Date Received: 2024-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. Two external funds transfers in amount of {$50.00} brought the balance to {$190.00}. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX we ( my adult daughter XXXX and myself ) went to our branch of Wells Fargo with an offer card we received in the mail. The card offered {$2500.00} to upgrade my relationship with WF by depositing {$250000.00} and leaving it in the account for 90 days. I showed the banker XXXX the card and 2 cashier checks from another local bank written for a total of {$250000.00} I was very clear that I wanted to make sure we did everything to meet the parameters of the offer and that we were ONLY moving the money to WF to take advantage of the offer. Years ago I had done an offer with WF to open account and never received the promised cash so I came into this knowing that I needed to be skeptical and keep documentation. They asked me if I wanted both checks in the same account or one in savings and one in checking. I said ideally a savings and checking BUT ONLY if it met the conditions of the offer. The branch manager said he would call and assure it would meet the qualifications of the offer before we did the transaction. He returned in 15 minutes and said yes it was fine as long as the accounts were linked. I then said we must make sure they are linked. He said oh they will be as if all accounts under a the same people are linked. My XXXX daughter XXXX and I opened the accounts jointly which they assured us would not jeopardizes the offer and were assured they were linked. As we left the bank we joked to the branch manager make sure those accounts are linked. XX/XX/XXXX XXXX received a phone call from XXXX at the branch saying that when Wells Fargo processing set up the accounts unlinked. XXXX said she tried to fix the problem and they would not allow it. She told XXXX she needed to call customer service and do it. XXXX called immediately and they assured her the accounts were linked. Fast forward 94 days. No {$2500.00}. added to our account. I called WF Premier customer service and was told we did not meet the qualifications of the offer because we opened two accounts and for almost 2 hours we were passed from representative to representative with each saying they would put in a request to research the situation which would take a minimum of 10 days. I said that was unacceptable and we needed the matter resolved as we were building a house and needed to access our funds. We kept pushing to speak to someone who could make a decision. Finally after being left on hold for 25 minutes numerous times the representative contacted the bank and they confirmed they received approval to do 2 accounts as long as they were linked. So then the headquarters people came back on the line and now said we didnt qualify because the accounts were not linked. XXXX told them that on XX/XX/XXXX she notified XXXX that the accounts werent linked and XXXX said XXXX must not have called customer service, which is not true. We persisted that we had done everything in our power to set up the accounts correctly and the disqualification reasons they sited were caused by WF errors and out of our control. We then demanded to speak to someone with the authority to correct the problem. We were transferred to XXXX. She spoke very quietly and then disconnected the line. We waited for a call back. Nothing. We attempted to call back and were told no one knew of a XXXX and after and hour of getting passed around we got angry and said they had 48 hours to put the money in our account or we would contact you. As a last ditch effort we called XXXX at our branch and left a message on her voicemail requesting her to call us back. No call back. No response. It has been 2 days since we left that message We feel this was an involved run around to discourage us from pursuing our {$2500.00}. bonus that we legally met all the parameters to receive. We deposited the funds according to the branch managers specifications and the WF offer card and we waited the required time. We have the offer card and deposit slips and the account paperwork as well as our bank statements showing the money in the bank from XX/XX/XXXX and still there today XX/XX/XXXX. We fulfilled our part of the contract. Wells Fargo accidentally? Not linking the account at their processing center is not the result of us the customers not doing our requirements. The customer service people running us in circles is clearly a smoke screen to avoid fulfilling their part of the contract. It is illogical that they disqualified us based on WF errors. There is nothing we could have done differently as customers. We feel this is blatant fraud and they actively worked to disqualify us through their errors?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm XXXX and still living with my mother. I had a substantial amount of money ( to me ) saved up. Right at {$100000.00}. I held it all in my XXXX account. ( I used it for a " savings '' account ) I transferred it all into my Wells Fargo checking account as I'm looking to buy a house soon. I deposited the funds ( {$100000.00} ) on XX/XX/XXXX. All the withdrawals were made less than a week later. A total of {$95000.00}. One was even a " Business to business '' transaction and I don't even have a business account. I don't check my checking account balance often because I use credit cards and pay them off with my checking account balance, so I didn't notice any of this until yesterday ( XX/XX/XXXX ) while I was at work and immediately left due to the fact my life savings at XXXX are just up and gone. I call Wells Fargo yesterday ( XX/XX/XXXX ) and they tell me everything is fine as it wasn't my fault. I ask them to cancel my card and change my account number AND turn off wire transfers completely. Today ( XX/XX/XXXX ) I get a call from Wells Fargo and I am told that they think I spent {$95000.00} in under a week. Due to who the merchant the money was sent to because I have used them in the past ( XXXX and middle of XXXX ). I go on to tell the lady that {$95000.00} almost six figures is a lot to spend for someone who is a firefighter and it takes XXXX years to make that sort of money, and that's not spending a penny of it. Goes on to tell me the chances are small that I get my money back and can't tell me where the money even ended up. Have had issues from Wells Fargo before and this does it for me. {$95000.00} doesn't vanish and all you can tell me is " we think it was you, because you've used this merchant in the past '' I want my 5 years of saving money back as my whole future just went down the drain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Wells Fargo never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. Wells Fargo shared private consumer info with a XXXX party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e. They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. XXXX XXXX XXXX XXXX has used all that information without confirming it and without my consent. They have no contract with Wells Fargo giving them my consent and they have no consent from the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo has continued to deny me access to my fathers bank account despite the fact that I have on numerous occasions provided documentation which clearly allows me as Successor Trustee to make financial decisions on his behalf : My father has been diagnosed with XXXX XXXX. As a result, my sister and I recently put him in a home, which specializes in caring for those with similar XXXX XXXX. According to my fathers living Trust ( the Trust ) I am the sole Successor Trustee in the event XXXX licensed physicians determine my father is declared incapable of making his own decisions including those related to his finances and healthcare. XXXX licensed physicians executed such letters on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I learned the entire balance of my fathers Wells Fargo checking account had been withdrawn {$6600.00} in total and subsequently closed. Knowing that my father is in a home and both physically and mentally incapable of getting to the bank and withdrawing funds. I am certain this was product of either some sort of mistake or more likely fraud. I promptly called Wells Fargo and voiced my concerns about the account with them. I ultimately met with a bank representative on multiple occasions during the week of XX/XX/XXXX and provided documentation clearly demonstrating that I in accordance with my fathers estate plan have authority to ( amongst other things ) execute financial transactions on his behalf. This is documentation that has already been accepted by a number of other financial institutions. Despite that, Wells Fargo denied my request- taking the conveniently technical position that the account had been closed ( after all funds were withdrawn ) and that proper estate planning documentation wasnt provided ( which it was ). Soon thereafter I engaged my son a licensed attorney to assist me with the process since I was clearly getting nowhere with Wells Fargo. Sometime in XX/XX/XXXX, he called the same bank employee to voice my frustration with Wells Fargo and more importantly hopefully come to a swift resolution. During that call it is my understanding the bank employee had difficulty explaining the banks position in denying me access to my fathers account. Although unclear, Wells Fargos position appeared to be that the Durable Power of Attorney naming me as the attorney-in-fact provided in my fathers living Trust failed to list execution of financial transactions as one of my powers. My son informed her that the banks position was improper given that I have power to execute all financial transactions on my fathers behalf based on the Trust naming me as Successor Trustee in the event 2 licensed physicians had declared my father incapacitated. My son urged the Wells Fargo employee to reconsider the banks position and informed her that he would be following up with a letter and encouraged her to forward it to her superiors and Wells Fargos legal department for further review. On XX/XX/XXXX, my son followed up with a letter to this same bank employee with the following documentation : ( 1 ) Relevant portions of my fathers Trust, ( 2 ) Durable POA and ( 3 ) 2 physician letters which clearly permit me to access my fathers account as Successor Trustee. Over the next several weeks my son had multiple communications with the same Wells Fargo employee. Despite the fact my son had provided the appropriate documentation to allow me access to my fathers account, Wells Fargo continued to deny me access. At this point the same employee told my son the Wells Fargo legal department informed her I would be required to file a conservatorship action in probate court declaring my grandfather incapacitated and appointing me as my fathers conservator before Id be given access to the account. My son informed her that the banks position was improper and unacceptable. He requested to speak with the legal department so they could explain their position, which is completely at odds with the express terms of the Trust and applicable law. She refused to put him in contact with Wells Fargo legal and also refused to relay my sons request to have Wells Fargo legal clearly lay out their position in writing. On or about XX/XX/XXXX, my son spoke with the same bank employee who once again refused to allow me access to the account at issue. During that call she finally agreed to escalate the complaint to her superiors and informed my son that one of them would be in touch with me within 10 days. Unsurprisingly, the supervisor failed to timely respond. On XX/XX/XXXX, the same Wells Fargo employee left my son a voicemail stating that Wells mishandled the escalation request and her superior attempted to contact my mentally incapacitated father by mistake. As a result of Wells error, the 10-day escalation process would need to restart to substitute me in as the proper point of contact for the escalation request. Wells was clearly in no hurry to address my concerns related to their mishandling of this entire process. On XX/XX/XXXX, Wells Fargo informed me through a no-reply email that the escalation process had been initiated ( once again due to their error ) and that they would contact me within 10 business days from the date [ I ] contacted [ them ] which clearly isnt true. I have yet to get a substantive response from Wells Fargo. This process has been terribly frustrating. It is clear to me that Wells Fargo is doing anything in their power within their deep sea of bureaucracy to make it difficult for me to resolve this issue and get to the bottom of the fraud they ( at best ) negligently allowed to happen. After repeated attempts to try and resolve this issue reasonably with Wells I was left with no choice but to file this complaint. I am hopeful that CFBP can help to resolve this simple issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This company constantly charged overdraft fees in less than 24 hours when I asked him to leave the overdraft fee because it's less than 24 hours sometimes they do it most times they refuse to do it or tell me that they can't do it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XXXX in the ReEntry Dept. called XXXX XXXX, XXXX, Wells Fargo 2nd level denied mortgage assistance application they received XX/XX/XXXX. She said there are no more options because of a time limit of 3 years given by Wells Fargo Mortgage the Investor. I asked why they continue to postpone foreclosure sale dates if they are going to allow the application not to be processed. Refusing to process application continues to increase mortgage my balance. She advised they're wanting me to seek out ways to get funds to have my mortgage reinstated. Wells Fargo has me in a line of credit requested FHA Loan when I purchased my home. I have been trying to get mortgage assistance for several years, Wells Fargo will not assist me. I don't want to lose my home to foreclosure sale date is XXXX XXXX. Resubmitted Mortgage assistance request XX/XX/XXXX, XX/XX/XXXX. I am being discriminated against because I am a XXXXXXXX XXXX who is a XXXX XXXX. LN # XXXX XXXX Foreclosure sale XXXX XXXX Process mortgage assistance request. Don't want to lose my home to foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
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: To CFPB I am writing to express my dissatisfaction with the way Wells Fargo Bank handled my complaint. I filed a complaint on and I have not received any satisfactory response or resolution from your bank. According to your own [ Complaints and Feedback Policy ] ( XXXX XXXX XXXX ), you are supposed to acknowledge my complaint within and provide a final response within However, it has been since I filed my complaint, and I have not heard anything from you except for automated messages and empty promises. This is unacceptable and unprofessional. You have failed to meet your own standards of customer service and violated my rights as a consumer. By delaying and ignoring my complaint, you have effectively made it expire and prevented me from pursuing any further action. I demand that you take my complaint seriously and provide me with a fair and timely resolution. I expect to hear from you within with a detailed explanation of what you have done or will do to address my issue. If you fail to do so, I will have no choice but to escalate my complaint to the appropriate authorities and seek legal recourse. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: because my account has been frozen if it is my account and I don't have to see anything about it, I have been receiving my payments for two weeks and they have everything that I can't even withdraw or anything and my bills and my children don't know how to wait because they don't know what's happening. On XX/XX/XXXX, they withheld my work payment of {$1600.00} and on the XXXX they also withheld all the payments that entered my account. A dollar comes in and a dollar they grab I'm already tired anyway right and you can't help I need my money to pay my rent every time I buy food for my children and pay off all my credit cards I feel like my hands are tied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a credit card back in XX/XX/XXXX with Wells and i was given a credit limit of {$2500.00}. The purpose for me getting this card was becasue it came with a waiver on the XXXX transaction fees which was critical for me as i was preparing to travel XXXX to do a semester XXXX ( will be in XXXX for 4 months returning to USA only until XXXX ). I was able to use the account normally through Thursday XX/XX/XXXX and it stopped working and i got decline after that every time i intended to make a purchase. The card is not working and they have not given me an explanation as to why it was declined and they told me to wait 15 days for it to be resolved even after i paid my full statement balance on the account which left me with about XXXX on open to buy limit. I am in a dire situation as this is my only credit card i can use here and i need the card to work especially knnowing that i already paid the statement balance and they accepeted it in full. We need resolution ASAP and i am hoping this complaint submisssion will help becasue Wellls Fargo juist does not want to help. And they do not give me an answer as to why this is all happening
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A