Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A large sum of money was deposited into my checking account by me multiple times. I had seen the numbers change very often on the banks website and seemingly money was disappearing from my account. The statements information became false and were changed electronically before I could print them out. When I tried to follow up again the transactions would be switched around and then I became confused as to what was happening. I began to save all of my receipts since the transactions are not aligning with my spending habits and money seems to disappear quickly. I do not yet have an attorney or accountant on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96003
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: Problem using a debit or ATM card
Consumer Complaint: My phone and my wallet was stolen and some one used my info to withdraw {$600.00} from my account that I did not authorized. Once I noticed this I immediately contacted Wells Fargo to file the claim. I called them to get an update on the claim and they told me that they denied but would not tell me why. I have filled a police report and I told them that I will give that police to further support my claim but they told me no that it would not make a difference. At this point I feel Im being discriminated against because Im a XXXXXXXX XXXX because they are questioning my integrity and being very insensitive when I told them that my things were stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
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: Banking errors
Consumer Complaint: On XX/XX/2023 I received a text from Wells Fargo, your debit card was declined for insufficient found, when I checked my account was XXXX when I had XXXX. Immediately called to the bank the person said effectively your card was denied for a transaction on line for XXXX and for (???? ) for XXXX, I said, I did not recognize those transactions neither the XXXX using XXXX XXXX, the fraud dep. said they received documents from XXXX that I authorized that transaction, ( letter from the bank ) the bank gave XXXX credit to my account now they send another letter that they are going to colecte the XXXXfrom my account. I do not know what to do, they made the decision, I have called them many times but they dont listen, In the last XXXX months I have change my debit card like XXXX or XXXX times for the same reason, almost never have money on my account because this happened, last week some body tried to pay XXXX in on line store, once again the card was declined, please need some help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
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: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Back in XXXX, i was a Wells Fargo Customer. I was struggling to make my mortgage payments. Wells Fargo gave me 2 options to relieve some of the stress. Lock in my Adjustable rate mortgage which they told me would be approved if i did it at a certain date before the mortgage started to adjust. I was denied. Then with the new payments increasing every so often it became harder to keep up with payments. After a couple of Modification attempts always denied. It became clear Wells Fargo wasn't going to help me at all only alternative was Foreclosure Proceedings, which took the life out of my family and myself. Finally after hiring an attorney to help us through this nightmare with Wells Fargo, we lost our home and everything to do with my finances and credit. Home Short Sold in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX my phone was alerted of 2 wire transfers in my account that took place XX/XX/XXXX & XX/XX/XXXX. I have never made use of the wire transfer feature nor did I confirm use of it at any time. I have no knowledge of the person my funds were sent to nor did I know they were sent. As soon as I viewed I made my claims. I made 2 claims. One claim for 2 wire transfers of XXXX dollars. The other for XXXX XXXX XXXX transfer. The XXXX claim was made under reference number XXXX. And the wire transfers that totaled in XXXX dollars was made under reference number XXXX. Along with my claims I opened a new account changed all passwords and requested a new card. For the XXXX dollar claim I was accredited my funds back ( XX/XX/XXXX ). But, for the wire transfers XXXX dollars total I was denied on the claim as well as the recall ( XXXX ). I was not responsible for any wire transfers or confirmations to send my funds and system error was already admitted as my first claim was granted. In my denial letter I was told I was the person who confirmed the transfer as their reason for denial. I was not. After reaching out to make a complaint to the bank ( XXXX ) I was instructed up to 10 days and someone would reach out to me with fraud investigation for Wells Fargo. I requested a reference number and a call back number or any info that would help me be on the lookout for the call. I received a call during working hours and missed it ( XX/XX/XXXX ). I have been calling back to this specialist every day since. I was given none of the information I requested and it has been well past 10 days since my complaint was filed. Between yesterday & today alone, ( XX/XX/XXXX & XX/XX/XXXX ) I have left over 4 voicemails and 10 missed calls to the number provided by the specialist. I feel I am getting the run around and not being provided protection to majority of my savings. I have talked to 5 different representatives and each time I must explain this whole situation again with no one allowing me to speak to an office manager/decision maker and it has been a frustrating and disheartening experience. I have not authorized any wires from my account in the history that this account has been active. The bank has already admitted there was fraudulent activity replaced everything to do with the account and I was granted the claim with the smaller portions, and given XXXX dollars back in wire transfer fees. This is not right and I need my funds replaced for the fraudulent wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/year> at XXXXXXXX XXXX., I went into Wells Fargo branch location at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, for an appointment with the sole purpose of having my existing checking and savings accounts transferred into my relatively recently established Revocable Trust, as a part of my personal estate planning. I provided the personal banker ( as his manager provided oversight ) with my entire Declaration of Trust document and the Employee Identification Number ( established specifically for the Trust ) provided to me by the Internal Revenue Service. The WellsFargo representative made copies of all of my documents, processed the changes in their system and provided me with receipts of the change being made to the three of my accounts that were to be placed in the name of the Trust. On today ( XX/XX/year> ) I received a call from the same Wells Fargo branch representative advising me that the changes were rejected from corporate due to the EIN not being listed in my Revocable Trust. I advised/explained that you can't get an EIN for a Revocable Trust UNTIL the Revocable Trust is executed and you declare that the Revocable Trust has been executed when you request an EIN for the Trust. He insisted that this was the direction he had been given, which I disagreed with as I've had my checking and savings accounts at other financial institutions complete the same transaction without issue. I requested to speak to someone in corporate and was transferred to a WellsFargo representative with whom I filed a complaint regarding this matter and that case number is XXXX. It is known that Wells Fargo has a history of unscrupulous business practices when it comes to people of XXXX, of which I am a part of. People create Trust everyday and transfer their assets into them daily so this additional request makes no sense. But the kicker in the conversation with the personal representative was at the end of the conversation he advised me that this required amending of my existing personal Revocable Trust to include the EIN in the Trust document had to be completed asap or my existing personal checking and savings accounts would be closed. This further infuriated me as i've been an account holder with this financial institution for 20+ years and again none of what the representative state as a requirement made any sense. The personal banker subsequently advised that he/his manager would be filing a complaint with corporate on my behalf but that didn't make sense either and don't trust their internal checks/protocal/oversight given their recent history and settlements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is in reference to prior complaint number XXXX. The complaint was closed but never resolved by Wells Fargo. Wells Fargo is trying to force a debt onto us. Wells Fargo has stated that because a new account was not opened in the name of the new guarantor, that the debt remains. However, the new guarantor is now deceased, several months after ownership of the company and all debts were transferred to him. It is impossible to ask for a new account to be opened by the guarantor when Wells Fargo dropped the ball 6 months prior to the death of the new owner of the company. In addition, Wells Fargo admits in their attached response that they received a letter from the new owner to remove us from all debts with the company involving Wells Fargo. In addition, Wells Fargo continues to require that the deceased remaining owner of XXXX XXXX XXXX open a new account for the debt as a solution to the issue, but Wells Fargo refuses to acknowledge the death of that remaining owner. We don't owe any debt to Wells Fargo regarding XXXX XXXX XXXX, or anybody for that matter. But Wells Fargo is using fraud, false claims, deception, and unfair and deceptive practices by not taking our calls nor resolving our matter by constantly extending the resolution to our case. They are acting irresponsibly and illegally. Wells Fargo is trying to push the deceased owner 's debt onto us without any justification or legal basis. My husband XXXX XXXX and I ( XXXX XXXX ) sold our interests in XXXX XXXX XXXX back to our partner on XX/XX/2023. Our partner, XXXX XXXX, assumed all debt owed by XXXX XXXX XXXX at that time via a signed contract and an additional letter submitted by him to Wells Fargo. XXXX XXXX and I then physically went into a Wells Fargo branch in XXXXXXXX XXXX and removed XXXX and XXXX XXXX off all of the business accounts with Wells Fargo representative XXXX XXXX. I followed up with the Wells Fargo Business Credit Card Services via phone on XX/XX/2023 to confirm removal of XXXX and I from the Business Line of Credit account ending in XXXX and a Credit Card account ending in XXXX. After 2 weeks and several phone calls I made personally to the Small Business Credit Card Services department, an associate in that department emailed me a form on XX/XX/2023 titled Small Business Lending Guarantor Liability Affirmation to fill out and have XXXX and I completely removed from liability on the XXXX XXXX XXXX company credit card and Business Line of Credit. I promptly filled out the form, faxed, and emailed it back to SBOH Customer Correspondence, as directed by the associate in the Small Business Credit Card Services department. As of XX/XX/2023 XXXX and I stopped receiving any statements or correspondence on any of the above listed accounts. Suddenly, 7 months after filing all required paperwork, in XX/XX/2023 my husband XXXX checked the mail and there was a notice of a past due balance on the above listed accounts. This prompted me to again call Wells Fargo Small Business Services using the same phone number I was given to use back in XX/XX/2023. I was on the phone for approximately 2 hours constantly being transferred to various different departments because every department claimed it was not an issue their department handled. Finally, I was given a case number by XXXX XXXX of the Small Business Resolution Team : XXXX with the promise that Wells Fargo would resolve our issue and remove us from The Business Line of Credit and Credit Card accounts by XX/XX/XXXX. However, since then Wells Fargo has emailed 5 times to extend the amount of time needed to resolve our issue with the most recent extension being sent on XX/XX/2023 to extend until XX/XX/2023. When I try to call, I receive the same run-around of being transferred from department to department with no one being able to locate or resolve our case by removing us from the aforementioned accounts of XXXX XXXX XXXX. XXXX XXXX and I do not owe any of these debts. XXXX is an XXXX XXXXXXXX XXXX XXXX XXXX XXXX with the XXXX XXXX. Wells Fargo has been taking advantage of a Veteran and XXXX XXXX XXXX XXXX as well as his military family members by not adhering to their original promise in XX/XX/2023 of removing XXXX and I from all XXXX XXXX XXXX debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a direct deposit checking account with Wells Fargo on XX/XX/2023 to obtain a promotion reward of {$320.00} which they offered after 90 business days. The other requirement was to receive a total of {$1000.00} of more in qualifying electronic deposits to the new checking account within 90 business days. The account shows a deposit of {$1100.00} 0n XX/XX/2023 within the XXXX business day required period. Wells Fargo has now refused to give me the {$320.00} promotion reward to me. Their argument is that the time period was NOT 'business ' days ... which is the normal time of business ... but the time period was total days. Further, I have been a mortgage customer of Wells Fargo for 19 years. They do not consider that I am a long-time, consistently paying customer when refusing to give me the promotion reward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/, I requested a wire transfer of {$75000.00} from my Wells Fargo account to a foreign account with a XXXX XXXX address. I am requesting that Wells Fargo deposit the this amount back into my account. I was led to believe that this account was legitimate, but I later learned that is was a scam. I have a copy of the wire transfer document. I have since learned that in fraudulent wire transfers, the party most Courts rule that the party in the best position to discover the fraud should bear the loss. Clearly, Wells Fargo is better equipped to identify fraud. XXXX attorney 's opinion You are right about the bank saying that this is their policy on all wire transfers. So it means that for your case they behaved exactly as they do with all the other cases - just formally, nothing else. And in XXXX out of XXXX transfers ( approximately of course ) it is a good legitimate transfer. So they don`t bother to do a detailed check. But your case was namely that XXXX transfer that they could stop and prevent you from losing your money. It wouldn`t take a long time for them. Just about XXXX minutes to understand this is a scam. If they didn`t speak to you if they didn`t ask you any detailed questions if they didn`t tell you something like " sir, we are sure that this is a scamming scheme, this company has no license, their website is only 3 months old, scam advisor rate is lower than 10 %, we definitely not recommend you to send them money '' then they didn`t do their job 100 %, and there are good chances to point them on their mistakes and get you compensation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 1099-c and had documentation to collect money from money owed from a company through court order and wells fargo refused to open the dispute back up in order to receive my from company to repay remaining balancE off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A