Date Received: 2024-02-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX XXXX XXXX wrote a check to myself and my ex husband for XXXX. My ex endorsed the check but I did not. He deposited the check over the mobile banking system at Wells Fargo on XX/XX/2023. XXXX- the bank that wrote us the check- provided me with cleared check copy. They told me Wells Fargo should not have cashed the check but because my ex cashed it via mobile deposit it wasnt caught and that I needed to notify Wells Fargo. I brought the check copy to my local Wells Fargo Branch and the banker told me Wells fargo had the right to assume an or was on the check. There was no or. The banker told me I had to go to my ex. I asked my ex husband to give me half the proceeds as we agreed we would in our court order and he disagreed. Is Wells Fargo liable to me for the my court ordered portion of the funds? Note - my name officially changed from XXXX XXXX XXXX to XXXX XXXX XXXX about a month ago and I am still processing the changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22033
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: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: In XXXX XXXX now owned by Wells Fargo promised me at origination that my loan would not be sold at my verbal request. Today XX/XX/XXXX I received a letter from Wells Fargo that my loan has been sold to XXXX XXXX a servicing provider who this past XX/XX/XXXX had a major security breach of 14.7 million customers sensitive information. I contacted Wells Fargo today and spoke with XXXX who hung up on me. I immediately called Wells Fargo back and spoke toa representative named XXXX who told me Fannie Mae told Wells Fargo they could no longer be the servicing provider and my loan had to be transferred to XXXX XXXX. Knowing this was not true I called Fannie Mae spoke with XXXX ID # XXXX who informed me Fannie Mae does not tell servicing providers who to or not to sell their loans too. I called Wells Fargo back, spoke with XXXX and immediately asked to speak with a Manager. XXXX told me they don't have Managers, they have Escalation Specialist who are Managers, they just don't call them that and transferred me to XXXX XXXX who identified herself as an Escalation Specialist. I asked XXXX if employees reported to her, did she give them feedback, monitor or give them feedback about their performance, including corrective action. XXXX answered no and transferred me to a Manager named XXXX XXXX. XXXX informed me he sent my feedback about my experiences with the 3 representatives I spoke with before him as well as sent my complaint about not only the loan officer promising me my loan would not be sold, but it was sold despite that promise to XXXX XXXX who had a major security breach in XX/XX/XXXX that impacted almost 15 millions people sensitive information to the highest level. XXXX told me I would hear from their Executive Team usually within 2-days. Wells Fargo should honor what the loan officer promised me, especially since he never told me about or offered me a form to sign about my loan never being sold. Wells Fargo should not only never sell my loan, but should also not transfer my mortgage, or mortgage information to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/XXXX I called Wells Fargo about the {$3800.00} interest charges on XX/XX/XXXX. I advised the reps that I was never told about deferred interest rates and all the verbiage I received was positioned as 12 months interest free intro APR. Like all other lines of credit, I expected standard intro APR terms in line with any other financial product with similar promos. Turns out, the product is deferred-interest, something I have not heard of before and never was informed of at the time of application. I have other ways to pay that off in full to avoid the interest if I had been better informed. They expressed that the interest is available on all statements, including which is true but not any less deceptive. Having a jewelry employee explain financial products to me is a problem and caused me to be deceived. I asked to work with me and waive the interest so I could pay off the other balance but Wells Fargo was unwilling to assist me. They sent an escalation form out and I am supposed to hear back in 2 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: A XXXX XXXX XXXX XXXX, XXXX XXXX, desired to purchase a new piece of construction equipment for our XXXX, but growing business. We had searched auction sites and advertisements for used construction equipment for weeks. We came across some advertisements for used XXXX XXXX, and we reached out to the seller and indicated our interest. A sales representative, or so we thought, contacted us about the piece of equipment that we were interested in. The seller sent videos, photos, website information, serial numbers, XXXX, and other information that all indicated they were running a legitimate business. We moved forward with the purchase of the piece of equipment and the seller sent us the executed contract in exchange for a wire transfer in the amount of {$73000.00}. The money was wired, and shipping information was provided. However, the shipment kept getting mysteriously delayed and never actually arrived to the project site. Weeks went by and the seller has disappeared, along with our money, and we have completely lost contact. I went into the XXXX, Wells Fargo branch, where I originated the wire transfer, on XX/XX/XXXX. I met with XXXX who is the XXXX of the XXXX branch. XXXX indicated that there was little that Wells Fargo could do, even though the account I transferred the money to was another Wells Fargo account. They indicated that I was likely just out of luck. A bank should be able to retract funds in the event of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 846XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear XXXX, I am writing to request further information regarding my account with Wells Fargo Card Services , specifically Account # XXXX. Upon reviewing my credit report, I noticed discrepancies related to this account, and I would like to seek clarification. Account Information : Creditor : Wells Fargo Card Services Account Number : XXXX I have the following inquiries regarding this account : * A detailed breakdown of the charges associated with Account # XXXX. * Explanation for the charge-off status of the account. * Any documentation or evidence supporting the validity of the balance claimed. Understanding the status and details of this account is crucial to me, as it impacts my financial standing and creditworthiness. Therefore, I kindly request your assistance in providing the requested information. Enclosed, please find a copy of my credit report highlighting the account in question for your reference. Thank you for your attention to this matter. I eagerly await your response. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX letter from XXXX XXXX Bank, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Decision about your credit card account application # Dear # # # # : We're writing to let you know we are unable to approve your credit card account application for the following reasons : * No non-authorized user bank cards reported ( We look at the mix of credit you have ) I complained to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX that this reason makes no sense and should be considered favorable I have no authorized nor unauthorized user bank cards. Additionally, reason is grammatically wrong and should be deleted. XXXX XXXX agreed it was a typo and could not explain error but refused to delete as a reason to deny 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: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Multiple overdraft fees consecutively since I first opened an account with you guys since XXXX when I was a kid I was taken advantage of as a minor, you guys have to be rediculous to still be doing the same things we are in XXXX thats 9 years of violating my consumer rights and privileges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10024
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I dont recognize a charge of XXXX dollars made in XX/XX/XXXX from a place in XXXX XXXX XXXX '', I was here in Texas that day so I couldn't have paid that. My bank account went below XXXX. I've disputed this twice with Wells Fargo and they dont see an issue, theres no explanation why and I still have no idea who charged me. This same company also charged me on XX/XX/XXXX for XXXX, the method on that one says " card inserted ''. But the XXXX transaction didn't have the same method, and I don't recognize any of these two payments.
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 explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made the reservation on XX/XX/XXXX and canceled it by XX/XX/XXXX. XXXX advised me to contact my bank during a phone call, even though I had canceled the reservation a couple of days in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Wells Fargo Case # XXXX Color of law 242usc 1983 Breach of privacy, I was denied credit after I extended my credits The Federal Equal Credit Opportunity Act prohibited creditor 's from discrimination against credit applicants on the basis of race color religion national origin, sex etc In good faith exercised any right under the consumer credit protection act. Discrimination an Fraud Bureau of consumer financial protection 18 USC subsections 894 con- spire. 15usc6801protection from non public person
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A