Date Received: 2024-01-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I had an arrangement to pay {$260.00} to get the loan one payment up but unfortunately my check didnt drop until today. I called to pay and was told that they charged off the loan this morning. When I asked for options I was told to either pay in full or 4 months payments of {$6000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
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: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX went online to set up a new checking account with Wells Fargo. The online system gave a statement saying " at this time please set an appointment with a banker at a local branch. '' XXXX received a bonus offer code ( XXXX ) from Wells Fargo of XXXX for new account customers. It stated to provide the banker with the bonus offer code once I open my new account. XXXX went to my appointment with the bank at the branch. I provided the banker with the bonus offer code from my email and he stated ok everything is done and the new account is open and now just have to make a minimum deposit of XXXX}. I made a deposit of {XXXX} and the banker advised me to set up direct deposit with my job and that should clear the requirements for the bonus offer due to my income. After 90 days it will be reviewed if I have deposited at least {$1000.00} then I will be awarded the XXXX XXXX provided my job with my new bank account information for direct deposit. Human resources advised my first check will be a paper check then the direct deposit will start. XXXX I cashed my check into my new account. XXXX called Wells Fargo to get update on {$300.00} bonus offer. The representative stated she didn't see the offer code because I didn't setup the account online. I advised her I tried to but It advised me to go into a branch. The representative stated she will submit a form to that department since I provided the code to the banker at the branch. She stated give about XXXX days to hear back. XXXX called Wells Fargo to follow up on XXXX XXXX. The representative said per the notes I would have to go to the branch and they would have to submit a request for the bonus offer because I opened the account with banker and not online. I asked the representative would this cause an issue because it was opened in XXXX. The rep said no because I did everything when I was supposed to. I then made an appointment to go back to the same branch. XXXX went to my appt at the local branch. The banker apologized and stated it was their fault because I provided the bonus code and made the deposits as promised. The bank then called Wells Fargo to speak to a rep to see what he need to do to put my bonus offer request in. The rep advised the banker she couldn't provide info because it was past the date. The banker advised the rep that this was an issue on their end and they made the mistake. The rep said she could not help. The banker advised apologized and advised me he will fix the issue and give him about 24 hours or the next morning and he will call me. I then called Wells Fargo and asked for the complaint/corporate line because I felt I was being treated unfairly and held up my end of the bargain. The Wells Fargo rep provided me the information and apologized. XXXX called the banker on his number but no answer so, I sent him an email asking about a follow up and when I will be provided the {$300.00} bonus offer. I advised I was being treated unfairly and feels like this is false advertisement and I will reach out to the CFPB. He then gave me a call and advised he was working on it with his manager and I will hear back from her shortly. The manager gave me a call and stated she apologize that they did not do their part and she will fix the issue and get back to me. XXXX emailed the banker again and advised I have not heard anything from anyone and I need an update. The manager called me shortly after and advised she has submitted a complaint on my behalf and also working on getting me the {$300.00} bonus offer I was promised. She stated she will follow up with me once she has an update but give her some time. XXXX spoke to a case specialist with Wells Fargo stating she received the compliant but there is nothing she can do. As I stated to the rep this is terrible customer service and I feel used by everyone I spoke to that gave me their word. I provided the rep with all the details from beginning to end and how this is not my fault and I did everything I was supposed to but the branch failed to put the code in correctly. I advised the rep I was reaching out to the CFPB because Wells Fargo did not fulfill their promise and they continue to make it look like I did something wrong. The rep said ok and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
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: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XXXX I recieved a letter yesterday when I returned from my vacation, that said nothing? I feel I sent the wire, paid for the wire, and if there was a issue? They should have sent back? I was not aware that recepitent did not receive funds on time, and it has cost me a lot. I can upload the letter if you would like? Wells Fargo is a nightmare, and there apology is not making it. Do I have recourse by suing them?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
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: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33054
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Wells Fargo since XX/XX/XXXX to present has not applied bi-weekly payments ( XXXX ) correctly. We still have a 30 year mortgage. From XX/XX/XXXX to XX/XX/XXXX. We were overcharged in our Escrow account from XX/XX/XXXX to XX/XX/XXXX. We closed the escrow account in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
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 features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/year> I transferred {$3000.00} from my XXXX credit card to Wells Fargo credit card. The balance transfer went through but the {$3000.00} is also still showing up on my XXXX card. Have called both companies multiple times each month with the same answer. Wells Fargo has told me that the money got sent to XXXX ( confirmation of balance transfer : XXXX ). Trace number XXXX. XXXX still says they dont have any record of a balance transfer despite Wells Fargo saying the money was sent to the correct card ( after verifying the card number multiple times ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92120
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2024 checking my small business accounting software I noticed that a credit card that automatically is paid from my business checking account suddenly had a late fee. Checking further I discovered that WellsFargo closed both my Business Checking and Business Savings accounts of XXXX years on XX/XX/2024 ( Personal customer for XXXX years ). On calling support on the XXXX they claimed I never submitted a requested physical address to have on file for the business accounts which I had completed in XXXX and even received cards in the mail confirming the address change. After additional research the support person located the attempted address change, but stated that it hadn't actually changed and so the accounts were closed and there was nothing he could do to address the situation. The only recourse they offered was to schedule an appointment to go to a physical branch for an hour an XXXX half to open brand new accounts which are not linked to any of my other business accounts, or money management tools because there " is no way to re-open the accounts '' that they incorrectly closed. WellsFargo made no attempts to call, or email me despite my long history with them they just closed the accounts causing late and non-payment fees to be incurred on accounts relying on this checking account for auto-payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
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: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33054
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: Wells Fargo pulled credit reports without my authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A