the XXXX XXXX document ), that it is Wells Fargo, XXXX XXXX XXXX. XXXX XXXX, California XXXX who has my money. After this sort of treatment and the careless and thoughtless manner in which I have been treated in simply trying to find out where my {$14000.00} is I called the Consumer Financial Protection Bureau and there spoke to XXXX. She has been most helpful and even sympathetic to my situation, which has given me some hope that I can get my money back, something I was having some doubts about after dealing with all three banks above. Conclusions and Thoughts To be honest, I do not have any idea on how to proceed in this matter. I am at a complete loss as to what to do when I send a substantial amount of money to a series of banks and they either have misplaced it, do not understand the correct method to handle/send it/return it or ( as I am beginning to suspect ) are deliberately trying to confuse me with who actually has it to the point that they can eventually keep the money. Any help you can give me in this would be greatly appreciated. With regards, XXXX XXXX -- -END ---
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99709
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX regular ep payment from my credit union. In XXXX, XXXX I did e-check and paid entire balance and asked for acct. to be closed and did not want to receive any card. Upon checking my acct XXXX, ep of {XXXX interest charge by Wells Fargo on my closed acct. Informed me that interest charge on XXXX XXXX! XXXX paid in full on XXXX. XXXX ; no mention that day interest charges on XXXX, XXXX. So Interest is paid and I asked for this acct to be finally closed, then comes a fraudulent info tracer charge of XXXX since XXXX XXXX ; it was fraud, but i paid it and asked for acct to be finally closed. I received a letter today, XXXX XXXX from Wells Fargo stating they opened a new account for me and put those fraudulent charges on my new account. I never authorized opening a new acct. Those fraud charges were already paid, how can Wells Fargo do this? I want to be rid of WF for good!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A