Date Received: 2024-02-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I applied to an apartment paid with my bank account. Then they said they refunded the money to my account, which I never received. I went to a branch and they said my account was closed XX/XX/XXXX but theres no record of anything. Nor was I notified about it being closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hi I was a victim of fraud. I got frauded on XXXX XXXX. Someone that acted like Wells Fargo hacked into my account with out my permission. They acted like the bank with same number and codes they give you to make sure its you. They went into my credit cards and did a wire transfer without my permission. Not even the bank called. I called them and showed up at the branch.The amount was XXXX though my personal credit card and the other was XXXX though my business credit card. They access my credit cards got the money to my checking and then the thiefs wired it to there bank. I dont even know how if I had limits or how they do that.! Point being I filled a police report I have contacted Wells Fargo lots of timesss and have lots of case numbers and they dont fix the promblem. I am mentally drained and feel helpless the only reason I have been making minimum payments its because I dont want my credit to be affected. I have children I dont know what to do anymore thats why I am here I feel this has be so unfair. I did everything since it happen and been verrry patient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: on XXXX XXXX I made a deposit too my checking account XXXX of {$1100.00} I took {$100.00} out on XX/XX/2023 I took {$120.00} on XX/XX/2023 then I took {$100.00} out on XX/XX/2023 By the policy of the bank a new account will only give you a certain percentage when the deposit is unverifiable checks yet they took {$400.00} more out of the account than they should have I want my {$400.00} back now!!!!!!! It is obvious they owe it too me!!! there is no explanation of where it went they just took it!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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 recognized ( 3 ) fraudulent charges to my Wells Fargo credit card made XXXX. There was a dining charge that was declined and a {$70.00} XXXX charge was reimbursed. ( I have XXXX XXXX XXXX cell service. ) However, the company denied and added back at {$1300.00} charge for an XXXX XXXX flight on my account. I was on a return flight from XXXX to XXXX for work on XX/XX/XXXX, the date of the fraudulent airline ticket was purchased for, and I reported the unauthorized charges on XX/XX/XXXX upon my return. I provided my employer 's approved expense report showing I was on another flight, purchased from my newly obtained travel card, but that was declined as sufficient proof. I requested they reopen the case for further investigation, and I filed a police report with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and sent that to the fraud department to dispute the charge. That request was also denied. I then re-opened the case and provided information I obtained from an XXXX XXXX representative that the initial flight charged to my card ( ticket # XXXX from XXXX to XXXX XXXX ) was a " no-show '' and a travel credit was issued to the person who stole my credit card information. I also provided the subsequent ticket purchases shown below that were made by the persons with " international '' names. The XXXX XXXX representative said for the detective and/or Wells Fargo to ask for a supervisor at XXXX. I gave both parties this information, and Wells Fargo immediately, without any further investigation, declined to do this research and they did not provide me with any additional information on their denial of my claim. Ticket # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Even after providing the above and escalating my case to corporate, Wells Fargo has still not provided any tangible information that proves I made this purchase, and they have failed to adequately investigate the fraud charge, especially based on all the evidence I have provided that this was apparent fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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: Opened a dispute with Wells Fargo issued Visa credit card as below : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated WF closed this dispute without due diligence of following up with the merchant ( XXXX ). WF did not look at the dispute until I contacted customer service. They did not provide a temporary credit at any point of time. In the conversation with the customer rep, they told me that I do not have any proof, inspite of sending them all the receipts. They closed my dispute overnight without any follow up with the merchant about the overcharged amount.I extended the rental online and did not get a receipt for the amount which is different from the final amount that I was charged.I am not disputing the whole amount of XXXX was overcharged by {$82.00}. Customer rep insisted that they can not do anything and closed without doing their due diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened A 3 month saving account with 4 % interest rate for the 3 months and at the end of 3 months was not given my 4 % interest I was given less than 1 % interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposited a check with Wells Fargo in XXXX, GA, on XX/XX/23, in the amount of {$5000.00}, and it was a settlement that I received from a class action lawsuit. The check was drawn on XXXX XXXX Bank, as the attorneys that handled my case were in another state. The bank stated that I would get {$220.00} the next day, and the other money would be available once the check clears. When I called to check on the funds a few days later, I was told that the bank was holding the check for verification. I communicated to the attorneys that the check was being held, and the bank wanted verification of the check from the bank. The check finally cleared, as the accountant for the law firm had told me, and I was able to use my debit card to spend the money that was available. My debit card somehow got lost, and I went into the bank to make a withdrawal. I was told there was a hold on me doing any withdrawals, because the check was suspicious ; however, I was able to transfer money into my XXXX account, and was able to order merchandise online from XXXX, and XXXX XXXX My account at Wells Fargo was eventually closed, and my {$2800.00} (? ) was taken out of the account, but not sent to me. l called several times, and they claimed they needed verification to send the money to me. My money that XXXX XXXX sent me when they cashed the check!!! I have called back and forth, and no resolution to this day, except to get verification from them. XXXX XXXX cashed the check, and sent them the money, so what more proof do they need??? Furthermore, if the money was in question, then why was I able to use any of the money at all? I don't understand. These thieves are holding on to my money for no reason, other than being petty. Mind you, the individuals that handled my case at the XXXX law firm have been trying to get these people to give me my money, and they still resist. I need my money to live with. This has been going on long enough, and it is an illegal practice on Wells Fargo 's part. I filed a XXXX XXXX XXXX claim on Wells Fargo, and this is the response that I got ... .When you make a deposit into your account, its our standard policy to place it on a brief hold until we verify the funds are available. Research shows a check deposit was made into your account on XXXX XXXX in the amount of {$5000.00}. After the check went through processing it came back as suspected to be altered. As a result, the checking account ending in XXXX was closed. We will attach the correspondence from loss prevention regarding this information. Since the remaining balance of {$2800.00} was from a suspected altered check, we will not be reimbursing the funds to you. My problem with this issue is that no money would have been released to me, if the check was truly suspicious. Mind you, once again, I was able to use the money from my account freely, until they blocked me. Even when they blocked me, I was told by customer service that I could still use the funds, but that I could not withdraw money out of the bank, as I had attempted. Honestly, why was I able to use the money, if there was a problem? And, the money came from the check that XXXX XXXX cashed. Wells Fargo should not be allowed to get away with taking people 's money like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: My credit card and associated rewards card have an auto insurance feature for rental cars. It's supposed to cover deductibles for damage ( theft, vandalism, accidents, etc ) that otherwise would not be covered under normal auto insurance. I don't need to buy additional insurance for a rental car at the point of pickup because of this extra coverage. My rental car was vandalized ( {$500.00} of damage ) and property was stolen ( value roughly {$4000.00} ). My claim for {$500.00} was denied due to a provision in the contract ( the fine print ) that limits the rental period to 15 days. The auto break-in occurred on day 16 of an 18 day rental.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Subject : Complaint of XXXX Practices and Mismanagement of Funds I am writing to formally raise a complaint regarding an issue that has arisen from the handling of a certified check issued by Wachovia Bank, before its acquisition by Wells Fargo. This complaint concerns the disappearance of funds and the subsequent lack of proper documentation or evidence regarding the escheatment of these funds to the XXXX XXXX XXXX XXXX Unclaimed Property Department. Incident Description : Date of Original Transaction : XX/XX/2008 Amount : {$7100.00} Actions Taken by Me : After noticing that the certified check had not been honored, I initiated contact with Wells Fargo to inquire about the status of the funds associated with this check. I was informed that the branch in question was unable to negotiate the check and that an investigation would be launched to determine the whereabouts of the funds. Actions Taken by the Company : The Executive Office ( EO ) of Wells Fargo conducted research and subsequently informed me that due to the age of the item, the funds were allegedly escheated to the unclaimed property department of the state/territory of purchase. I was advised to contact XXXX XXXX XXXX at ( XXXX ) XXXX, XXXX XXXX XXXX at ( XXXX ) XXXX, or the unclaimed property department of the state where the cashier 's check was supposedly escheated to recover the funds. Concerns and Allegations : Despite following the instructions provided by the Executive Office, there is no record or evidence of the funds being escheated to the XXXX XXXX XXXX XXXX Unclaimed Property Department. This lack of documentation and the inability to trace the funds through the state 's unclaimed property records suggest that the funds XXXX have been improperly co-mingled with the bank 's assets, rather than being appropriately segregated and escheated as claimed. The absence of a verifiable record of escheatment to the XXXX XXXX XXXX raises serious concerns about the integrity of the bank 's processes for handling unclaimed funds and customer assets. It suggests a potential cover-up for the commingling of customer funds with those of the bank, constituting XXXX practices and a breach of fiduciary duty. XXXX XXXX : I am seeking a thorough investigation into the whereabouts of the funds associated with the certified check issued by Wachovia Bank, and if it is determined that the funds were not properly escheated, I demand that the funds be returned to me, along with any accrued interest, as compensation for the financial loss and inconvenience caused by these actions. I trust that this matter will be taken seriously and addressed promptly to rectify the situation and uphold the integrity of banking practices. I have documents that contain personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo case number : XXXX Account number ending in XXXX ( Previously XXXX ) On XX/XX/2023, I detected a {$2400.00} charge on my credit card statement linked to XXXX. Promptly, I contacted XXXX to question the charge, and they advised me to contact my credit card issuer. Subsequently, I made three separate attempts to report the fraudulent activity to Wells Fargo over the phone, only to have my claims rejected each time. Furthermore, I made four email inquiries to Wells Fargo Credit Fraud, all resulting in denial. The responses provided limited details, asserting that the merchant verified the accuracy of the personal information provided, including my name, phone number, and credit card details. Additionally, they noted that the IP address associated with the transaction matched mine. Despite these explanations, I am steadfast in my belief that this charge is indeed fraudulent. Despite receiving a replacement card after reporting the fraud, Wells Fargo has not provided any additional clarification beyond stating that the information provided to XXXX matches mine. This situation has left me unsure about how to proceed, as I am determined to resolve this erroneous charge on my account. Wells Fargo has alleged that they attempted to contact me several times but were unable to reach me. However, this is inaccurate, as I always answer my phone calls. Typically, for significant purchases like this, I would receive a text notification, but I never received one in this instance. Furthermore, I never intended to hold an account with Wells Fargo due to its reputation for deceptive practices with customers. Unfortunately, the card I possessed was a Choice Privileges MasterCard, which was acquired by Wells Fargo. Immediately after the transition, I encountered this fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A