Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: During the month of XX/XX/XXXX, I had several instances where the perpetrators attempted to charge my personal accounts and attempted a prior wire transfer. Wells Fargo was able to stop most of the charges as well as the attempted wire transfer for {$33000.00}. However, in XXXX, I received a message from Wells Fargo that someone was attempting to wire money from a different account. They said they would be calling with more information. They did call on XXXX however it was not Wells Fargo- it was the fraudster, male subject. He had my account numbers, personal identifying information and the caller ID was listed as " Wells Fargo ATM. '' During this conversation, the fraudster told my husband to perform two separate wire transfers into a XXXX account since the account was compromised. The following Monday I called Wells Fargo to follow up and the bank stated they never made a phone call and have no record of anyone from Wells Fargo contacting me. Wells Fargo completed their investigation and sent letter this week stating they can not get our funds back. We are currently in the process of a second investigation looking at a possible internal employee who is the fraudster. XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3300.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3500.00} Wells Fargo has been very difficult to deal with and is accepting no responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my Wells Fargo account back in XX/XX/XXXX. The rep on the phone said there will be no more charges to the account. XXXX weeks ago I ran my credit because I am in the process of refinancing a home. When I ran the report I saw that my score dropped tremendously. So I did some research and found out that Wells Fargo put a 30 day and 60 day late payment on my account from the past XXXX and XXXX. They said I owed them {$22.00} in interest. How can you charge interest on a paid off account? I contacted the bank to ask about the {$22.00} and the late payments and it turns out that they've refunded the {$22.00} before I ever contacted. However after a dispute, they are not willing to remove the late payments on my credit report. At any rate, this is now affecting my refinance and my livelihood. This is a predatory move by this bank and if something isn't done about this I will be seeking an attorney as they are violating my consumer rights as well as 15 usc 1666 b and if it doesn't get fixed I will report them to the ftc, attn general and cfpb in addition to this XXXX reporting. I am sekking 100 % Payment History because this is hindering my ability to obtain a mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a Wells Fargo bank account on XX/XX/XXXX, had my XXXX XXXX transfer on mobile apps, XXXX dollars. The same day I canceled that transaction. Through XXXX XXXX. On XX/XX/XXXX, XXXX Bank didnt stop the transfer and got the XXXX dollars from my account. On XXXX Called Wells Fargo, was told the money would be returned in 2-3 days.on XXXX spoke to a man called XXXX and he gave me a claim number, as I found out that claim never existedXXXX a new claim filed. I have a claims rep, who said my money was missing, it was layed up somewhere I forgot. As of today numouse phones calls looking for my money, told many different things. Wells Fargo gave me a ACH tracking number, she asked me to XXXX XXXX to see if they could track the number. As of today Calling XXXX they can not find any tracking number of the sort. And again since this started was told no refund coming into XXXX XXXX. I have called and called XXXX at Wells Fargo all I get is the back office sent it to XXXX XXXX. On XX/XX/XXXX Wells Fargo had put in XXXX, into my Wells Fargo Account. If you can believe this, 2 hours later it was gone out of my Wells Fargo Account. To this day Wells Fargo has given me a hard time, Ive pleaded with XXXX cried in years looking for my money to be returned. Theyve taken my money 3 times away from me. 1 from XXXX XXXX, 3 from the Wells Fargo bank account. I have no money, at all at this point. This XXXX XXXX From Wells Fargo, and the bank manager spoke today, verifying no money came in from Wells Fargo. I feel this is theft at this point. Im ready to file a police report. On Wells Fargo Bank. I feel this point they should be giving me my original money, extra for the hardship its causing me. They provide me with XXXX for all this. At this point they should be paying me more. I need XXXX XXXX, had to get to that done, my cars broken have no money to get it fixed. Theres no food nothing in my home. Nothing. I told XXXX XXXX at XXXX Bank that they have me broken physically and emotionally. I suffer with XXXX XXXX since XXXX. This is making me needing to go to XXXX XXXX To get help I am in crisis, and Wells Fargo just dont care. I need money. Please help me. I have spent days and hours with the bank manager at XXXX XXXX helping me since XX/XX/XXXX, we have spent hours dealing with Well Fargo bank. As of today XXXX XXXX told me they dont know what kind of game they are playing, but this matter is cut and dry. They told me it looks like Im taking a loss of XXXX dollars. Thank you 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: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I requested a forbearance under COVID/ CARES ACT/ CFPB and/or XXXX guidelines from XX/XX/XXXX - XX/XX/XXXX. CFPBXXXX and CARES ACT guidelines state that borrower payments should not be considered late during the forbearance period which Wells Fargo has chosen to disregard. Wells Fargo has also received further clarification from XXXX XXXX confirming possiblecommunicateion to remove the loan from escrow upon cancellation of PMI. PMI was cancelled as of XX/XX/XXXX and Wells Fargo is still telling me that my account is not eligible to be removed from escrow because of their internal policy which their employees have used to supersede investor guidelines and further directive outlined in the cares act per XXXX XXXX with the accounts executive team. XXXX XXXX also informed me that an exception request would not be sent to XXXX XXXX because they have an internal team that reviews case data submitted by the executive team. I would like to know why Wells Fargo has chosen to disregard the investor guidance and opted not to communicate with XXXX XXXX to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have told Wells Fargo numerous times in written communications and in written communications that I want to opt out of credit reporting. Congress enacted15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Wells Fargo has never given me disclosure on how to opt out and/or the opportunity to opt out of such disclosures to be made to third parties as the statute sited above clearly states. I want to opt out, but when I spoke to XXXX XXXX XXXX who works inside Wells Fargo XXXX XXXX he told me that he doesn't think I can opt out of his company making disclosures about me to third parties. This is clearly not true and is an attempt to continue to make disclosures about me against my wishes in violation of the law and trampling my rights as a federally protected consumer. Furthermore I am a federally protected consumer as stated in the Fair Credit Reporting Act ( FCRA ) and Wells Fargo is making private disclosures about me to XXXX, XXXX, and XXXX knowing that I have elected to opt out of them making such disclosures about me to private third parties. All these companies mentioned above do not have permission to make said disclosures about me to third party non affiliates, and to furnish such disclosures on a credit profile in my name and using my social security number on it.15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, and XXXX do not have permission from me to furnish anything that Wells Fargo has shared with them. Also in accordance with 15 U.S.C. 1681 ( b ) XXXX, XXXX, and XXXX do not have my consent as I have given them written instruction to not furnish anything that the following companies have reported to them on my credit report. Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any public record about me that these aforementioned companies have reported without my consent ( i.e bankruptcy filings ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2024, I discovered that my XXXX XXXX XXXX ending in XXXX was abruptly closed by Wells Fargo Bank. On the same date, I visited the local branch office in XXXX, Maryland and spoke with the branch banker by the name of XXXX XXXX XXXX. He told me that the XXXX XXXX XXXX was closed because I did not provide a physical address to the bank even if I have been a known customer for the past XXXX years. I gave him my XXXX physical addresses ( home which they already have ) and physical business office. I also informed him that you do not just close an XXXX XXXX XXXX without several customer notifications. I expressed to XXXX XXXX my concern since I had XXXX checks outstanding with the United States Department of Homeland Security which if not cleared would jeapordize the US XXXX status of XXXX legal clients. XXXX XXXX escalated the matter to the next management level and I received an e-mail on XX/XX/2024 from the Wells Fargo Small Business Resolution Team. I was assigned a casse number ( Case # XXXX ). I contacted the Wells Fargo Business Resolution Team on XX/XX/2024 and was told that there is nothing they can do and my XXXX XXXX XXXX is permanently closed and any amounts I have in the account will be sent to me by check. I made a strong request to atleast keep the account open and allow my XXXX checks to get paid to the United States Department of Homeland Security for rectifying the XXXX status of my clients. The request was denied. I now have to answer to Bar Counsel as well for the callous action of Wells Fargo bank in closing the account. Wells Fargo did not care at all about placing my XXXX XXXX clients at risk of losing legal XXXX status in the United States.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I started treatment with XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX to fix XXXX with my XXXX. I paid the deposit ( {$250.00} ) to start on XX/XX/XXXX, and received all XXXX of my XXXX XXXX on XX/XX/XXXX. They told me I would be done with treatment on XX/XX/XXXX. I was making monthly payments of {$78.00} with XXXX lender, XXXX XXXX XXXX XXXX. All was going well with the treatment, until I got to XXXX number XXXX. They were made incorrectly and did not fit my XXXX. I reached out to XXXX customer service, did a video chat with the heath care consultant and they confirmed the XXXX werent made correctly and they would send a replacement set. This was in mid XXXX. I had to wait XXXX XXXX before I received this new XXXX and set XXXX, so my treatment time was pushed back to conclude XXXX XXXX. The consultant I spoke with told me I should have no problems with the rest of my XXXX, but if I did to reach out. I wore set XXXX for XXXX XXXX like I was supposed to, and wore set XXXX for XXXX XXXX like I was supposed to. When it was time for me to switch to XXXX XXXX on XX/XX/XXXX, they didnt fit. I called customer service again, we did a video call and they confirmed yet again that the XXXX was made incorrectly. They asked if I could try on XXXX XXXX, I did and that also didnt fit. They told me I could either wait another XXXX weeks to get new sets, or just cancel my service for a refund all together, since this was the XXXX time I was having this same issue. I told them I didnt want to wait that long because my treatment was already delayed XXXX XXXX, and I didnt want it to be set back another month. They said theyd still send me new XXXX anyway, but they would put in the request for cancellation. I got an email on XX/XX/XXXX that the new XXXX would be shipped, and then got another email XX/XX/XXXX stating they received my request for cancellation and that someone would reach out within XXXX business days for next steps.About XXXX hours later, on the XXXX XXXX announced they shut down all operations effective immediately. I was preparing to go out of the country so I filed a dispute with Wells Fargo on XX/XX/XXXX for the deposit, and XXXX of monthly payments ( XXXX, XXXX, XXXX ). They denied my claim so Im trying to figure out what my next steps are. I want my money back, so that I can begin treatment with XXXX. Even if I wanted to continue treatment since I have all of my XXXX, I couldnt since the next XXXX sets I needed do not fit. XXXX are worn in a sequential order so if the ones up next dont fit, the ones after surly wont either, since my XXXX are moving. With that being said, the XXXX with my XXXX still hasnt been addressed and corrected, which is what I was paying XXXX for, and Im not satisfied. I was told that I could get a refund but because the company shut down, that never happened. Dispute receiving an email saying my new XXXX were on the way on XX/XX/XXXX, I never received them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75243
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2024, I was a victim of a scam. Everything started with me having a problem with my XXXX account. I looked up a number to call and I came across a number on google. When I called the number found, I spoke to someone who impersonated a XXXX agent. They informed me that my account had been locked because I hadn't completed the verification process. They added that they were willing to help me solve that issue. This is how they proceeded to ask me personal information and ask to remotely access my computer to help me better. They had me go to my bank account ( Wells Fargo ) that was linked to my XXXX account, then had me initiate some money transfer from my bank account to XXXX for the amount of {$700.00}. Then they had me go on metamask and had me create an account with XXXX and XXXX, passing all the verification process. That was supposed to make the security features strong so in case my account was hacked it would have been difficult for the hackers to access it. They then transferred {$1100.00}, {$1400.00} and {$1400.00}. The money was supposed to have been sent to my XXXX account then back to my checking account. When I questioned the amounts, they kept on saying that it was what the computer generated and not to be worried because the money was going to be deposited back into my checking account.But as time went by I realized that no money was being sent back to my checking account, and that they were actually draining my account buying cryptocurrencies and moving the money to digital wallet. I started to record the phone call then. I try to contact my bank via chat, sending help alert but the chat was not available. I then, call the bank to explain what happened and to ask them to stop the payment but I was told that because they were made with a debit card, there was no way to stop them and I was instructed to file a claim, which I did. I was tricked into believing that I was making legitimate transaction and now my bank rejected my claim and I just can t afford to lose all that money that I worked hard for to the hands of scammers. What is more, since I had opened my account I never spent such a large amount ( {$4700.00} ) within minutes, which is already a red flag. At this point, I feel really disappointed in my bank and I do not feel protected. I do not agree with their decision and I do not understand how they came up with the conclusion that no error had been made, how they are denying the fact that I was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07201
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: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part XXXX ). On XX/XX/XXXX XXXX said that there was insufficient funds and the money would be returned, see Part XXXX attachment. However there was plenty of funds in the Wells Fargo. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/24 ( ticket # XXXX, see attachment Part XXXX ) ). On my sofi account it showed a + {$30000.00} on XX/XX/XXXX, see part XXXX attachment and then a - {$30000.00} on XX/XX/XXXX ( See part XXXX attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part XXXX attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part XXXX attachment ). The original {$30000.00} is still missing and on my XXXX account I have XXXX separate - {$30000.00} transaction debits from wells fargo ( Part XXXX and XXXX attachment ). To be as clear as possible, there is XXXX debits of {$30000.00} on my XXXX account, but only XXXX credit of {$30000.00} to my Wells Fargo account. I am concerned that the internal error ( Part XXXX ) at XXXX caused this missing {$30000.00}. I am still missing {$30000.00}. The money that was debited on XX/XX/XXXX at XXXX for {$30000.00} never made it to Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Took my government stimulus checks to Wells Fargo who, at the time of the first round, Id been banking with XXXX years. My accounts were not overdrawn at the time yet Wells Fargo decided to hold my checks instead of cashing them for a week each time. The approximate dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They stated that it was simply their policy to hold checks even those these were disseminated during a time of global crisis as a means to stimulate the economy. I really thought my life would end and they did not care. Everyone else who received these checks all around me at the time were getting theirs cashed without question. Me being a XXXX XXXX XXXX man seemed to be the only reason they chose to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A