Date Received: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX made two deposits to my XXXX debit card account with Wachovia bank in XXXX, XXXX : Here is the settlement reference number : XXXX & XXXX. The deposits were for {$1300.00} and {$570.00}. XXXX has never credited these deposits and so called Customer Suport has stonewalled finding them. They just tell me to use their chat function but it always times out before a " live agent '' responds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45056
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ive received 5 remediation letters for unauthorized services from Wells Fargo. I called the number and was told I would get checks for each of them, including extra checks for being unhappy. They said the checks would arrive in 20 days. This was in late XX/XX/XXXX. I called today, XX/XX/XXXX because I havent received a single check. They say that theyve been delayed and have no idea when they will go out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This is regarding a NEW monthly {$12.00} fee that has been charged to my account since XX/XX/XXXX without my knowledge. It was in an account that had 0 transactions since XXXX and had previously had never had a fee. It is a SAVINGS account ; one of 5 accounts I have with Wells Fargo and an account that had zero activity during this time period. I signed up for email notifications from Wells Fargo 's website on this account and never received a monthly email showing the fee being charged. I am outraged at Wells Fargo and my attempts to resolve the issue. Please pull the recording of my phone call from XXXX on XX/XX/XXXX @ XXXX XXXX. I spoke to a very nice woman who could not answer my questions regarding the fee change, so she asked if I wanted to " FILE A COMPLAINT. '' I said yes and was then put on hold - this is when the problem started. The second woman, XXXX, was her name I believe, was rude and hung up on me. She insisted the fee was advertised, but when I asked why I wasn't charged a fee for months prior and was below the new {$3500.00} threshold, she couldn't answer. She did not like to be questioned. I told her I had my account open online and could see all the way back to XXXX with low balances- including XX/XX/XXXX with {$2400.00}, yet the fee was not charged. This is when she hung up on me! On another note, I did a screen shot of my notifications for this specific account from the Wells Fargo website- i was set up according to the icons for PUSH notifications and email alerts for this account. I never received a monthly email and push notification showing this fee when the fee was charged each month. I did receive notification ( email only )- WELL FARGO SAVINGS ACCOUNTY ACTIVITY for interest being ADDED to my account but never an email showing the fee being charged. I called back another time at XXXX XXXX and reported the actions of the employee to the escalation department. This time, the woman who worked with me, XXXX, was great. She couldn't fix the problem, but was able to talk to me rationally and explain to me that I should visit a branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was denied credit by Wells Fargo. The letter was dated XX/XX/2024. They gave four reasons why I was denied. One reason was late payments in the las 24 months. This was inaccurate. Not enough revolving accounts. This is inaccurate also. I am being treated with disrespect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I went to XXXX Bank and requested two Cashier 's Checks to be deposited at my other Banks. I requested having {$9000.00} for XXXX XXXX and {$7500.00} to Wells Fargo. I was only with XXXX XXXX for 6 months, and by the XX/XX/XXXX, the funds were credited to my account. I did the same for Wells Fargo. They were not open on Saturday and then I went in person to ascertain when the funds will be applied. They thanked me for my 18 years of being a member, but had the nerve to say, it was because I opened a new savings account and therefore, they held my funds. I said : That makes no sense, I had to verify my info in order to even open the new savings account, so why would that suspicion? They said my check would be on hold until XX/XX/XXXX. I was so upset, and informed them that as soon as these funds hit my account, I'm taking the money out, and put it back into my XXXX XXXX account. I said : " It is a Cashier 's Check ' the money was already taken from my account. Try calling them if you want to verify funds and my account. They said that is something they don't do... Wells Fargo have been sued many times for unscrupulous behavior, and this appears to be more of the games they are employing while playing with " My Money '' - It's a good thing I didn't need the money right away, or they would have put me in a very terrible financial situation. These banks continue to defy banking regulations until they get sued, or continue to finds ways to take money from their members. This is insane! having to wait 12 days, while " MY MONEY '' is held hostage..! there is nothing criminal, I haven't been in check systems, never wrote a bad check, or had any check that didn't clear, and I'm treated like a criminal. They need to be regulated harder and they need to give me an apology for a simple transaction from another reputable bank ( XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: This is a complaint..but more so how can you scenario. How can banks, lenders, get away with charging high interest on vehicle loans? Your purpose is to HELP PEOPLE, Not XXXX them and set them up for failure. You feed and prey on high risk people such as my self. Deferring payments doesn't help. 13 % on a car that's not worth XXXX $ a month is ridiculous. While yes I signed the papers, I was desperate. High risk people deserve the same rates as those that aren't high risk. At XXXX 8 % on interest. But when someone asks you to lower their interest for at least 6 months, you should TRY to help them. Not defer payments and not punish them by threatening repossession. You Have No Idea What that person is going through and why they got behind. Maybe they're embarrassed to reach out or ashamed. Regardless, your job as lender is to help. If you're planning on charging high interest, you're better off denying the loan. Some us of are trying to better our credit and 13 % at XXXX $ a month isn't helping. Wells Fargo had to do a huge payout ... and they still haven't learned their lesson because they're still screwing people over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: I am a plaintiff in the Wells Fargo lawsuit over repossession and I have yet to receive my payment from the company. I was notified I was eligible but have yet to receive payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Saving account in Wellsfargo branch on XXXX as per the promotion code XXXX that I need to open the account and keep {$25000.00} for a month to get {$520.00} rewards. I opened with the associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent her email on XX/XX/XXXX about this didn't get any reply. Spoke to customer service XXXX on XX/XX/XXXX at XXXXXXXX XXXX he spent 15 minutes but unable to help due to unresponsive system. I need my reward {$520.00} as promised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They would freeze my account or not let my money or bills get paid then charge me overdraft fee after overdraft fee repeatedly on the same transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 687XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Credit report states I owe money for account that were paid and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A