Date Received: 2024-01-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Wells Fargo Bank OFFERED me a credit card on or about XX/XX/23. Then immediately denied it. based on inaccurate information that they, Wells Fargo Bank are reporting to credit agencies. I've requested a validation of debt and they have refused to respond. this is a violation of my rights to consumer credit. 12 CFR 1002.4, 12 CFR 1002.7, 12 CFR 1022 ( v ) 15 USC 1602 ( p ) 15 USC 1692 ( g ) 18 USC 8 15 USC 1602 ( o ) Ohio Admin. code 3901-1-55 FCRA 15 USC 1681 15 USC 1691 ( c ) 15 USC 1692 ( f ) 15 USC 6802 15 USC 1602. 31 USC 3123 15 USC 1611 TILA 15 USC 1601 Title 15 ch. 41 all 15 USC 1591 ( c ) 15 USC 1692 ( k ) Wells Fargo Bank is reporting two different charge off ( s ) to the credit reporting agencies. When a charge off is income., to which I've never recieved the 1099c to report on my end. this has become a hardship for me. i am unable to provide properly for myself, family and household.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: Originally purchase home with Wells Fargo XX/XX/XXXX loan was interest only.i put $ XXXX as a down payment. I was a XXXX moving to a new area and was told I would be able to refinance the interest only loan once a job was established, even though I had been a XXXX for 7 years at the time. I was denied despite multiple attempts. I sent my monthly budget as requested for months. They constantly changed the terms of qualification resulting in a foreclosure XXXX XXXX XXXX My credit was destroyed for XXXX years and it was a huge hardship on me and my XXXX children. My phone number is XXXX, I am unable to edit the typo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I am writing to you today because I do not know where to turn for help. We are in desperate need in obtaining our money back to pay our rent that was due XX/XX/year> because of the incident below : My husband allowed our son to play on his tablet. My XXXX, who is XXXX XXXX XXXX and XXXX purchased {$10000.00} in XXXX XXXX XXXX and XXXX is refusing to credit us. My autistic son got hold of my husbands passcode to make the purchases but he never used any of the downloads. Frankly, our XXXX son did not know he was causing any harm. I was on the phone with XXXX on XX/XX/year> for XXXX hours trying to explain the situation and they said the maximum they can credit us is {$800.00}. They said to dispute it with our bank, Wells Fargo. My husband and I have reached out to Wells Fargo since XX/XX/year> and as of XX/XX/year> they said they denied the claim. The escalation team said " no '' they did not approve it. When my husband asked Wells Fargo what the criteria was for rejecting or accepting the claim, they said they would not answer that question. We, of course, gave the bank full details about the issue that our son, who has XXXX, purchased these charges erroneously. Our son does things repetitively. So when he clicked the button and saw numbers, he simply thought it was a game so to speak. Our son loves numbers so the higher the number, in his eyes the better it is. He takes pictures repetitively, he speaks repetitively. I don't know what to say except we can not pay our XXXX rent nor put food on the table. This is heinous. Big banks and Big Corporations such as XXXX just want to squeeze the money out of the consumer. I am sickened. I have the denial letter if you need me to upload it. The claim # is : XXXX and their reason for denial : " They didn't find any evidence of wrong doing. '' So, they basically took our money and accepted the charges as is. Bottom line, Wells Fargo and XXXX won't take any action to give us our money back. The claim is for the amount of {$10000.00} Please, can you help us? Sincerely, XXXX XXXX and XXXX XXXX ( XXXX and XXXX to our son, XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear CFPB, I trust this message finds you well. I am writing to bring to your attention the matter regarding a claim made on XX/XX/. Upon thorough investigation by the bank, it has been determined that there was no error detected on their end. However, I would like to draw your attention to a discrepancy observed during the transaction in question, supported by an eyewitness account. The incident involves a payment to XXXX XXXX XXXX XXXX XXXX movers, wherein the agreed-upon amount was {$780.00}. Regrettably, only {$480.00} was received by the movers. This occurrence was witnessed by the movers themselves at the automated teller machine ( ATM ). It has been acknowledged that there exists a deficit of {$300.00}, which we are committed to rectifying promptly. In the course of discussing this matter with a representative, a brief hold was experienced to review the claim thoroughly. Subsequently, the representative affirmed the validity of the claim. We appreciate your attention to this matter and kindly request your assistance in addressing and resolving this discrepancy at your earliest convenience. Your prompt attention to this matter is highly valued. Thank you for your cooperation. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX made two Wire Transfers to Wells Fargo from my XXXX to my Wells Fargo Account. XXXX claims that Wells Fargo is holding the funds from both Wire Transfers but will not send it back to XXXX as requested or acknowledge that they have received the funds. Wells Fargo will not provide a phone number or contact to discuss this issue. XXXX is refusing to provide tracking Documents to support the status of the Wire Transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: During the first quarter of 2023 I was in a terrible car accident, then robbed of many important documents and valuables while I was recovering in the hospital that left me incapacitated for several months and unable to access my phone or work accounts. Upon healing and getting a new phone and attempting to login to all of my personal accounts, my banking app was reflecting a negative balance within the account. Prior to my accident all bills and costs were processed directly from this account and were set on auto payment. Throughout this time where I was in the hospital and healing medically, with no phone or computer access, someone/something gained access to all of my accounts and began to transfer money to various XXXX accounts and taking money from savings and transferring it to ATMs and making deposits and purchases to several other online businesses. Once I was able to gain a new phone and access to the banking application, I noticed the balance was below XXXX. For the past six-eight months, over a series of hundreds of transactions the account was negative and missing more than {$20000.00} dollars. My account was systematically drained of all of my savings and checking funds leaving negative balances for both. Also, the credit card was overcharged past the limit, a flex loan was taken out as well and is now in poor standing. I filed a complaint and spent XXXX hours on the phone going over hundreds of charges from XXXX XXXX current and then was spoken to by a man that interrogated me and ask me the same questions multiple times in some attempt to treat me as the criminal which was frustrating and insulting. The claim denied a few days later citing that they found no indicators of fraud because someone logged into my online account during the fraud timeline. That was their proof or indicator of no fraud and that either myself or someone I authorized made each purchase and transfer over that time frame which I told them that was impossible and no one has my permission or access to the account with my knowledge. They still denied it citing I need to send additional documentation to reopen the case, I also got it escalated to the legal department so I am hoping that this appeal and the legal team looking at it, that something will happen soon. Not to mention that the same fraudster had opened a plethora of personal loan to my account and stopped payment to credit cards and other billing transactions that have put me behind with my own loans, and credit card bills, in addition to taking out high interest loans and depositing them in my account then setting the account to pay weekly, no-weekly, and monthly payment plans to bogus loan companies that I have no control over or recourse as of this moment because Wells Fargo refuses to restore the funds that were taken from me. Please help, I have opened a new bank account but this ordeal has put me in financial ruin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I was charged over {$2000.00} dollars a month for flood insurance. When I called to their attention, it only cost {$900.00} a month, they charged the amount charged.. How do I find out how many months I was over charged???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I lost my source of income in XXXX. I have XXXX bills and a roof to keep over my head. I am experiencing an hardship at this point. I have requested for WellsFargo to place a pause on my account temporarily until I regain employment. I was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX XXXXXX/XX/year> XXXX charges were made on my credit card ( one for {$99.00} and two separate charges for {$290.00} ) from XXXX XXXX XXXX XXXX and I was immediately notified from Wells Fargo that it was potentially fraud. They contacted me through text message asking if I had made these charges and I immediately responded no since I had never heard of the company nor authorized the charges and they immediately froze the account and issued me a new card. About a month later, they contacted me saying as a result of their investigation they were unable to confirm fraud even though I have the screenshot of the text message where I said this was not me who made these three charges and that they were completely unauthorized and a police report that I have since filed. I have paid off all remaining debt that I had on that card except for those three fraudulent charges which is now being investigated for a third time since I had them reopen the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A