Date Received: 2024-03-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I dispute this report for more than 5 times and claiming there are many errors in this report with this account, company only reposed with confirmed, no solution.This is a violation against Fair credit act.I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Wells Fargo raised the interest rate during use of the card which is more than a the actual balance in the card which makes it impossible to pay off the debt. The interest rate is inhumane and should be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Is theft I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. it is the result of identity theft. Wells Fargo card service account # XXXX please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/2023, I discovered that a Business Checking account ending in XXXX had been opened without my authorization at Wells Fargo. I discovered this fraudulent activity after logging into the Wells Fargo app on my mobile phone and seeing the account ending in XXXX listed on my online banking home page. The fraudulent account ending in XXXX was registered to XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX ; furthermore, I have never authorized the opening of a Business Checking account associated with either my name or XXXX XXXX XXXX. The fraudulent checking account ending in XXXX was opened via an eDeposit of {$100.00} ( XXXX USD ) at XXXX XXXX WST on XX/XX/2023 at the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX and was not in XXXX XXXX on XX/XX/2023, or on any of the days listed in this complaint. Because my husband was in the hospital at the time I discovered the fraudulent account on XX/XX/XXXX, I was not able to contact Wells Fargo about the fraudulent account until Monday, XX/XX/2023. On the afternoon of the XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX near my home and was told I needed to call customer service to resolve issues regarding fraud and identity theft. On Monday, XX/XX/XXXX, XXXX same day I visited and was turned away from the XXXX XXXX XXXX Wells Fargo {$9000.00} was transferred from the Joint Savings account I share with my husband at Wells Fargo to the fraudulent Wells Fargo XXXX Account ending in XXXX. This transfer was made without authorization by my husband or me. The reference number provided by Wells Fargo for this {$9000.00} transfer is XXXX. On Monday, XX/XX/2023, following the unauthorized transfer REF # XXXX, an unauthorized ATM withdrawal for {$1000.00} was made in XXXX XXXX from the fraudulent account ending in XXXX. This ATM withdrawal occurred at XXXX XXXX XXXX XXXX XXXX XXXX, CA. The ID of the ATM used for this withdrawal is listed on the Wells Fargo app as XXXX. The transaction description available through the Wells Fargo app states that a card ending in XXXX was used for the withdrawal. To my knowledge, I have never possessed and currently do not possess a Wells Fargo card ending in XXXX. I did not authorize this withdrawal, nor was I in XXXX XXXX at the times of the fraudulent activities described herein. On Monday, XX/XX/2023, following both the unauthorized transfer REF # XXXX and the unauthorized withdrawal of {$1000.00} from Wells Fargo ATM ID XXXX, another withdrawal of {$6500.00} was made from the fraudulent account ending in XXXX. The information provided by the Wells Fargo online portal for this withdrawal is as follows : Category : Cash from Branch. Transaction description : WITHDRAWAL MADE IN A BRANCH/STORE. I did not authorize this withdrawal, nor was I in XXXX XXXX at the time of the fraudulent activity described. Since discovering these events involving identity theft and fraudulent activities, I have submitted an identity theft report through the Federal Trade Commission ( REF # XXXX ). I have filed a criminal report with the XXXX XXXX Police Department ( case # XXXX ) that has since been forwarded to the XXXX XXXX Police Department. I have activated 1 year fraud alerts through XXXX, XXXX, and XXXX. I have changed my Wells Fargo username and password and activated biometric login as well as two-factor authentication. I have also spent hours on the phone with Wells Fargo over multiple calls to dispute all fraudulent and unauthorized activity relating to both the fraudulent account ending in XXXX and my legitimate joint savings account. Wells Fargo Representatives have confirmed that the business checking account opened in my name was done so fraudulently, but they have denied all claims that money was moved from my joint savings account without my authorization. They have also refused to provide restitution for the money that was withdrawn from the fraudulent account. Representatives at Wells Fargo have failed to provide me with requested copies of investigation reports. I am at my wits end, and I am not sure what avenues to pursue next. Thank you for your time and assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Thursday, XX/XX/24 I received a phone call from XXXX that listed as " Account services. '' They claimed to be Wells Fargo and that a previously closed credit card had been hacked and someone was trying to make unauthorized purchases on my behalf. They had my previous addresses on file. They gave me a specific claim number and account transactions. I explained that that account had been closed and we had new credit card numbers. They asked for the card number to verify it to 'cancel ' the credit card. Unfortunately, I did give them the credit card number, expiration date, and cc code ( cards have since been canceled with the bank ). He then asked me for the last XXXX of my social which I did not give. He said to cancel the cards he would need to confirm the via a text on the phone, which number was actually my husband 's. My husband did not receive a text. The man then called my husband and the number appeared as " Wells Fargo '' on his caller ID. The man kept pressuring me to give information and I finally hung up. He then called me back on the following numbers : XXXX XXXX He called my husband on the following numbers : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I deposited a check on behalf of my new tenant. Check is XXXX XXXX funds. They are not named on my account. Within XXXX minutes of depositing check I get alerts stating my accounts are scheduled to close. The next day I speak to agents on the phone and they say if I go into the branch with check owner they will release hold. So I made an appointment with the branch and went in the branch with check agent. The agent is actually her son who has a power of attorney and that power of attorney is registered in the county of XXXX in California. They take copies and should have already cleared this up by now. Everything is up and transparent. I dont know why my account is still inaccessible and funds are still tied up. Please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The boxes I checked above are as close as I can get to my complaint, but they are not accurate and I couldnt leave them blank. I was scammed by XXXX XXXX who spend their time ripping American people out of their money. They took over my computer, transferred money from my credit card to my checking account then transferred some back to my credit card, they changed my password so I couldnt get into my account to see what was going on. They told me I had to purchase gift cards to pay back {$4000.00} that they said I took from their account. I panicked and did what they told me. Not at any time while they were moving and changing my account did I get a message from Wells Fargo for security codes like I do with all my other accounts I have. Finally XXXX hours later someone from Wells Fargo called my husbands phone and told him we were being scammed. It was too late by then. I know I should not have listened to them but they were so convincing that I had taken their money. I wrote to your offices and talked to XXXX different people but got no results. I closed all my accounts with WellsFargo and am so thankful I did. I opened checking and credit cards with XXXX other large banks and their security is tight and checks me all the time. I also know that you have insurance to back customers when they are scammed out of money, but your bank did nothing to help me. I wanted to let you know after the fact. I have never gotten over this {$3300.00} loss to my account and knowing how I allowed those people to hurt me and my husband. I continue to get scamming emails daily from these ruthless people, but now I have enough sense to erase all emails and texts from them. I only hope that your present customers are protected by you more securely than I was. When I hear negative things about Wells Fargo I chuckle and am thankful to not be doing business with you. You can check my dealings with you if youre interested. Im sure my info is still in your system. I was a customer for many years. I even had a large mortgage with you. Thanks for listening!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: What happened was I bought the home in i think 2001 and paid my house up in full for 5 years and when the hud program was to make the payment of the {$10000.00}, wells fargo foreclosed on me because i had told them i was looking for a new job, and if i could refinance the property because the program had just paid the {$10000.00} for my house and this was thru the section 8 program, and before that I had bought my house through cant remember the builder, but they sold my lean to the house to wells fargo with an assage on the loan, when i found what that was the had foreclosed on the house, told me and told me i had to be out of the house in 5 days exact, they sent a constable out to put me and my children out, and were became a homeless family. Wells Fargo would not work with me in any kind of way, I sent in all kinds of paper work asking them not too, but they said they couldnt help and had us put out. I lost everything. They even took my car because they said i did not have insurence on the car when clearly it was, and if you will you will see where they sent me a check for the car of only XXXX dollars ( XXXX ) and I sent the check back, they wanted me to pay them {$10000.00} for the car, and i refused because the sold car for {$1500.00}, and they did not have the right to take my car, my payments were up to date. I really think I am owed for my house and car, this bank knows they owe me but will not send me what they owe me and what they owe hud, and so yes i want to complain Wells Fargo made my kids and I homeless and hud and section 8 will not take my application anymore due to this bank and or company taking my house, less know my car for insurence, totally put my kids in I in the streets for no reason at all. I just want what they owe me and section 8. 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: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Wells Fargo Dealer SVC regards their unauthorized sharing of my non public personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information, and I believe my privacy rights have violated. On XX/XX/year> I notified Wells Fargo Dealer Svcs that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with institution. Despite my explicit opt-out request and my clear assertion of my rights under The GLBA, I have reason to believe that Wells Fargo Dealer SVCs had contributed to furnish my non public personal information to non affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potentials consequences of this unauthorized sharing, including the protection for identity theft, fraud, or other financial harm. I kindly request that Consumer Financial Protection Bureau Incesitfsge this matter throughly and take appropriate action to ensure that Wells Fargo Dealer SVCs complies with all federal regulation and, including the GLBA, to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the process of this investigation and any actions taken to address the violations committed by Wells Fargo Dealer SVCs. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you requireany further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am reaching out to due to a form of identity theft. This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WFDS to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. This account is not mine & needs to be deleted. Account WFDS - XXXX Last 4 digit SSN : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A