Date Received: 2024-02-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/XXXX, I filed a claim with Wells Fargo Bank to dispute the charges unlawfully taken out of my account without my consent from XXXX XXXX XXXX. The charges that were taken out of my account were three payments of {$210.00} on XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. I provided Wells Fargo Bank with evidence that the company XXXX took out the payments without any consent or notification. The bank asked me to share documents of proof that I agreed to a six-month subscription, and then they will support my claim. I shared with Wells Fargo Bank through their claims email per their request the evidence that I only signed up for a 6-month subscription, along with a statement detailing the nature of the case, emails of conversations I had with the company to request for a refund and to cancel the subscription, and statements that XXXX denied my request to get out of an unauthorized subscription and reversal of the payments. I also shared information about their unethical practices and subscription renewal traps that they fail to inform consumers of. I shared documents of hundreds of customers who have also suffered from this XXXX subscription scam and the multiple lawsuits that were taken out against this company for their shady practices. The Wells Fargo Bank failed to help me and provide protection from this scamming company after I shared with them the evidence. XXXX does not make it clear upon purchase their terms and conditions, it is not shared with the consumer through email, and it is not visible when signing up. This practice has been misleading thousands of people, and they have all suffered greatly for it. Wells Fargo still did not support this evidence although they were aware it happened to many people. I never agreed to a year subscription like XXXX is claiming, but Wells Fargo Bank stated they do not believe me and that they refuse to support or protect my rights as a loyal customer since XXXX. When I expressed to them that I have been a loyal customer since XXXX and that they did not protect me after filing this dispute and providing the evidence, they responded back that we do not care how long you have been a customer, you could have been a customer for 50 years, it is not our fault that you are in this situation, you are on your own. The Wells Fargo claims department further stated that they will believe and go along with whatever the merchant has to say, not you. They also added that In each case, they will always side with the merchant regardless of what evidence you provide. You can keep emailing all the evidence you want but we still will not help your case. They gave me false hope that they will protect my finances from fraudulent activity, and after the outcome of this dispute, they have made it clear that any Seller you are filing a dispute with will always have the upper hand when it comes to Wells Fargo and how they handle their claims. This is unfortunate how this corporation treats its long-term customers, very poor, unemphatic, and uncaring. The customer service was terrible. All banks are responsible for overseeing and protecting the money that comes in and out of a customer 's banking account and their number one goal is customer satisfaction. They have an ethical responsibility and moral duty to protect customers from any online scams and fraudulent activity when they faithfully report this to them, but in this case, it was not done. Wells Fargo does not care about their customers, and they do not value them. In addition, the people in the claims department were very rude and lacked compassion or concern for what I endured. Some of the claims representatives even hung the phone up in my face and refused to hear any of my concerns. Although I provided evidence that I was a victim of an online scam, they still denied my claim and reversed the charges back to my account after adding provisional credits. I have been wrongfully treated by the Wells Fargo Company and they failed to protect my finances from this online scam. I save my money and work very hard in my career. The money I receive is earned through my own hard work as a registered nurse. I trusted that this company would honor and protect that. I signed up for a subscription with XXXX on XX/XX/XXXX with an agreement of a 6-month subscription renewal only. They renewed my subscription for one full year from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX without any consent or notification. Their website is not user-friendly, and they hide a lot of information from the users. Their practices are very deceptive and sneaky. They do not make it clear what the customers need to know, and they make it impossible to get in contact with them. None of the XXXX phone numbers worked and all they have is an email address, you always feel like you are not talking to a real person. Upon signing up, there was no information shared with me as a consumer that I would be renewed for another year. No contract is provided or made clear. Even when I reviewed my actual profile, there was nothing there. After digging for any type of policy from XXXX I found that the company states that they will ALWAYS notify a customer before their subscription is renewed but I never received that notification. I provided this evidence to the Wells Fargo bank, and they still failed to support me and protect me from this fraudulent practice. I ask that Wells Fargo do their duty by protecting me as a customer and add the provisional credits back to my account. They failed to treat me right as a customer and they failed to do the right thing. This companys practices are highly unethical, and they have clearly shown that they do not care about their customers or their satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been with Wells Fargo since 2017. I have never had any issues with them and they have always been great. I have had overdraft protection on my account since I opened it, and found out today it was XXXX. Of course I contacted them and was asked did I request to have this service removed, I told them know, but no one was able to assist with getting it added back to the account. I was transfered to a manager who said he does in fact see it was removed but he was unable to add it back but he would make an official complaint for me. In the middle of him doing so the call was dropped, im assuming he didnt hang up on person but never received a call back. I just want this service added back to my account asap as I didnt authorize for it to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I was forced to include my house in XXXX XXXX bankruptcy in XXXX because I had applied for a modification through Wells Fargo. Wells Fargo did not complete the modification in the time limit of 90 days despite having all of the necessary paperwork and documents. I feel that I am entitled to receive some compensation from Wells Fargo for not abiding by the time line and limits as set forth by the government for them to have made a timely decision on the loan modification. It was clear I met criteria and was eligible. Wells Fargo has never been able to prove or show they due process lacked documentation or input from me. They simply discriminated against me and denied me the relief I needed and was eligible for. My home was purchased XXXX I applied for Modification XX/XX/XXXX. I filed for XXXX XXXX bankruptcy XX/XX/XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Wells Fargo said that the homeowners ' insurance company had the funds. The homeowners ' insurance company did not answer the phone. I am now sending certified letters to all parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I believed I had a job offer lined up and needed to purchase equipment. Wells Fargo allowed me to mobile deposit checks from my employer into my account. One was {$4100.00} and the other was {$4900.00}. I then sent the money to who I thought was a vendor for my equipment. Wells Fargo cancelled both of my accounts and have them on hold until XX/XX/XXXX. I have very limited funds. I sent {$2300.00} via XXXX on XX/XX/XXXX and {$2000.00} on XX/XX/XXXX. I also sent {$4400.00} over XXXX. I have reported all of these transactions as fraud to both Wells Fargo, XXXX, and XXXX. It was not until I had sent the money that Wells Fargo closed my accounts and reported me for fraud. I was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Wells Fargo account held my deposit of 3= {$3000.00} deposited on XX/XX/XXXX because they said the funds were not available from the check maker XXXX XXXX but the fuds were there to pay the check since XX/XX/XXXX. I believe Wells Fargo is lying to me and had the funds on XX/XX/XXXX but won't release them to me until XXXX so they can do something with my money in the 10 days they held the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/year>. This account was paid to zero balance in XX/XX/year> and was never late in XXXX. Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77093
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/scrub>XXXX XXXX This account was paid to zero balance in XXXX XXXX and was never late in XXXX Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77093
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: WELLS FARGO BANK XXXX XXXX. I HAD IDENTITY THEFT ( STILL DO ) i HAVE WORKED WITH MY BANKS AND THE ONLY ONE THAT HAS NOT HELPED IS XXXX. THEY CALLED POLICE FOR ELDER FINANCIAL ABUSE, I WENT THRU 6 MONTHS OF BANK PRINTOUTS. FOR THEY PROMISED TO PAY ME BACK BECAUSE XXXX MOS OUT OF THE XXXX THEY KEPT SENDING DEBIT CARD TO MY HACKER, NOT ME. I DID NOT HAVE A CARD FOR 4 MONTHS. XXXX POLICE REPORTS, FTC, CREDIT CARD FRAUD, MAIL FRAUD ETC. EVEN FBI. SO INSTEAD OF HANDLING IT AS PROMISED THEY CLOSED MY ACCOUNT " LOSS PREVETION DENIED MY CLAIMS AS HIGH RISK '' THE BANKER WAS ALSO MAD AND ESCALATED COMPLAINT FOR I HAD WORKED WITH HER FOR 2 MONTHS, STILL NOTHIING. i AM OUT APPROX XXXX FROM BANK AND OVER XXXX ONLINE. SHE STILL IS TAKING MY CLIENTS MONEY BUT NOBODY WILL HELP ME! I AM NOW HOMELESS AND ABOUT TO LOSE EVERYTHING ELSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: this is my clam number with wells fargo XXXX and I am having to call to get updates after being promised updates I would really appreciate a credit while they resolve this issue as I do still have bills while the resolve this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A