Date Received: 2024-01-30
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Wells Fargo unfairly prevented me from making modifications to my mortgage loan in order to avoid foreclosure. My check for {$200.00}, received in XXXX of 2023 is not nearly adequate compensation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48317
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: Fraud or scam
Subissue:
Consumer Complaint: I have few accounts with Wells Fargo Bank for past 24 years. This is the first time, I ever had an issue and wanted Bank to help me out. I initiated XXXX wire transfers through the Bank. These wires were sent to a brokerage firm to trade for forex trading. XXXX wires in the amount of {$100000.00} sent on XXXX and {$50000.00} on XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Acct # XXXX XXXX wires in the amount of {$55000.00} sent on XXXX and {$110000.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary 's Account Number : XXXX XXXX Routing XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I came to know that these companies were fraud and I was scammed by the brokerage firm. They used wire as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses. I contacted local law enforcement, who has opened a case and assigned detective XXXX and FBI on XXXX who has opened a formal investigation on XX/XX/XXXX and XXXX XXXX is assigned to my case. FTC was informed on XXXX I initiated XXXX wire recall on XX/XX/XXXX and was given case # XXXX for $ XXXX, # XXXX for $ XXXX, # XXXX for {$50000.00} and # XXXX for {$110000.00}. I called Wells Fargo on XX/XX/XXXX and on XXXX on XXXX for updates and was told that my case has been forwarded to Claims Assistant Center/check fraud claims and a case XXXX XXXX XXXX has been assigned to further investigate my case and new consolidated claim # XXXX were given this time. Claim # XXXX for {$50000.00} and {$110000.00} ( these wires were initiated in the branch ). Claim # XXXX for {$100000.00} and {$55000.00} ( these wires were initiated online ). I tried reaching XXXX on XX/XX/XXXX and XX/XX/XXXX, leaving messages and was able to finally connect on XX/XX/XXXX. He did send me the Hold Harmless Indemnification Agreement to be signed and sent back on claim # XXXX for {$50000.00} and {$110000.00}. I signed and sent the letters on XXXX by priority mail, but letter was lost somewhere. XXXX contacted me on XX/XX/XXXX and emailed the letter this time to the branch XXXX XXXX XXXX location XXXX I signed the letter at the location and requested the XXXX to scan and email back, so it can reach timely. I have been calling the Bank various times on XXXX XXXX XXXX XXXX and on XX/XX/XXXX reference to claim # XXXX for {$100000.00} and {$55000.00} ( online wires ) have been unsuccessful to get any answers on this claim. I have been told that someone will contact me on this claim and I havent received any calls. Its been XXXX weeks since I initially reported the wire fraud. I feel, if Wells Fargo acted quickly, there could have been a possibility of recovering something. Every time I call, I am on the phone getting transferred from XXXX department to another and when I go in person to the branch, they are always short staffed. I received the worst customer service by XXXX XXXX XXXX, Small Business Banker in XXXX XXXX location XXXX My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. These banks have a fiduciary duty to protect their customers from fraudulent transactions and investigate matters by collaborating with the other banks and do their due diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I had an auto loan through Wells Fargo who is issuing settlements to customers they had problems with loans with. Im strictly seeing if I qualify my truck was paid off a couple years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2024 I received what I thought was an automatic text message from my bank saying : Wells Fargo Bank : Did you attempt to send money XXXX for {$1500.00} ( Pending ) Reply YES/NO/HELP. Dont want fraud text Reply REMOVE. I reply with No! I immediately got a phone call from : XXXX. ( This is the Wells Fargo online support # ). A guy named XXXX XXXX. Said he was the manager from the fraud department & someone was trying to use my account. In order to stop them he had to close my account & reverse the funds. He then went on to verify me & had ALL my credentials in front of him. He was reading off my last transactions and asking me if I made these. And going over my information. I asked him repeatedly should I go up to my bank? He said yes he definitely can do that but he would have to let the transactions go through once he hung up so its better to just take care of it now. He then had me write down account reversal numbers Credit reversal numbers, and account return numbers. He then guided me to open up my wire transfer section in my app and had me enter the reversal codes then all of a sudden {$11000.00} was gone, but he reassured me. It was coming right back. Which it did so now I had trust in him and said, thank you. He then said we have one more to do but its the end of the day and its a holiday weekend so XXXX call me back on Tuesday morning. XX/XX/2024. he actually called me on Saturday to check to make sure everything was OK with my end and the banking account as a courtesy, and he reassured that he was gon na call me again on Tuesday to fix the other one. I then checked my emails in my bank account again, and everything seemed fine, except I did get an email saying that my first payment was returned due to wrong account number. Tuesday morning comes around and he calls and we did the same thing as we did with the first one but this time for the amount of. {$9900.00}. He then guaranteed me it would be right back just like the first one and that he would be connecting me with the FBI fraud department if I wanted to press charges and put me on hold and eventually that hung up. I immediately called back the number which was Wells Fargo, and they said they had no notes or knew anything about it. They put a hold on my account and I immediately went to my bank which is a block away. And then ask the bank teller to reverse the funds as it was still pending and after sitting there, watching him type stuff for an hour. He told me that thats for the fraud department to do. I said look, we have the guys name the account number, and the bank it went to. Can we just pick up the phone and call them and told them to hold it no payment? The banker continue to tell me thats what the fraud department will do. I then said that could take days, it will be to late. He said. yah. Sorry nothing I can do but file a claim, and no guarantees on getting my money back. I called every day to check on my claim, and they kept telling me that my claims manager who is assigned to my case will contact me to hear my story. Nobody ever contacted me for nine days I finally get contacted by another guy named XXXX, who my case got pushed off to telling me their decision to, to deny my claim, and that I made this transaction. I got frauded into believing the guy was Wells Fargo helping me out as he knew all my information as a banker would. I immediately alerted my bank on what happened told him my story and asked them no I beg them to stop payment. Which they did not! I did not authorize these transactions as, I was under the understanding that my account was being recovered. There was no phone call, made or alert for four days between the first transaction and the second transaction of suspicious activity on my account. I got pushed off, pushed to other people to deal with, hung up on three times, and was just told sorry theres nothing we can do. I feel this is unacceptable, and should be covered under their insurance because it falls under being fraud. I know its not much money to them, but this was my life savings, and now my family and XXXX are suffering. Please help all I want is my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute through Wells Fargo, they closed the case. I escalated the case and an executive reviewed the information and closed the case again. I wasnt going to escalate this a third time, but I have just received the documents that I requested nearly a month ago and despite several recordings of me stating that the problem wasnt that I never received the product, it was that they were withholding a refund for a product that was no longer functional. The teller who originally helped me input the wrong chargeback code and no one properly addressed this. The proof that the merchant provided is not sufficient. I feel like everyone involved has been failing to advocate for me by choosing lazy solutions, and Im suffering for it by losing my money to a merchant who did not have to provide a working service to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
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: I created an online dating profile with XXXX on XX/XX/XXXX. The subscription was automatically renewed on XX/XX/XXXX for a full 12 months until XX/XX/XXXX without my knowledge or right to make that decision. I only found out after 6 months when I saw money was still being taken out of my account by XXXX. They took out a total of three payments of {$210.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The price doubled as well without my knowledge or authorization after 6 months. When I first signed up, I specifically selected a 6-month subscription, that is all I agreed to, not 12 months. These payments were automatically removed from my account each month as they save my debit card information. I tried the website for the first few months but afterwards, I no longer used the program and remained inactive for the past several months. After reviewing my bank statements and seeing that XXXX was still actively taking money out of my account after 6 months, I went to the XXXX website to cancel the services and noticed I was automatically selected by the company for auto-renewal and I had another year to go, which I never agreed to. When I selected cancel, it still stated for a full year, they would still continue to take money out of my profile until XX/XX/XXXX. I feel that is wrong, deceptive, and an injustice since I am being forced to continue paying for a full year for a service I do not want, and I have other important financial obligations ( e.g., bills, food, XXXX fees, shelter, clothing, etc., ). I work very hard as a XXXX XXXX and do not want to waste my hard-earned money on a service that I do not use. When I attempted to call their customer service number regarding this matter, the phone numbers provided were all inactive and had a busy dial tone. I discovered the only method of communication is through email. I never heard of a company where you can not talk to a real live person to handle complaints especially when it comes to money, but instead you must wait for a response via email within 24-48 hrs. I do not feel that is good customer service and it shows how they truly feel about their consumers, all they care about is taking their money. I recently changed my credit card number so the prior credit card number that XXXX became inactive. The company attempted to charge my old debit card to renew it for another month ( XX/XX/XXXX, current month ), but the payment did not go through, and the profile was closed. Again, I do not have a need for this service and have not been actively using this service for several months, I should not have to be charged for this current month for a service that I am no longer interested in using. I reached out to customer service via email and expressed to them I have not been actively using this profile for months, and never agreed to an automatic renewal for 12 months ( until XX/XX/XXXX ), and I should not have to reactivate my profile and pay another fee for a service I do not wish to use. The customer service representative stated that I still must reactivate my profile and pay the outstanding balance for this new month, and they will continue to charge me monthly until XX/XX/XXXX. So, basically my concerns and request to get out of this subscription is not important to them just my money. I do not have a choice because my profile was deceptively marked by the company for a 12-month renewal, and because I wasnt actively using the service, I was not even aware that they changed my subscription to a 12-month subscription on XX/XX/XXXX. I do not agree that I should have to pay for this service for another month. They are trying to force me to pay an outstanding balance for this month even after they closed my account due to the payment not going through, I never used XXXX during XXXX or the previous several months so I should not have to pay the remaining balance. Even after my request to get out of their contract and waive this fee, they are still sending me notifications to pay another XXXX for this month or they will bill me the total balance for the entire year. This is poor treatment of a customer. If you check the reviews online specifically from the XXXX XXXX XXXX there are several customers who warn people about this scam. Unfortunately, I did not find these reviews until afterwards. I am asking for your help in waiving this outstanding balance because I do not plan or wish to use their services for another 8 months or pay for this month to renew this account as it will be a waste of money. I refuse to spend my hard-earned money when I no longer have an interest in using the service. Although I have expressed this to the company, they are still trying to force me to pay the outstanding balance which is not right. Again, it was never specified to me that my subscription would automatically renew to 12 months after 6 months of being a member. I did not agree to 12 months. I was never notified by the company at all or about the price increase after 6 months. It went from a bill of {$100.00} to {$210.00}. There was no notification via email or phone if I wanted to renew the subscription or not. The company selected this for me. When I spoke with customer service about why they did not give me the choice to renew this account or notify me in the days prior to this renewal, they told me that based on the state jurisdiction I live in, they are not obligated to inform me of this. After reading the XXXX reviews, on XXXX XXXX XXXX, this was the same autogenerated excuse for several paying customers. As a customer, I was not given the option to opt out of the automatic renewal, the company decided for me and proceeded to take money out of my account. They also never informed me about a renewal system or gave me a choice to opt out. This is a scam, and I will not pay for a charge for this month of XXXX when I am not using this account and the account was inactive. As a customer I deserve to be treated better. I was not informed or given a choice of the auto renewal so I should not have to pay the outstanding balance {$210.00} or remaining fees {$790.00}. Thanks. I filed a dispute with Wells Fargo bank in request that XXXX will be credited back to my account. Even after I submitted evidence to support this unauthorized purchase. They did not honor my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
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: On XX/XX/year> I finally realized that I was being charged for an insufficient funds fee for an account that was supposed to be a savings account but somehow was converted into an additional checking account. I closed the account and requested to know how this account came to be. They claimed it had always been this. I insisted that that was not correct. I asked if I could be refunded and have my complaint moved up to XXXX. I was told I could get the refund for the month and I could close the account. This of course was after I requested it to be closed. I never heard from XXXX or ever received a call from Wells Fargo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
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: 2024-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/year> and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
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: WF CRD SVS. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
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: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Warning : Wells Fargo Destroyed My Credit Score with Negligent Handling of Fraudulent Charge Wells Fargo 's destroyed my credit score with an already-disputed {$1.00} fraud charge on a closed account. Last year on XX/XX/XXXXXXXX XXXX XXXX a {$1.00} fraudulent charge for XXXXXXXX XXXX in the XXXX popped up on my Wells Fargo card. Never been there. I disputed it immediately, they closed the account and sent me a new card, they promised I was not responsible for the fraudulent charge in any way. But five months later on XXXXXXXX XXXX XXXX, Wells Fargo reports the charge as a charge-off to various credit report agency. Result? My credit score tanks, car insurance rates skyrocket, and my mortgage plans go up in smoke, XXXX also lowered the credit limit on one of my credit card. Even if I dispute it with credit bureau, it takes time, my life plan was disrupted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A