Date Received: 2024-01-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. I was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. My account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I received payment for a check from my employer for {$1800.00}. On XX/XX/2022 the bank reversed payment saying the mobile deposite was deposited twice. I have contacted the bank and they told to contact the company that issued the checks bank so that they can inciate an investigation. The company that issued the check told me they dont see the check was deposited twice and that they havent submit a reversal of funds. The bank is not telling me when the check was submitted twice and to which bank. If check was submitted twice, it shouldnt be honored because it had been already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted the listed creditor to provide proof of consent without successful response from them. According with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I called Wells Fargo to ask why I wasn't able to pay back my cash advance ( taken out on XX/XX/XXXXXXXX ) in full after being charged interest ( first time on XX/XX/XXXX and was XXXX cents, second time was on XX/XX/XXXX and was {$1.00} ) on it. I was told that I had to pay my minimum credit card balance each month and the extra would go to the cash advance payment. I only borrowed {$45.00}, so I was confused on why none of it was paid since I paid {$150.00} in payments in the month of XXXX, and only {$0.00} was applied to what I owe. on XX/XX/XXXX I called Wells Fargo and asked about why I didn't have the option to pay my balance on my cash advance in full. I was told that the extra payments I made would go to the balance with the highest ARP percentage, however, both the credit card and cash advance have an ARP of XXXX. So Wells Fargo would apply my extra payments to my credit card balance, and pay basically XXXX to my cash advance, all the while charging me interest on something they won't give me the chance to pay back in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On the XX/XX/XXXX, we noticed a large drop in our balance on our business checking account with Wells Fargo. After going through numerous transactions online, we noticed two business to business ach mobile payments to XXXX XXXX listing an unknown person. On XX/XX/XXXX. The first was for {$5500.00} and the other was for {$3600.00}. These fraudulent charges totaling {$9100.00}. We called and submitted a claim. We called back in at a latter date to check status and was told that the funds would be deposited back into our account on XX/XX/XXXX. I called another day to check status the representation said that she would put in a request to expedite the funds being returned. Then, I called back yesterday XX/XX/XXXX, XXXX and was told be another representative that our company 's funds will not be returned to us. I asked for a supervisor... she said she would submit a request to the escalation team. I spoke to him and he said he would escalate to a higher escalation team and they would be contacting us with in 48 hours. We are a small business and we need our money to pay employees, customers, pay bills etc. I stayed on the phone until late last evening trying to get the funds restore but was unsuccessful. We I got home and retrieved the mail there was a letter from Wells Fargo stating that they have completed their research of the inquiry about a {$9100.00} charge to our business account on XX/XX/XXXX. They stated that they were unable to reimburse us because too much time passed before we notified them on XX/XX/XXXX about the charge. They recommended that we contact the merchant XXXX XXXX to resolve the issue. Wells Fargo allowed a company to take {$9100.00} of our hard earned money and refuses to give it back. They acknowledged that we did not authorize it but they are not willing to reimburse us. This is not a small amount and has a large impact on our business. I reached out to XXXX XXXX and spoke to a representative named XXXX and he stated to have the bank send them to sent them and Unauthorized Affidavit of Unauthorized Activity, Copy of all statements and/or checks/ach showing the unauthorized checks/ach, Send a letter on bank letterhead explaining the error/fraud and mail to XXXX XXXX, Fraud Support XXXX XXXX XXXX, XXXX Virginia XXXX and two weeks from date affidavit received, we will receive our funds back. I called Wells Fargo Small Business Fraud Dept back and gave them this information. They said they notated the account but we would have to now wait for the investigators to contact us within the next 48 hours. This is theft! We work hard for our money and the right thing to do is give it back. This is very stressful!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello and thank you for helping out! I was in contact with Wells Fargo agents previously who helped me file a claim on my personal account however, I believe two of the charges were reversed, and I just wanted to provide the approved police report claim who investigated. I would like to have the account brought current. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX XXXX Wire Transfer issue This is to complain about my Wells Fargo bank saving account international wire transfer issue. My name is XXXX XXXX XXXX, I have Wells Fargo bank saving account ( account number XXXX ) and I did an online international wire transfer transaction on XXXX After I completed my online transaction, I called Wells Fargo customer service XXXX number to confirm my transaction at least XXXX times, every time they told me the transaction is fine without any error, the money is already in the recipients bank, and she should receive the transferred money in 10 days ( XXXX ). I called Wells Fargo customer services XXXX number today XX/XX/XXXX again, and the representatives told me they are investigating my wire transfer case # is XXXX. This is the first time I hear about the money still not sent and there is a problem in my transaction. Whatever I heard from my previous phone calls were incorrect. The wire transfer should not take so long, and Wells Fargo customer service should not give different / incorrect answers for their transactions when I checked my wire transfer status before. Could you please help to resolve this issue? Thanks for your attention and support. Sincerely, 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: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was setup for auto-pay with Wells Fargo . I received a credit alert from XXXX of a 30 days late payment. I contacted Wells Fargo to inquire of the credit report and ask how I could be late if I have auto-pay. Wells Fargo telephone rep stated my autopay was removed and confirmed that they would not notify me. So the due payment was not taken. The rep stated I could just check my bank account to confirm payments are posted. I stated thats why I setup autopay so I wouldnt have to track payment due dates. I filed a dispute for inaccurate reporting. XXXX stated Wells Fargo certified their info was accurate. THEY LIED! They did not report the auto-pay drop off info. The dispute process with XXXX is worthless if they just accept whatever a creditor says, even when lying. Wells Fargo did drop my autopay status without informing me. The rep told me as much. At the time of the phone call, I paid the amount due and reset my autopay status. Their inaccurate report has hurt my XXXX score significantly. Ive dropped from an XXXX XXXX score to currently XXXX. I need intervention to make Wells Fargo fix this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23834
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Due to mail handing issues, Wells Fargo flagged my checking account to be force closed without informing me. When they closed the account, they put a cashiers check in the mail to the wrong address and will not give me the funds from the account at the branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is regarding the recent closed complaint, # XXXX, re-submit new complaint for appeal due to company responded without resolution with the consumer. I am writing to express my deep dissatisfaction and alarm regarding the unauthorized transaction on my account. As discussed during our recent call on XX/XX/2024 with Wells Fargo XXXX XXXX representative, the previous initial claim filed directly with Wells Fargo has gotten closed and denied ; thus, I followed up with filing a CFPB complaint and received follow-up calls ( total of XXXX calls, XXXX follow-up from the bank failed, the XXXX follow-up call as promised to escalate to executive level for further decision has also failed to notify me and closed the complaint without notification ). While I appreciate their efforts to address my concerns, it is imperative to confront the glaring security lapses that XXXX have paved the way for this breach. The revelation that the location log indicated a different location from where I was supposedly conducting the transaction is not just concerning but wholly unacceptable. This disclosure raises serious questions about the reliability of Wells Fargo 's security measures and its ability to detect anomalies that could signal potential fraud, which XXXX be the initiated cause of multiple unauthorized wire transfers resulting in a total loss of {$75000.00} from Wells Fargo. The representative at the time contacting to investigate indicated a lack of knowledge of the account was potentially being hacked and misconducted bypassed their security and revealing an incorrect location log that is mismatched with my information. It is disconcerting to discover that the bank 's system failed to recognize the disparities in location data, leaving me to question the efficacy of the security protocols touted by Wells Fargo. This breakdown suggests a significant vulnerability in your infrastructure, one that malicious actors using sophisticated techniques, such as the use of anti-counterfeiting base stations and the circumvention of fraud prevention measures, could potentially exploit. I insist that Wells Fargo conduct immediate and thorough investigation into the circumstances surrounding this incident and urge them to provide the log, if, they are not capable of proving the ability to detect unauthorized logins and unauthorized transactions. It is crucial to understand how such a breach occurred and, more importantly, what steps the bank plans to take to rectify these security deficiencies promptly. Furthermore, I demand a reevaluation of the decision per the representative of the bank claim not to reimburse the lost funds, considering the apparent security lapses that XXXX have played a pivotal role in this incident. I have always trusted Wells Fargo to uphold the highest standards of security, and this breach calls into question the bank 's commitment to protecting its customers. I expect an expedited and comprehensive review of Wells Fargo 's security measures, with a transparent and decisive plan of action to address identified vulnerabilities. In addition, please have the bank reach out for mediation with proper familiarity to the case instead of repeatedly questioning the incident while the claims themselves describe the incident details. Your immediate attention to this matter is not just requested ; it is highly demanded not only by me but by the rest of the client communities. I anticipate a swift and satisfactory resolution to this deeply troubling situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A