Date Received: 2024-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Wells Fargo is suing me for unpaid bill on a credit card that had fraud committed against it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2024-01-20
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: On XX/XX/year> @ XXXX AM, I received a text message alert from Wells Fargo asking if I recognized two charges from my debit card for the amount of {$410.00} and {$900.00}. I was awake at the time and immediately called Wells Fargo XXXX XXXX and told them that I did not make those purchases and they told me that a couple more were pending from XXXX as well and they were going to cancel my Wells Fargo debit card and send me a new one. When I got up later that morning, I saw that those charges from XXXX and a couple of other companies were still showing up on my account so I called the XXXX XXXX back at Wells Fargo and told them that there was more charges. They noted it and credited back my account in the amount of {$720.00}. On XX/XX/year> I received a letter in the mail from Wells Fargo stating based on the information available to them they found the charges were made by me or someone who had my permission and that they were going to deduct that amount from my checking account in 10 business days. I called the XXXX XXXX back and they said the XXXX that handled my case said that the purchase was made in person with my device. I advised them that I did not make the purchase, nor did anyone else have permission to use my account/debit card and my debit card has always been in my possession. They refused to talk to me anymore, I spoke to a individual by the name of XXXX who then passed me off to a supervisor by the name of XXXX ( They would not give any other identifying information other than first names ). Both said there was nothing they could do. I asked to speak to someone higher up than XXXX and he said there was no one else to speak to. I advised them that, I even got a letter from them the same day saying that one of the companies that items were purchased from the fraud had actually refunded me the money. Wells Fargo said well that was the merchants decision. I advised them that if that one merchant came to that conclusion, could you not look into it a little further. XXXX sounded like he was getting short with his answers and basically was reading from a script repeating that was all they could do. After getting off the phone with Wells Fargo, I started to do my own investigation ( XXXX XXXX XXXX ) and contacted the one business that I was able to track down on the internet. I submitted a fraud claim via email with the company XXXX XXXX who advised via email ( I have all emails for proof ) that the item that was purchased in the amount of {$690.00} was purchased via their website and NOT in person as Wells Fargo stated. They sent me a copy of the invoice and it had my billing address in Washington but was sent to an address with my name on it in Florida. XXXX XXXX said that the item had already been shipped and delivered so I would have to contact my bank to make a fraud claim. There is one other business that had a charge but I was unable to obtain that business name. The total in fraud that went through ( Thousands was used via XXXX but we were able to stop those before the bank finalized them ). When speaking to XXXX a total of 8 XXXX, 2 XXXX XXXX XXXX and 1 XXXX XXXX were attempted to be purchased. XXXX could not tell me the state it was purchased from but that all were done within minutes of each other and that it wasn't from a state even close to Washington State and none of the items were to be sent to Washington State. A fraud report was made to XXXX and that is XXXX. After speaking to all the companies that I could find information on, I then called back Wells Fargo and stated that I wanted to see about reopening my case as I have proof from the companies that all the charges were made via the internet and not in person. They advised they would not reopen the case, when asked why, I was told that their decision was final. I asked how can if be final when I have proof that I did not make the purchases in person like Wells Fargo said I did and obviously the XXXX did not look into this fraud case, and then I stated if Wells Fargo did not believe Fraud occurred why did they cancel my card, reissue me a new card and contact me in the beginning. XXXX ( Wells Fargo XXXX XXXXt and was very nice ) said that she was sorry but that there was nothing she could do and when asked if I could speak to a higher supervisor, I was not given that ability. My card was compromised and I did not make those charges, Please, if there is anything you can do to get those funds back. I don't use XXXX XXXX, ( Actually don't really know how it works ) I know when I got a new card awhile back, Wells Fargo did something so it was attached to my digital wallet but not even sure what that means. I always use my debit card. It would be very helpful and I would be appreciative. I have all the emails, screen shots, statements, if you need them. If anything, please help other people by making it known that their money is not safe with Wells Fargo Banks. Thanks you! XXXX XXXX
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I had purchased aligners from XXXX XXXX XXXX on XX/XX/XXXX and paid {$250.00} as a down payment to start my XXXX XXXX XXXXt. I received my XXXX on XX/XX/XXXX, and was expected to complete my treatment on XX/XX/XXXX. Starting XX/XX/XXXX, I was making monthly payments for {$68.00} to finance my aligners, and signed a contract that I would make these payments over the course of 28 months. XXXX XXXX XXXX offered a lifetime guarantee to their customers, as well as access to a lXXXX XXXX who would be overlooking my treatment, as well as offering refinements to make corrections should customers be dissatisfied with their treatment. On XX/XX/XXXX I reached out to XXXX via phone call to request refinements because my teeth had not moved in accordance to the treatment plan that was proposed. I had also never met with my XXXX XXXX. I expressed my concerns and requested to meet with him so I can get refinements and get my teeth to look the way that I would like and was expecting. That day I was told that I needed to wait until I was on my last tray of aligners to request refinements since that was my scheduled time to complete treatment. I called XXXX on XX/XX/XXXX and did a video chat with an agent explaining how my teeth hadn't moved much the 4 months I wore the aligners, and still weren't entirely straight and still had gaps. I was told that this was sufficient enough to request more aligners since my teeth weren't in fact on track, and that someone would be in contact with me with XXXX hours to determine whether or not my request would be granted. On XX/XX/XXXX a member of the XXXX team contacted me and told me that my request was denied, because it was out of company " protocol '', but never told me what the protocol was, nor did they provide me of copy of it upon request. I was then told that I could try to submit another request, which I did that same day. On XX/XX/XXXX XXXX let me know that they had once again denied my request. That day, I was on the phone with them and requested a cancellation of service as well as a refund. On XX/XX/XXXX, a XXXX rep emailed me saying that my cancellation request had been approved and that a member of the finance team would be contacting me within the next 7-10 business days to proceed in the cancellation and refund process. However, on XX/XX/XXXX, it turned out that XXXX XXXX XXXX had completely suspended all operations, and went out of business, effective immediately. There was no one to contact as a result. I immediately contacted my bank, Wells Fargo and put in a claim to get my money back- which was the {$250.00} deposit, as well as the three monthly payments of {$68.00}, for a full total of {$450.00}. I had also asked Wells Fargo to block all future payments, since I had cancelled my service and was in the process of getting a refund issued. On XX/XX/XXXX Wells Fargo denied my claim for the refund, which I didn't discover until yesterday, and authorized the monthly payments- one on XX/XX/XXXX as well as XX/XX/XXXX, XXXX both for {$68.00}. I called Wells Fargo on XX/XX/XXXX to inquire why my claim was denied, as well as why they did not block the payments like I had asked. It is important to note that when I filled my claim on XX/XX/XXXX with Wells Fargo, I told the rep that I would be happy to provide them with the email that I got from XXXX stating that my cancellation requested was approved, and how a member of their team would be reaching out to me to proceed in the refund process. The WF banker never asked for it, or any proof for my claim. Upon talking to a banker yesterday via phone, I was informed that Wells Fargo would not be giving me my refund of {$450.00} because the initial transactions occurred beyond their 60 window. As for the two transactions of {$68.00} from XX/XX/XXXX and XX/XX/XXXX, I was assisted in filing another claim, but was told that they can't make any promises, again despite me stating that I have proof of service of service cancellation from XX/XX/XXXX. I don't know what to do since there is no one from XXXX XXXX XXXX to contact and my bank is refusing to give me a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: When using bill pay in a Wells Fargo checking account, WF displays a statement that checks sent out can be delayed by the post office, but it is my belief that WF takes their time sending out those checks also and may even " forget '' to send some. I have had checks to local contractors take more than two weeks to arrive. In XXXX, I authorized a pair of checks to be created and sent to XXXX XXXX for an expedition payment that totaled $ XXXX. Those checks never arrived - it is my belief that Wells Fargo " forgot '' to send them out so that WF could get the float on the funds already deducted from my account. When I went into a branch to complain and put a stop payment on the checks, they opened an inquiry and a week later informed me that they had done everything right in the check generation - but the stop payments were not processed - so WF got the float for another week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Claim Number : XXXX Dear Wells Fargo Customer Service, I hope this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. I reported to your customer service that my wallet, containing not only my identity but also crucial account information, had been lost. Subsequently, the person or people who gained possession of my wallet managed to drain all the funds from my accounts by transferring them to another country. To my shock, they even visited one of your Wells Fargo branches to withdraw cash, an action that was promptly refunded by the bank. As a XXXXXXXX, my financial situation is consistently tight, prompting me to diligently monitor my accounts. Upon discovering these unrecognized and unauthorized transactions, I immediately reported them to Wells Fargo in an effort to stop any pending transactions and secure my account. I am disheartened by the denial of my dispute, as I believe the bank has a responsibility to protect its customers from such fraudulent activities. The unauthorized use of my funds has significantly impacted my financial stability, and I had hoped that Wells Fargo would take the necessary steps to rectify the situation. There may be a history of transactions with the mentioned merchant, the specific charge in question must be concerns about unauthorized access and potential compromise of my debit card information. It's important to stress that even with a history of transactions, this particular instance is being contested based on the circumstances surrounding the unauthorized activity and my genuine belief that it poses a security risk to my account. I would reiterate my willingness to cooperate fully in the investigation and provide any necessary information to support my dispute. I kindly request a thorough reconsideration of my dispute, taking into account the circumstances surrounding the loss of my wallet, the unauthorized transactions, and the subsequent financial strain I am facing as a result. Your prompt attention to this matter is crucial, and I trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. Thank you for your understanding and cooperation.
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: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: Item arrived damaged, requested a return and no one picked up the box. Filed dispute on credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: The mortgage was deemed illegal by the federal government and the bank refused to work with me to refinance. Subsequently the bank foreclosed and I lost my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Wells Fargo put the few XXXX dollars form payroll deductions for an XXXX XXXX XXXX into an unsuitable 'managed ' account, which lost much of its value. They " managed ' to lose hundreds, and took the rest of my money with high fees. Since I was not notified, this was illegal. Calling them was a waste of time. Compare this to my experience with my main plan, from a small non-union XXXX XXXX, which also had to liquidate their fund. A single XXXX person helped about XXXX former employees transfer to no cost XXXX XXXX online account, into FDIC insured, money market fund, with no fees paying a little interest too. Fully liquid, I could then buy stock, bonds with great online app, at my own pace. Link to XXXX XXXX XXXX Wells Fargo Agrees to Pay {$1.00} Billion to Settle Pension-Led Lawsuit XX/XX/2023 '' Wells Fargo Agrees to Pay {$1.00} XXXX to Settle Pension-Led Lawsuit Mississippis public employees ' fund, a Louisiana sheriffs fund and the state of Rhode Island were among the lead XXXX XXXX XXXX XXXX XXXXXXXX? XXXX This EMAIL is to serve as a demand letter. If I do not get my original balance restored, then dispersed as a XXXX payout in a check, with a proper 1099 I will pursue this matter in court. I called Well Fargo about 10 years ago to complain about management fees totaling 26 % of the value DECLINING fund. One hour on the phone got me nothing. I asked why wasn't it all in a XXXX XXXX, and can you do that? I was told they didn't have that. But there is some in a XXXX, with a 3 % fee, which is usually no cost, because there is NOTHING to manage. I asked them if they thought it was fair to XXXX XXXX, a poor performing fund with a small amount of money.. They just told me about thinking long term and it might come back. Since the fund had less than {$1000.00} to begin with, I decided to let it roll, just to see if they would take it all. How could it come back with Wells taking 26 % in fees? Now they are saying they need a " contract number '' to verify. In addition to my account number, just to access, or to ask questions. Then, they hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: When I started my mortgage in XX/XX/XXXX, my monthly mortgage was {$2000.00}. After XXXX year, in XX/XX/XXXX, I received a letter from Wells Fargo called an Escrow Review Statement. The escrow review statement is something I am familiar with because we received XXXX on our last house/mortgage when the property taxes went up. Basically, because the property taxes went up, our escrow account had a shortage, so we received the letter ( on our last mortgage with XXXX ) and the letter said to pay the escrow shortage amount or the mortgage will go up, so we paid the shortage to keep our monthly mortgage the same. The Escrow Review statement from Wells Fargo in XX/XX/XXXX on our new home and current mortgage was similar, but it stated that we had an escrow shortage of {$1400.00} and if we paid the shortage, our mortgage would still go up to {$2100.00}. I've tried to get Wells Fargo to explain this to me but I either get transferred or hung up on. All other mortgages i've had when you pay the escrow shortage, the mortgage doesn't increase. Did they not give me the correct amount of escrow shortage on purpose so that my mortgage would go up and I could basically give them an interest free loan by increasing my escrow account. My property taxes from XXXX to XXXX went up by 38 % and it seems like Wells Fargo is predicting that my property taxes are going to increase in XXXX by the same percentage and is increasing my monthly escrow payment due to their prediction/projection for XXXX. Around the time I was investigating and researching this Escrow Review Statement, I started looking into how my payments were applied just out of curiosity. My previous mortgage matched my amortization schedule down to the XXXX. According to my amortization schedule for my current mortgage with Wells Fargo, Wells Fargo is misapplying my principal payment by shorting it by an average of {$0.00} per month and misapplying the interest payment to themselves by overpaying themselves by an average of {$1.00} in interest per month. In XX/XX/XXXX, my principal balance was shorted by {$0.00}, also in XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my principal balance was shorted by {$0.00}. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my principal balance was shorted by {$0.00}. XX/XX/XXXX it was shorted by {$0.00} and {$0.00} in XXXX. In XX/XX/XXXX around the time the Escrow Review Statement came out, my principal balance was shorted by {$4.00} per month. {$0.00} in XX/XX/XXXX, {$1.00} in XX/XX/XXXX, and {$0.00} again this month XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo overpaid themselves in interest by {$1.00}. They overpaid themselves in interest again in XX/XX/XXXX by {$1.00}. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they overpaid themselves by {$1.00} per month. In XX/XX/XXXX and XX/XX/XXXX, they overpaid themselves in interest by {$1.00}. In XX/XX/XXXX, they overpaid themselves in interest by {$1.00}. In XX/XX/XXXX, they overpaid themselves in interest by {$1.00}. In XXXX & XX/XX/XXXX they overpaid themselves by {$1.00} in interest. In XX/XX/XXXX, they overpaid themselves by {$2.00} in interest, and finally this month, XX/XX/XXXX, they overpaid themselves by {$1.00} in interest. This is causing me to overpay in interest and pay down my principal balance slower than what should be. This seems to be systemic and I wonder how many people they are doing this to. My loan began in XX/XX/XXXX and I have a 5.375 % rate and an initial mortgage balance of {$300000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24019
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A