Date Received: 2024-03-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/year>, I received notification to update my address from the XXXX XXXX or XXXX to a physical mailing address. I was confused because they have my mailing address, which is physical. I explained to them that what I have is in fact a physical mailing address where I received all my mails. Subsequent correspondence requesting the same thing as irritating, but I reached out and someone explained to me that it had to be a physical address, to which I said yes it is, and it is also a place where I get my packages. Further communication regarding this matter occurred around the holiday season of XXXX after explaining the situation, the Wells Fargo representative told me not to worry about it anymore since its a physical location/address. Eventually, I went on their website and made some changes on my account through the app, but did not change the address on file. Two weeks ago, I found out that my account was closing when I went to conduct business at one of their location. A case was open in an attempt to stop the closure, but I received a letter today stating that they could not reverse their decision. They state, however, that even though the responsibility of informing me not to worry about the issue any longer was their mistake, the only recourse was to provide further training to their staff, and completely disregard the fact that nobody explained to me that they needed a residential address instead, until two weeks ago. This irresponsible Wells Fargo behavior has led to much financial woe for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: It started with a letter in the mail from a company called XXXX XXXX. They claimed that they were able to consolidate my student loans and were able to get me a lower payment. Therefore I called them and after the " paperwork '' was done I had to pay {$800.00} upfront and the monthly payment was supposed to be {$49.00} a month. All of this happened in XXXX. Then in XXXX my loan servicer contacted me and said that I had to start paying my loans, which was weird because according to XXXX XXXX I was paying them already. Then I tried to call them and of course no one answered. Then I researched a little bit and turns out that I wasn't the only one with this problem with this ilegitimate company. Then I called my bank which is Well Fargo, and they basically said that they couldn't do anything because the transactions counted as me not being satisfied with the service the company was providing. I told them that there was no service because it was a scam, and they just didn't do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received 3 overdraft fees in the amount of {$35.00} each for debit card transactions. I opted out of overdraft over a year ago to avoid fees, but they continue to charge fees. They refunded two of the fees leaving one because it was their policy not to. The call was escalated to the executive office, but they responded today that they would not refund the fees either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75503
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Hello there and great afternoon ladies and gentlemen coming by to report an unexpected issue concerning that of my identity being stolen and the high alerting amount of fraud " low money payment wages " I had experienced while getting Social Security Benefits with the Social Security Administration. This constant harassment by local XXXX XXXX has now placed a burden within my financial stability in example " Clothing, Shelter, food, and vehicle transportation " This sort of abuse also came with several arising conflicts " identity theft victim " as I started maturing within my independence, including that of several failed approaches while running my credit looking for apartment homes, cell phone companies, attempts buying vehicles due to not being approved for a vehicle due to none approval reports, and also noticing a slow increase and none credited XXXX credit line and credit score. I would love to ask for some help in possibly investigating this problem I have been experiencing for several years now and do wish to receive a report including the names and individuals whom abused accessible responsibilities in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I use a credit card from XXXXXXXX XXXX to pay rent and other purposes. This card has a feature " XXXXXXXX XXXX '' that processes rent separately from other purchases, so it withdraws the rent cost from my bank account around the same day it issues payment to my landlord. This prevents large credit utilizations for rent. I have scheduled this payment for the XXXX of the month, while my typical automatic statement balance payment is the first of the month. I noticed on XX/XX/XXXX an abnormally large payment to XXXX. Typically my expenses outside of rent on my card are < {$1000.00} per month, so I was concerned to see a ~ {$4800.00} charge for my XX/XX/XXXX statement balance payment. Upon investigation, I noticed that this amount added up to both my rent payment ( XXXX ), and my other charges for the month. However, XXXX had also withdrawn my rent payments properly the past several months, so this would indicate I was double charged for one of these payments. Upon further investigation of both my bank and XXXX statements, I noticed that for my XXXX rent, the amount was withdrawn from my bank account on XX/XX/XXXX as expected, but was not credited to my XXXX account until XX/XX/XXXX. It appears that when my monthly statement was issued on XX/XX/XXXX, it included the XXXX rent that had yet to be credited. Therefore, although the rent payment was eventually credited, my automatic statement balance payment also included this number, and withdrew on XX/XX/XXXX, causing a negative balance. This caused me to go below my bank account 's minimum balance requirement ( although in this case no fees were incurred ), and came closer than I'd like to overdrafting my account. As I hadn't been expecting quite a large payment due to the double payment, my account could have been overdrawn for later payments this month, as the double payment left me with < {$150.00} in my checking account. In addition, it was quite difficult to get customer service to respond to to this issue promptly. On my first call, I was told I needed to use email or chat support to get a refund. After discussing the issue over chat, I was told we would have to move the conversation to Email, but I never received a follow up. When I called back and explained the issue again, was told the issue was my fault because of the representatives incorrect understanding that the XXXX protect payments were payments from my bank 's bill pay service with variable processing times, when actually they are automatic withdrawals by XXXX like any other automatic payment. When I asked to speak to a supervisor as clearly there was a misunderstanding, I was placed on hold for over 40 minutes before my schedule forced me to hang up and call another time. Only on the third call was I able to reach I representative after a 30 minuite hold that was able to help me initiate a refund for the full XXXX. This took significant effort to recover money that is mine, and a customer with significantly less spare time during customer service hours would not have been able to recover their own money if a similar issue were to occur to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit card balance increased by {$1400.00} even though I had only spent {$550.00}, in processed transactions to date, during this billing period. We also made over {$1000.00} worth of credit card payments. So how did my balance increase by {$1400.00} when I did not even spend that much? The only fee charged during this cycle was reversed. I am concerned that this may have happened more times than I have realized, and I would like for it to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo is denying my dispute and for some reason every time I call I either get hung up on ignored they say the same thing and act like robots. Wells Fargo isnt following regulation and is refusing to tell me why my dispute got denied. I would like to help the CFPB start an investigation/lawsuit against Wells Fargo and one of the employees called me a XXXX and hung up! I want my money back it is a huge sum. I dont want to wait 60 days I want my money back now. I will be stop using Wells Fargo once I get my money back worst bank I have seen! I will continue to be annoying and open multiple claims against Wells Fargo until I get my money back! And I also requested a call back for XXXX weeks now and still havent got a call back. And every time agent get assign to me they give me a fake number and dont even answer!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting XX/XX/XXXX there has been over 150 transactions that Wells Fargo allowed a company to withdraw funds from my account into an account that I did not create nor did I authorized, I do not have an active account with this merchant.I contacted the merchant first is due to the fact that companies can not allow a transaction to be posted if the information such as the name on the card or bank account do not match the name on the company account that the money is being deposited into. first things first I reached out to this merchant they informed me that there has not been a deposit made into my account since XX/XX/year> and that there is nothing they can do about the transactions that I do see on my bank account. Meaning Wells Fargo was allowing these unauthorized transactions to continue to this merchant! so I proceeded to contact Wells Fargo, I informed them of the situation and then they put me on hold after creating a claim. Once I got to a claims agent, they said that they were gon na look into it and that they're still pending transactions and so they can not start the investigation yet so this is quite frustrating. they did cancel that card and said that they will be shipping me a new card after the damage was done. The upsetting part regarding this, is this isn't the first time that Wells Fargo has allowed such things to occur, six to seven months ago back in XXXX. me and my wife both have an account with Wells Fargo her as a XXXX and me as the XXXX XXXX XXXX it's just quite frustrating since our biweekly are directly deposited to this bank and then saw my bonuses and so the fact that funds are being just withdrawn without even a notification is quite frustrating. I've gotten several text notifications when small other transactions, but yet consistent transaction that has occurred for over now two months was not. Flagged is just frustrating. I was hopping that they would do their due diligence to make sure that no unauthorized transactions especially from accounts that don't match my name, nor phone number or email on it will be processed, the fact that I had to reach out to them after over 150 transactions were already processed is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I contacted Wells Fargo regarding a cash deposit that was made before their cut off time. They did not honor their grace period, nor my same day deposit and posted my deposit the next business day. Consequently, I was charged an overdraft fee of {$35.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I'm the executor for my sister who passed on XX/XX/XXXX. I have personally handed the death certificate, copy of the will, Power of Attorney ( when she was still alive ) and all other Wells Fargo forms they requested by them. Each time I gave them what they requested they would hand me another form to complete. Did not give me all the forms at once. This happened several times during the month of XXXX. It started to get worse when I had my last conversation with XXXX XXXX on XXXX / XXXX XXXX. I had made XXXX trips to the W F office, dropping of documents, prior to her death. When I was on the phone with him telling him if my sisters passing, and asking for some information, he chuckled and said that he could not deal with me anymore only the Beneficiaries. He said paperwork that I submitted to this point was no good because of her passing.. I went off on him asking why he thought this was funny? Since then I have been trying to guide the Beneficiaries thru this process and have gotten no where to this day XX/XX/XXXX. Their office is about XXXX miles away from me. Anything that they gave me to fill out or needed I personally drove there and handed it to them. There are XXXX Beneficiaries and they use the U S mail as one is out of state and the other XXXX are in state. I also spoke to a XXXX XXXX, who is a branch Mgr there, and got no where. In short I was told they never received a death certificate, which I personally handed to them. Gave them a copy, which they said was ok, and last week was told it was no good. They said that they did not receive proper paperwork from XXXX of the Beneficiaries when both were mailed at the same time. Paperwork had to be redone and sent. Was told nothing could be done until all paperwork was completed together. Once that was done XXXX stated that she forgot another form that needed completion and that would be sent out but not until she came back as she was out of the office for period of time. XXXX stated also that she just got the " lost '' form from the beneficiary. This is going to be 5 months since my sisters passing and we are no where. This branch is demonstrating that they are unorganized and unprofessiinal. My feeling this is being done deliberately because of my last conversation with XXXX XXXX. I can't see any firm being run like this and be successful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A