Date Received: 2024-01-25
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Wells Fargo services my mortgage, I like to keep a couple of payments ahead, so I am paying my mortgage a couple of months in advance. The other day, I received a bill from Wells Fargo that I was pass due on my loan, and owed late charges. I then called Wells Fargo and explained that not only was I not delinquent, but I was paid through XX/XX/XXXX. They then pulled up my account and noticed the payment I made on XX/XX/XXXX which clearly states on the check it is for the XX/XX/XXXX payment was posted by Wells Fargo as principal payment only. Thereby not posting my XX/XX/XXXX payment in full! Making it look like I never paid my XXXX bill. So I asked them to repost that XXXX payment correctly and bring my account up to date through XX/XX/XXXX, and drop the late charges because my account was paid in full through XX/XX/XXXX. They declined, stating it happened more then 90 days ago, and it was Wells Fargo policy not to correct it, if it happened more then 90 days ago. They then said I would have to make a new XX/XX/XXXX payment in order to bring my account current. So I am end up having to make XXXX XX/XX/XXXX payments. I asked to speak to a manager, the first thing the Manager told me is she could not help me, because the mistake had been made more then 90 days ago, and it was Wells Fargo policy not to correct the mistake if it happened more then 90 days ago. I then asked how this mistake could happen, the check clearly stated in was a payment for XX/XX/XXXX, how could Wells Fargo post the entire check to principal, and not post it for the XXXX XXXX. She claimed it was the fault of their software, if you make to many payments in advance their software decides to post the payment to principal, and not post the payment as a regular payment. Once again, by making me make XXXX monthly payments on my account, to cover XXXX monthly payment puts financial distress on me, when this could have been corrected by going back and correcting the error made by Wells Fargo, and posting the payment correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX, was supposed to consolidate my student loan. They charge XXXX XXXX and then took XXXX more without my consent from my bank account. And never got my loan consolidate. Never send me anything. I call my student loan gov and said it must be a scam because never got o receive anything. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX my checking and credit account were closed by Wells Fargo due to fraudulent activity. I reported fraud and was a victim of fraud so Wells Fargo closed my account. I still had an unpaid balance due on my credit account. When my account was closed I was unable to make payments online through the app. As a result, I tried to make payments through the phone and was told by the representative that they could not access my account because it is closed and I would have to go in person to a branch to find a way to make a payment. I went to the branch in XXXX XXXX, CA and was essentially told the same thing that I was unable to reach this closed account. I continuously tried to find a way to reach my closed account and make my payments both in person at branches and over the phone but unfortunately was denied. The unpaid balance kept weighing on my credit account in which I eventually disputed and it was removed but now after time it appears on one of my credit reports again ( XXXX ). Can I please have this removed from all credit reports as I was a victim of fraud and should not be penalized via my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/year>, XXXX exact transactions of the same amount were transfered from my checking account to a bank in XXXX. I called wells fargo that day to report the claim, canceled my card and they still authorized the money transfers XXXX days later, even through the card was deactivated. I Contacted wells fargo a month later and they denied the claim. I did not authorize these transfers, my debit card information was stolen off a website we assume. Wells Fargo claims I authorized these but its very obvious that it was fraud to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am seeking resolution for several unauthorized transactions on my credit card, which I are fraudulent. The transactions in question are as follows : XX/XX/XXXX : XXXX XXXX - {$430.00} XX/XX/XXXX : XXXX XXXX - {$390.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX XXXX {$320.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX - {$320.00} Upon receiving an SMS/TXT alert from Wells Fargo regarding unusual activity, I immediately responded confirming the fraudulent nature of these transactions and requested immediate cancellation of my card and issuance of a new one. While the card re-issuance was provided, my initial claim was denied with the rationale that the card was in my possession, implying the transactions were made by me. This is incorrect, as I did not authorize or conduct these transactions. I escalated the issue, and was assured of a response within XXXX hours, which did not occur. Upon follow-up, I was informed of an additional XXXX business day waiting period for the resolution of my escalation and the re-opening of my claim. This delay and lack of communication have caused significant concern and inconvenience and cost. I urge a thorough investigation into these transactions and request a timely and fair resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX XX/XX/year> I received a text that appeared to be from the XXXX. It claimed I owed {$9.00} on a package. Since I coincidentally had an outstanding package, I clicked the link and attempted a few times to pay. I repeatedly got an error message that the card was not working. After the third attempt, I searched the XXXX website directly and found the page I was on to be similar, but not exact. I knew then it was a scam. I never received a confirmation or receipt, so I figured I was in the clear. On XX/XX/year> I saw in my XXXX XXXX account that there were XXXX {$9.00} international transactions fees and XXXX {$300.00} transfers to Revolut in XXXX. I certainly did not approve or authorize those transactions. I contacted XXXX XXXX and the claim was denied. I have requested the paperwork on that decision. Revolut will not work with me unless I have a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo is double charging me overdraft fee for the same items
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I did a balance transfer and no fee or no interest for a year and a half balance transfer. However, it is a credit card I used a credit card six more times to purchase incidentals now according to the customer service I must pay interest on everything I have accumulated probably {$43.00} in fees in the last XXXX months or interest, even though I paid my incidental charges off plus additional money to lower the balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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, I checked my email and saw that I had been sent Fast Pass tickets from XXXX XXXX XXXX XXXX. I immediately called Wells Fargo to report the fraud. They closed out my card and sent me a new one. In XXXX ( I don't remember the date ), the charges of nearly {$780.00} were added back to my card. When I called to see why, I was told that they were added back because I had authorized the charges. I emailed XXXXXXXX XXXX XXXX XXXX and was told that they felt like my email account was hacked and that they did not check that the person who purchased the tickets had my card or an ID even though their printed policy specifically states that they do that. I faxed this information over to Wells Fargo and had to do so twice because the first was " lost. '' I sent another fax in XXXX and was told that this one was also not received until I mentioned that I sent it from a branch. They were able to find it then. Despite XXXX XXXX saying that they did not verify the identity of the person who made the purchase and despite XXXX 's agreeing with me that email account had been hacked and despite the fact that the tickets were purchased from a computer that is in a completely different city from where I live, Wells Fargo still concluded that I authorized the transactions because XXXXXXXX XXXX XXXXXXXX XXXX said I did. Once my direct deposit from my job hits at the end of the month, I will be finding a new place to do my banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : WELLS FARGO : Account # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93245
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A