Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Wells Fargo checking account on XX/XX/2023 under a {$320.00} promotion. I met the qualifications on XX/XX/XXXX. I received the recommendation to open from someone I know and their promotion posted several days after the 90 days. I have several friends that have opened under this promotion as well and it's always a few days after the 90 days. I called customer service the first week of XXXX and they told me the promotion was attached and it was in pending status. After it not posting, I have made multiple attempts at communication to resolve the problem with no success. I have tried social media, emails, phone calls, and noone seems to resolve the issue with a credit. Also, I opened the account online and for some reason the system accidentally opened XXXX accounts. After calling customer service, they said this wouldn't be a problem, they would just close the XXXX and it wouldn't affect the bonus. They told me they go by the 12 month mark from when a bonus was last received, not the closing date and assured me everything would be fine with the bonus. I would just like my account credited for the {$320.00}, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, XXXX phone was stolen and the thieves were able to access my online banking and gmail. I called Wells Fargo first thing the next day and asked to have my online access XXXX. When I started receiving overdraft notifications I visited XXXX at my XXXX XXXX branch and learned that access was never XXXX. Multiple money transfers were made as well as a XXXX fraudulent check being deposited. Wells Fargo made it impossible to open a new account by reporting me to XXXX XXXX. Despite multiple attempts by XXXX, the personal banker, nothing has been done to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/year>, I, XXXX XXXX, made a mobile deposit for a check amounting {$2400.00}. I receive this check monthly for same amount and have made this mobile check deposit in my checking Wells Fargo account in previous months. However, on XX/XX/year> Wells Fargo took the money out of my account and gave to someone else. I immediately connected the bank and informed them of this error. Wells Fargo informed me that someone has cashed my check into another Wells Fargo account and since the deposit was made in person, Wells Fargo will honor the in-person deposit and will not give me my money back. After contacting Wells Fargo again multiple times and I reopened my case and informed the bank that I had ripped my check and trashed it after 5 days of my mobile deposit. I also mentioned that the fraud person must have taken it out from the trash and deposited it. Wells Fargo agreed to refile the fraud claim. On XX/XX/year> I received a letter, attached below, about the denial and resolution to my case. I contact the senders bank, as suggested by Wells Fargo. However, the senders bank informed me that the money was distributed to Wells Fargo checking account in my name, XXXX XXXX, and I would have to contact Wells Fargo for reimbursement since the senders bank has no legal grounds to proceed this case. I reached out to Wells Fargo for the 10th time and they reopened my case. I also added the detail in my case regarding the forged signature in the picture of the check, attached below. I have since contacted Wells Fargo about 12 times trying to get some information. On XX/XX/XXXX, the agent on the fraud claim department informed me that Wells Fargo has denied my claim again, and advised me to open a police case regarding this matter. I have since requested for the reason of my denial and I haven't heard from the bank yet. The agents informed me that the information can only be given by certain department and I won't be able to contact them and have to wait for them to contact me. I have been waiting for the response for past 3 months. I have also opened a police case. The detective on my case, XXXX XXXX ( Ph no- XXXX ) mentioned that he tried to contact bank regarding the information on the fraud claim and they immediately denied his request and asked for subpoena. The detective told the bank that he can get the court to email them the subpoena but the bank refused to give an email address and asked to subpoena be submitted in person. The detective then asked for an address or person to submit the subpoena and the agent mentioned they don't have the information as of right now. So here I am, requesting CFPB to intervene and help me get my money back from the fraud. The Wells Fargo clearly doesn't care for their customer and have violated my rights as a consumer to obtain my funds. Wells Fargo is not offering any help or solution to this matter. All the agents I have spoken to so far agree that this is fraud and should be easy to resolve but when the claim is reached to the department heads they deny my claim and refuse to give my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Short story : I am an XXXX XXXX XXXX woman who had to move when I became sick. I am contacting the CFPB because Wells Fargo Bank has still not issued a refund on a cashier 's check that has already been confirmed to not have been cashed. It has been 8 months since the check was issued and my daughter ( the secondary on the account ) and I have spent so much time on the phone with Wells Fargo and it feels we are no closer to getting a resolution. Full story : I became very sick and hospitalized where I lived in XXXX, WA. So my daughter came and helped me move to Michigan where she lives and can help me. On XX/XX/2023 she and I went to the branch office of Wells Fargo bank closest to my old apartment ( XXXX, WA ) to close my account before moving to Michigan ( where there are no Wells Fargo banks ). I was able withdraw the funds in my account as a cashier 's check. I was told, however, that we could not close the account there, that we would have to go across town to another branch or try to close the account by calling a phone number they provided. Our flight left the following day and we did not have time to go across town. After several phone calls tand hours of her time, my daughter finally managed to get the account closed around XXXX. In the meantime, in moving I lost the cashier 's check that the branch office had issued to me on XX/XX/2023 for more than {$3000.00}. I went to my new XXXX XXXX in MIchigan to deposit it, but found I only had the top portion of the cashier 's check ( the receipt portion ). My daughter and I called the branch office in XXXX where the check was issued. We were told that to get a refund we would have to fill out paperwork, have it notarized, and then send it back to the branch office. We did all that around XXXX and did not hear back from anyone. My daughter called WF again around XXXX and was told that the check had not been cashed, but that nobody at the branch office knew how to refund the money without me coming into a Wells Fargo bank. I explained that there were no Wells Fargo banks near us ( none in XXXX or even Ohio ). We were told by the branch office that they needed time to look into another way to get the money to me. By XXXX they had still not gotten back to me. When I called in XXXX the branch office said they still had no way to re-issue the cashier 's check without me coming into a Wells Fargo bank. I asked that my case be escalated. Within a few days I received an email that my case would not be considered for escalation. Called again. After several phone calls and literally HOURS explaining the case, XXXX person told me that she would be able to get a check re-issued. She told me that she would transfer me to somebody to take my address. I was sent back to the beginning of the voice mail. Finally was able to talk to a person, who told me that whoever I talked to was wrong, but said she would escalate the case and we would have a respone within a few days. More than a week passed. I called back and left a message. I was contacted by a person named XXXX who said she would be handling the escalation and said she would need time to investigate. Some days later she called back and had several details incorrect. She also said that the first step to take would be to issue a cancellation on the check and to make sure that it had not been cancelled. I explained to her at least twice that I had already done that, sent the materials to the bank, and that they had already verified that the check was not cashed. XXXX said that there was no record at all of that and we would need to send paperwork again to the branch office. I verbalized my concern that we had already done that and that the branch office had been unable to help us. XXXX sent the paperwork by email and my daughter is struggling to download it. I am asking for assistance because this has been nothing but a nightmare. I need my money back and I am afraid that they are waiting for me to die ( I am on XXXX ) or for enough time to pass so that they don't have to pay me back. I will continue to try to work things out with the bank, but I have little hope in that. I hope your agency can help me to get a refund on that cashier 's check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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: XXXX Case Number XXXX Wells Fargo Bank XXXX XXXX. XXXX XXXX via XXXX XXXX issued through Wells Fargo XXXX # : XXXX Network : XXXX XXXX ID : XXXX ARN : XXXX Retrieval Ref # : XXXX Bank 's customer issued a fraudulent statement about having contacted me to cancel his non-refundable subscription. Customer disputed charges via bank. In the dispute bank issued non-working contact details. Email address XXXX is non-functional. Wells Fargo Customer service refused several times to put me through someone dealing with this case. Fact is, bank 's customer signed up to a subscription service, customer even admitted ( submitted as evidence to bank ) that he didnt know it was a subscription service, that things were cleared up after he reviewed the terms of services which clearly state several times that this is a non-refundable subscription service. Bank 's XXXX system does not allow for correction or resubmittion of newly found evidence that came to light after the submission of evidence. Bank of Wells Fargo received several emails to a publically available email address with the expressed instruction to forward the case ( dispute case and details were attached via PDF ) but failed to follow through / follow-up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX my vehicle was repossessed after marital issues and non payment. The debt was incurred by me in the divorce decree and I never received any notice of deficiency. In XXXX, Wells Fargo report a 1099-C to the IRS and I unknowingly did not report this as as income. The deficiency is for over {$9200.00} dollars and had huge tax ramifications at federal and state levels with penalty and fees the unpaid taxes are now toppling XXXX XXXX dollars. I was never notified about the deficiency and given an opportunity to challenge the outrageous deficiency for a used SUV at the time. These were high demand vehicles and the sale price was 40 % less the market. Wells Fargo was terrible to deal with and I had always contested that they weren't legally with in their means to repossess the vehicle at the time. I reached out to them to about the CFPB ruling and some relief in regards to what everyone agreed was outrageous behavior to consumers. The representative basically belittled me to being a XXXX and couldn't beleive I was asking for them to address a contractual agreement from years ago after knowing that I was unable to make the payments. Wells Fargo the sent letters of notification of unpaid balances, these were construed over 6 months and were utilized as legal notification even the the balance was repaid during the period. which should have directed them to again give notice and my right to cure. they did not and there is no record of the letter I wrote asking for this to be performed in a civil court matter before the car could be repossessed in Wisconsin. This bungled my balance and the late fees incurred. After multiple attempts to recoup the vehicle, all communications went dark until XXXX exactly 4 years later, when they unbeknownst to me defined the deficiency to the IRS. All this said, Wells Fargo representatives knew they were braking the law and utilized deterrence and legal rambling while screwing over the little guy who had no means to address these practices within our legal system. Almost 15 years after one of the worst purchases of my life, I am continuing to suffer financial damage from this bank and now the IRS, and the XXXX XXXX XXXX XXXX. I am thinking after all the penalties and interest, I have probably paid for XXXX vehicles. For any goverment agency to defend Wells Fargo business practices over tax payers is mind-boggling. Please tell me how to defend the XXXX class citizens from this irrefutable corporate greed and it's perpetual financial demise of our citizens. All 1099-C that Wells Fargo should be reviewed for correctness and the resubmitted to the IRS, the CFPB should also charge Wells Fargo for any of the penalties it leveraged over taxpayers knowing the bungled accounting and procedural deficiency Wells Fargo has admitted to. XXXX XXXX affect that this purchase has had on me financially will never be recovered. All while they continue to blur the legal lines of contractual law. I would love to paint this picture of my demise to any regulatory board all while these banks make record profits and are bailed out as to big to fail. My current balance of legal debt because of this illegal 1099 and the state and federal fees I over XXXXXXXX XXXX even after a bankruptcy to try and eliminate the liability. For WF representatives to talk to anyone like they did to me, after all they have done shows the complete lack of remorse and quite literally laughing all the way to the bank when addressing the CFPB requests for relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wells Fargo Bank continues to keep my life in financial ruin and my mom has been allowed to have total control over my credit report and my mom has been falsifying probate court documents for the obvious gain to keep opening fraudulent loans for which I have to be responsible for. Well over {$5.00} XXXX if you include the closed Treasury account and my us savings bonds and my federal direct student loan and unemployment insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XXXX XXXX XXXX involving my Wells Fargo account. On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. In response to this incident, I promptly reported the fraudulent activity to their customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. As a loyal and long-standing customer of Wells Fargo XXXX XXXX have entrusted the safety and security of my financial matters to your institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. Despite numerous complaints with the CFPB and Wells Fargo they will not prove to me that they were not involved in this fraudulent activity. I am told by Wells Fargo that they were not involved but offer no proof. Thank you for your understanding and cooperation in resolving this matter promptly. I eagerly await your response and a satisfactory resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with XXXX XXXX XXXX. - XXXX XXXX XXXX XXXX, [ XXXX XXXX attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. XXXX. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXXXXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. XXXX. XXXX*Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. XXXX. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against TransUnion by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX someone used my phone without my consent and sent them {$2500.00} to themselves. I did not know about this until my bank notified me via email of the purchase ( same day ). I filed a dispute claim through XXXX and through Wells Fargo immediately, as this was an unauthorized transaction. XXXX couldnt do much and told me to go to my bank. ( wells fargo ). I filed a claim as fraud/scam or unauthorized transaction ( XXXXXX/XX/XXXX. My bank gave me funds back for duration of investigation. XXXX months later, they told me my claim had no fraud occurred and took the {$2500.00} back. I then went to a banker at Wells Fargo and she worked hard to help get my money back this was on XX/XX/XXXX. The bank said they needed XXXX to send them my transaction history ( this was because I said I would never spend that amount on XXXX ). I have reached back out to XXXX XXXX XXXX XXXX XXXX XXXX and they replied on XXXX XXXX XXXX all they told me was the claim was deemed done by the bank, and that it was up to my bank from here on out and never sent my bank my transaction history that my bank asked me to get. My bank said it had to be directly sent from XXXX and not sent from myself. Now Im stuck without {$2500.00} of hard earned money Ive even tried to talk to my banker again through email who helped me previously and have not heard back. They have refused to give my back my unauthorized transaction which should automatically be covered through the FDIC. This process has been ridiculous especially since Ive been a customer of Wells Fargo for almost 20 years. Todays date is XXXX XXXX and still nothing has been done or communicated. Up to now, the latest update I have is Wells Fargo said that my password and email match my XXXX account and thats the only info XXXX sent them. Obviously a scammer would have that info, but in this case my phone was used without my consent or knowledge and sent to a user Ive never sent money to previously, nor added as a friend on XXXX. After my bank asked me to get documents from XXXX, they ( XXXX ) never sent me or the bank anything. Its out of my control for them to send this info to my bank. All they said was talk to your bank and thats the last Ive heard from XXXX. My next step would be to talk to another banker, but that hasnt helped me one bit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80003
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A