Date Received: 2024-01-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have received 3 letters from Wells Fargo addressed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. Two letter written on XXXX were same. I have decided to file them because of the suspicion of fraud. The logo marks were black, even though other 5 letters from Wells Fargo XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( XXXX XXXX XXXX XXXX ). Also, these 5 letters from XXXX XXXX have the barcodes and scan codes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX XXXX a scammer made an UNAUTHORIZED withdrawal of {$2500.00} from my checking account after accessing my information without my consent. Today, I got a message from the company claiming the purchase was authorized. THE PURCHASE WAS NOT AUTHORIZED. Their representative XXXX failed to explain anything. This is unprofessional and unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I wan na say it was between XXXX when my account was closed. I was forced to close my account for overdraft fees all the time I wasnt sure how I kept getting the overdraft fees. I would get paid by my job and somehow Id be paying back fees that I wasnt aware of. I was also still receiving emails and letters once upon a time about resetting my password but the account was supposed to be closed. I was sent money in XXXX for the hurricane and some how my money ended up going to that account I had to call wells fargo to send me the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I realized the morning of XX/XX/2024 that a payment for {$3200.00} had been initiated out of my checking account to a XXXX XXXX XXXX account # ending in XXXX, XXXX Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX in the name of XXXX XXXX. I did not set up nor authorize this payment. I immediately went to my local Wells Fargo and requested that this payment be stopped and a fraud investigation be started. Wells Fargo advised me that the payment was pending and that they could not do anything until it posted. The next day, the payment posted. I asked Wells Fargo again to stop the payment and investigate it. On XX/XX/2024 Wells Fargo sent me a letter telling me that they would not investigate the matter farther, that I had in fact initiated the payment. I then went back to Wells Fargo and asked about the transaction. They told me that it was indeed initiated by me from my " location ''. I asked what location that was and they said " my location '' and they were not going to investigate it any farther. The Wells Fargo employee also told me that they were not going to contact XXXX, nor were they going to assist me any farther. The employee at Wells Fargo that I have been dealing with is XXXX XXXX at the Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I did not authorize nor request this payment to be made. As a result of this theft, I have not been able to pay my own personal bills and this has left me with a financial hardship. Wells Fargo close my account and issued a new checking account. The old account number is XXXX. I do have a new account number now. I have filed a Fraud/theft police case number XXXX with the XXXX XXXX Police Department XXXX XXXX, Records XXXX, Detectives XXXX. Even after filing the police report, Wells Fargo has said that they will not assist me in recovering my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: As Trustee for my grantor, I asked Wells Fargo to provide me with the documents including the promissory note and security agreement regarding the property they filed a lawsuit on my grantor. They responded with an acknowledgement letter but never responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX, my Wells Fargo ATM card was compromised. I notified WF within the hour of this occurrence and requested that my ATM card be cancelled and a new one issued. After waiting over a week for a new card and not receiving one, I called WF to ask where it was. I was informed that a new card hadn't been ordered. I was concerned about my account being vulnerable but was told not to worry because my account had been frozen. WHAT?? I hadn't asked for that, and I have most of my bills on automatic payment. I told them to unfreeze my account, cancel my ATM and send me a new one. Which WF did. I thought all was well, my bills were paid in XXXX and XXXX. On XXXX, I paid my 2 XXXX credit card balances. One card is due on the XXXX, the other on the XXXX. A week later, my XXXX dXXXX XXXX XXXX XXXX was declined. When I called XXXX to inquire why, they told me my account had been closed. WHAT?? I had paid my accounts early, so why was it closed? XXXX told me they had tried 3 times to collect from WF and was declined, so they closed the account. I won't go into how infuriated I was! XXXX didn't contact me that they closed the account, I could have paid the balance with a XXXX XXXX account. But my issue is with WF. I called WF to find out why my XXXX card wasn't paid and was told that my account had been frozen. WHAT?? I had neither consented or was notified that my account had been frozen. I couldn't believe it! I asked why it was frozen and COULDN'T BE PROVIDED AN ANSWER! I was transferred multiple times and explained my situation multiple times to different WF personnel but still couldn't be told why my account was frozen. One guy suggested that my account wasn't properly reopened in XXXX, so it was again frozen. WHAT?? I have spoken to no less that 10 WF employees and STILL haven't been given an explanation. I have been contacted by WF by phone and letter that my account was frozen last XXXX because my ATM was compromised. I KNOW THAT. Still nothing about XXXX. WF sent me a mediation form and I filled it out and was contacted by phone this morning by a WF mediator and after I told him my situation, he said that my case doesn't really fit into his department. He deals with fraudulent accounts or activity with WF. SO, I STILL don't have an answer. I even went into a branch and spoke directly with a banker and she couldn't figure it out. XXXX asked for a letter from WF stating that my account was frozen not by my direction. In other words, the denied payment to XXXX wasn't my doing. WF refused to give me such a document. I decided I didn't want to do anymore business with WF so I closed my account on XXXX or XXXX of 2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2023 I disputed account through CFPB Complaint # XXXX - XXXX asking to verify or delete this debt that is stating negative on Credit report as I do not recall having. Company responded on XX/XX/2023 with a letter that says that information provided does not match or corresponds with their records. Now, it's asking for personal info. If account is mine company should not need to ask for my personal info as they should already have it. Letter received does not verify debt for that reason I ask that account gets deleted now. I have attached copy of current credit report and response letter that was sent by creditor to further assist along with CFPB complaint #. Email or mail are the best ways to get a hold of me unfortunately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50158
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my wife and I went to XXXX to see XXXX. While there I used my Wells Fargo Visa card ending in XXXX. A few days after this trip I received an email from Wells Fargo stating that I was over limit. I pulled the account up on the web and notice many charges that I didn't authorize. I called Wells Fargo 's Fraud department and the rep and I went over the fraudulent charges. The rep said they would file a case and create a new account. A few days later all this happened. However, two new charges appeared on my account ( XXXX - " XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX XXXXXXXX - " XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} ). I called Wells Fargo 's fraud department again that these charges where not made by me and they proceeded to create another case. I waited several weeks and after hearing nothing I called that department again asking what was happening. To my surprise the rep said the rep I spoke to previously had mis understood my request and put in a claim that my card application was fraudulent and they determined the application was correct. I was completely shocked and restated my previous claim that the two charges were fraudulent. During the call, as the rep was creating a new claim to replace the incorrect one, I asked why they had credited my account for charges from the same, " XXXX XXXX XXXX vendor made on XXXX and XXXX yet had not credit the charges on XXXX and XXXX? The rep said because they appeared on the account after the original case and 'came in ' later. I became fustrated and said I had no control of when fraudulent charges hit my account. The rep assured me the new claim/case would fix the situation. A few weeks after filing the last case I received a letter stating, " We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you ''. I am completely shocked! I never made these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I sent Wells Fargo an acceptable payment according to their credit card agreement. I sent an irregular, conditional, partial restrictive language, paid in full payment according to their card agreement. I mailed the letter with instructions how to apply the credit. I was told by the Executive Team of Wells Fargo that it was a debt scheme. I also recorded the call. They refuse to honor their credit card agreements. I let their agent " XXXX '' know this wording is in every credit card agreement in the United States so that means this is law. She said the only form of payment they will accept is from a XXXXXXXX XXXX. I asked for the Arbitration address to send to them, she provided. I advised her she needs to consult with legal, she refused. Not only have Wells Fargo violated their credit card agreement, but they've violated their prospectus to the SEC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was recently involved in a credit card fraud with my Wells Fargo XXXX credit card ( XXXX ) for 4 unauthorized transactions ( {$5000.00}, {$3000.00}, {$1000.00}, {$3000.00} ) on from XXXX XXXX XXXX XXXX CA posted to my account on XX/XX/XXXX totaling {$12000.00}. I was denied my claim and now am filing a complaint with the Consumer Finance Protection Bureau. On XX/XX/XXXX at XXXX I received a text message from the number " XXXX '' with the message " FreeMsg : Please reply Y if you recognize {$3000.00} @ XXXX XXXX XXXX {$1000.00} @ XXXX XXXX XXXX from XXXX XXXX XXXX. Else reply N. STOP to stop msgs. '' I almost immediately replied " N '' and then received a confirmation message stating " FreeMsg : Thank you for your reply. The card has been blocked for security. Call XXXX immediately. STOP to stop fraud alert msgs ''. Following the advice of the message I call the number at XXXX and reported the fraud, the call lasted 9minutes. I was shipped and new card which I activated via Wells Cargo supported and began using. On XX/XX/XXXX at XXXX I had a missed call with a voicemail from Wells Fargo Fraud Team . They called me again on XX/XX/XXXX at XXXX for 2minutes where I confirmed my fraud and re-stating my story. On XX/XX/XXXX Wells Fargo Claims and Recovery Credit Card Fraud Claims sent me a letter stating " We found that no fraud occurred ''. I was away travel so didn't not see the letter till XX/XX/XXXX when I call there support at XXXX for 24minutes where the there support team which told me I can submit further evidence via fax only at a local Wells Fargo branch to further my claim with proof. On XX/XX/XXXX based on Wells Fargo Support recommendation I went the the Wells Fargo branch located at XXXX XXXX XXXX, XXXX XXXX and faxed : 1. A credit card statement from XXXX showing a transaction of {$15.00} on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX XXXX. 2. A text message screenshot and phone log screenshot asking if I recognize the unauthorized purchases to which I replied N and immediately began the process of calling customer support to start the fraud claim. 3. An interview email confirmation sent to me on XX/XX/XXXX from XXXX for a scheduled virtual XXXX interview which took place at my residence in XXXX XXXX on XX/XX/XXXX at XXXX ( PST ). 4. Timestamps from an interior camera at my residence showing my girlfriend, our pet cat, and me at our residence in XXXX XXXX on XX/XX/XXXX. A screenshot from every hour of the day is shown ( XXXX ). Wells Fargo sent me letter confirming they are " continuing the research of possible unauthorized use of your credit card account ''. On XX/XX/XXXX Well Fargo sent me a letter stating " the disputed charges on your credit card account are valid and appear to be authorized by you. Upon receiving the letter I called Well Fargo on XX/XX/XXXX at XXXX for 15minutes where they recommend I open a police report and submit that as further evidence. I told the representative I will be opening a complaint with the cfpb and faxing them the police report. On XX/XX/XXXX at XXXX I filed a Fraudulent Use of Credit / Debit Card Police report with the XXXX XXXX Police Department ( currently pending case number ). I have attached all the referenced documentation, and can provide full video evidence if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A