Date Received: 2024-02-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened the Wells Fargo account, Made my initial deposit, A few days later Wells Fargo closed my account and never refunded my initial deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have four accounts that are unlawfully added to my credit report I've tried to contact XXXX XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of RICO
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: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: Unfortunately, this was years ago. Wells Fargo sent me a check last year for XXXX. Cashed it due to financial situation. Don't understand how this fixes the hole they put me in. My fight was to get another vehicle to continue working as to continue bringing income in. Had no way or time to stand for my rights. Not looking to be greedy. But that which they've given me does not help with my credit status and further debt due to the reposetion. Thank you for your time and assisting in helping those of us who can't do so. Thank You, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Had an auto loan with Wells Fargo dealer services from XX/XX/XXXX to XX/XX/XXXX. Car loan was paid in full with not one late payment ever. Today XX/XX/XXXX, I get an alert from XXXX and XXXX that Wells Fargo reported a late payment today on this account, which has been closed for 2.5 years now, and on my XXXX report is showing the status of the loan open as of XX/XX/XXXX. I called Wells Fargo who claim they never reported any late payments and show the account as paid in full closed as of XX/XX/XXXX. This is highly unethical and unacceptable behavior from Wells Fargo and who ever is in charge of their accounting department. To be this careless and wreckless with customer information as to be reporting negatively on paid in full CLOSED accounts. This problem needs to be fixed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am writing to formally register a complaint regarding the unprofessional conduct and discriminatory treatment I experienced during my recent visit to The Wells Fargo bank branch located at XXXX XXXX XXXX, XXXX, FL, on XX/XX/2024. My appointment, scheduled for XXXX XXXX to open a business account, was marred by a series of distressing interactions with your staff. Upon arrival, I was greeted by XXXX XXXX XXXX, whose demeanor initially exuded professionalism and enthusiasm to assist me. However, the atmosphere shifted significantly upon my introduction to Small Business Banker, XXXX XXXX XXXX ( XXXX XXXX / XXXX ). XXXX XXXX 's demeanor was notably different from XXXX XXXX ', displaying signs of annoyance and impatience from the onset. Despite her demeanor, I proceeded with the meeting as I presumed her behavior was unrelated to our interaction. Throughout our discussion, XXXX XXXX 's approach became increasingly confrontational and uncooperative. She exhibited a dismissive attitude towards my queries and appeared determined to find reasons to deny assistance. Notably, she expressed skepticism regarding my eligibility to open a business account due to my lack of an existing personal account with Wells Fargo. Furthermore, XXXX XXXX 's insistence on specific documentation, such as the IRS letter containing the EIN, was communicated ambiguously and inconsistently, leading to unnecessary confusion and delays. When I attempted to provide the required information, she interrupted me and demanded it be sent to her email, causing further frustration. Moreover, her insistence on aligning the business address with state records, regardless of practical considerations, seemed arbitrary and contrary to Wells Fargo 's stated policies. This was later corroborated by my independent verification on Wells Fargo 's website and confirmation from an " Escalation Representative '' from the Business Department. The situation escalated upon the arrival of Senior Program Manager, XXXX XXXX XXXX, whose demeanor was confrontational and adversarial from the outset. Despite my attempts to seek clarification and understanding, XXXX XXXX responded with aggression and hostility, resorting to loud and disrespectful tones. He repeatedly interrupted me and refused to address my concerns, insisting that I accept XXXX XXXX 's assertions without question. When I attempted to express my confusion and seek clarification, he became increasingly agitated and raised his voice, dismissing my inquiries with contempt. I was then denied the opportunity to open an account and I was asked to leave the premises by XXXX XXXX. The culmination of their behavior, including mocking laughter directed towards me, was deeply upsetting and unacceptable. I am appalled by the lack of professionalism and courtesy displayed by XXXX XXXX and XXXX XXXX throughout our interaction. Moreover, upon reflection, I can not disregard the possibility that their treatment of me was influenced by discriminatory biases. As a XXXX Veteran with visible tattoos, I can not overlook the potential role of prejudice in their demeanor towards me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have spent hours on the phone with useless Wells Fargo representatives, asked my son to get involved and visit branches across the country for me, submitted a formal CFPB complaint, so on and so forth. And somehow, Wells Fargo still does not get it. Here is a quick summary of events for you : 1. I had a credit card account with XXXX XXXX at the end of XXXX. It was in good status with a XXXX balance. It had autopay setup and online statements. \n 2. Wells Fargo then purchased the account and in doing so deprived me of online access to the account in early XXXX. They sent me a new card. I put it in my wallet. \n XXXX. Shortly thereafter, I had a house fire and was displaced. I grabbed my cats, my wallet, and a basket of clothes and thats pretty much all I have now. \nMy entire life has been turned upside down during this entire dispute. I am *STILL* effectively homeless today, XX/XX/XXXX. I am still living in a temporary accommodation. I still do not have regular access to my mail, which is being sent to my son 's house halfway across the country where it piles up because there is nowhere else to send it. I have very irregular access to any written communication. \n 4. I have consistently asked Wells Fargo, for months, to allow me so sign up for online access to view my account so I can review my statements. I dont get them in the mail because I have no current address. They have categorically refused to do so and still have not solved the one thing I need : online access to see my XXXX bill. They have refused to update the phone numbers on the account when asked multiple times in hours and hours of tortured phone calls. They have demanded I visit a branch to prove my identity ( there are no Wells Fargo branches in Ohio, where I live )- I dont know what there is to say at this point. I give up. \n XXXX. I submitted a CFPB complaint after months of begging XXXX Wells Fargo representatives to let me see my bill and enroll in online banking. I was expecting that someone with one ounce of common sense and decency might read the complaint, review the situation, and let me finally access my account. Instead, I get a letter like this blaming me for not trying hard enough to get through Wells Fargos INCOMPETENT staff while I am displaced from the fire. I dont know what to say at this point except I am not paying a bunch of bs fees for a problem Wells Fargo has caused ( stopping my autopay, refusing to allow me to set it up again, refusing to let me see my bills ) in the first place and refused to let me address despite multiple attempts over several months. Good riddance. Wells Fargo is a criminal bank and should be shut down. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was called by a Wells Fargo fraud department phone number stating my account was showing rejecting a potential fraudulent withdrawal. They asked if it was me. I said no i didnt try to withdraw money. They said theyd text me a verification code which i confirmed. They did it one more time. I verified. They hung up. I called the bank back and they said they had no record of the call but mentioned a call into an automated system to increase my withdrawal limit. I told the bank this was NOT me. They asked if i wanted to not allow permissions to the automated systems which i said absolutely remove that. They asked if i had my card which i did. They asked if i withdrew XXXX today from an ATM and i did not. They entered a claim which came back as not covered and they accused me of withdrawing the money or allowing someone else to. Im severely disappointed in their lack of security for my money and willingness to protect it when its in jeopardy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a Wells Fargo customer for over 14 years, and on XX/XX/XXXX, at XXXX I checked my online banking, and I noticed something off with my accounts, my money was not in my accounts, my personals savings account, my daughter personal savings account, and my business checking account, my money was not there a total of XXXX was taken out without of my accounts, without me knowing I was not aware nor authorized by me, I did not made those transfer and I did not requested Direct Pay from Wells Fargo Bank XXXX As soon as I noticed about my money not being in my accounts ; I immediately called Wells Fargo Bank to check what was going on with my money, I initially thought it was an error or something like that, I was on the phone with them almost 2 hours and they transfer me from one department to another and lastly to online fraud department they said that money was transfer through direct pay from my business account to direct pay companies that I do not know, so the money was transfer from my personal savings and my daughters saving to my business checking account and from there direct pay were made to companies that I do not know and I did not authorized any of those transactions. In XX/XX/XXXX I noticed that Direct Pay was active, and I immediate called Wells Fargo Bank, to let them know about it, I told them that I did not request the direct pay service, the person whom answer my call was a lady she ask me If I active the direct pay service, I told her no, that I did not activated it, not online nor over the phone or in person, and she said she will go head and cancel the service, and later on the holidays XX/XX/XXXX XXXX, XXXX XXXX XXXX was use to take money out my account to pay companies that I do not know, and now my money is gone. They even sent me an email stating that the direct pay was closed on XX/XX/XXXX, so I thought everything was fine. They said they will conduct an investigation that it will take up to 10 days and they will call me or send me a letter, and 3 day later XX/XX/XXXX, they finished with their researched and come up with the decision that those transaction was made through a secure online banking session by me or someone who had my authority. NO one have/had or has my authority I'm the only one, and no one else have my authority nor my personal information to login to my bank accounts. They closed the involved accounts with the incident and re-open me new accounts. The business account I had to go personally and closet it because I was scared that the little money that I have left will disappear since they did not close that account. Since online claim department did not help me, and they closed my claim, I had to get in contact with the Wells Fargo executive Office to escalate my claim to help me getting my money bank to my accounts, XXXX and XXXX From executive office are helping me with my claim they contact me and email me a Case number for daughters Account and another Case number for my business account, but I don't see any Case number for my personal savings Account Unless these two case numbers cover all three accounts involved in the incident. Wells Fargo Bank has been neglecting my accounts. even when I cancel XXXX XXXX a service that I did not request in first place it supposed to be cancel since XX/XX/XXXX, and a month later I called to asked why it was activated, I request them to cancel direct pay, and in weir/odd hours like XXXX XXXX my money was taking out of my account using direct pay they neglected my money and my accounts that's not acceptable. They never even mention to me or advised me to close my accounts for my security when I first called to cancel direct pay back in XX/XX/XXXX, they didn't even mention anything like that, so I thought everything was fine and trusted Wells Fargo Bank with my money and they fail me in every possible way. Moreover to make it worse, disappointed and frustrating On XX/XX/XXXX they " Wells Fargo Bank ' charged me again for direct pay and the service supposed to be cancelled by then, and today XX/XX/XXXX, they send me an email with a summary of a direct pay charging me again and I don't want that service I never wanted it, I never activated direct pay myself, it supposed to be cancelled since XX/XX/XXXX they know by now that direct pay was used to take my money and they kept the service and charging me for something that I don't want, they have been neglected and now they want to wash their hands and saying it was me making those transfer when I did not they don't want to take any responsibility, I called already 3 times to cancel a service that I did not request and that I have never use never. I called them today again, but it was closet so I'm going to call tomorrow XX/XX/XXXX during business hours to cancel it for the fourth time and ask them why I'm getting charge if it has been cancelled already, it has been so frustrating ; I'm emotionally stress since the incident. I do know what to do or where to go to get help, I asked them if I have to go to the police or FBI to make a report about the incident and they said not to go until the investigations is completed, is a lot of money I worked really hard to save it, I was saving to buy my first home and my daughter was saving to buy her first car, she just graduated high school and she is in her first college semester without a car. This is unacceptable from Well Fargo they just want me to wait and wait not taking any responsibilities, and I can't wait I need my money to continue my business, I struggle this month to pay my rent and my bills, I owe money to the IRS I'm making payments and I still have to make more payments and I don't have the money. Since the incident everything has been so hard and frustrating. Attached please find emails from Wells Fargo about the direct pay cancelation on XX/XX/XXXX, also emails about them changing me even after I called to cancel, and they send me a summary for direct pay again charging me. Thank you so much in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I mailed a check that I received from my insurance company to Wells Fargo for deposit to my wells fargo account. The check was mailed on XX/XX/2024 and delivered on XX/XX/2024. On XX/XX/2024 at XXXX XXXX I received an email from Wells Fargo stating that my account was goin to be closed because they believe the check that i have deposited into my account is suspected to be altered. Ive received the check from my insurance company and i have the proof that the check is valid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an inquiry on my report that I didn't run from XXXX XXXX on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A