Date Received: 2024-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I received a phone call from Wells Fargo Bank asking if I authorized a wire transfer of {$10000.00}. Which I did not. This was actually the second wire. The first one had gone threw for {$9900.00}. Someone in Florida had breached my online banking and transferred money from my line of credit, business saving, XXXX, personal savings and my credit card to my business checking to be able to wire it. At some earlier point the hackers had changed my mailing address and ordered a fob from Wells Fargo to receive codes to summit wire transfers. All of the cases have been resolved except for the money taken from my savings accounts. {$1400.00} from business savings and {$8000.00} from personal savings. After many months and trips to the Wells Fargo XXXX in XXXX Ca. I was informed by Wells Fargo Bank that it was not their responsibility for the wire transfer. It was XXXX Bank in which they went to. I believe this to be negligence on Wells Fargo Bank for allowing my address to be changed and for mailing the fob to Florida. I have been with Wells Fargo Bank for twenty years and have never lived or done business in Florida. This has caused great hardship from not only the loss of money but also loss of work and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: on XX/XX/XXXX we wrote a check to XXXX for {$5000.00}. this check was sent to them, but someone intercepted the check and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX realized the mistake and contacted the other account holder on this account. He then contacted Well Fargo bank, to let them know that this check was cashed fraudulently and filed a claim with Wells Fargo. He passed away in XXXX, so I had to step in to finish everything and when I called Wells Fargo they said that I needed to re-submit the claim which I did in XX/XX/XXXXXXXX XXXX Since this time I have been in contact with Wells Fargo looking for information on this claim and keep being told that they are looking into it and will get back with me. as of XX/XX/XXXX I still have not gotten any answers from them and they have not been consistent about returning my phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello! Wells Fargo closed my checking account for no reason and is not giving my funds from the account. My mother ( XXXX XXXX ) recently send me 8 different transfers ( between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from her country XXXX ( her local bank XXXX ) little over XXXX XXXX XXXX to help me and my family with down payment for the cabin we are looking to purchase. All the transfers went through without problems in till XX/XX/XXXX| received an email from Wells Fargo that they closed my account because of suspicious activity. I went to local Wells Fargo branch in XXXX XXXX first thing I no the morning XX/XX/XXXX and the representative there asked me to call the fraud department as he can not help me. I called the fraud department right there at the branch and they told me that the transfers my mother ( XXXX XXXX ) sent me from her account to my ( XXXX XXXX ) are from XXXX XXXX to XXXX XXXX? Why would my mother XXXX XXXX send money to herself to my ( XXXX XXXX ) account? Now they blocked me from all access to my account and I can not get my money. Wells Fargo wants my mother ( XXXX XXXX ) who is and lives in XXXX XXXX to go to Wells Fargo branch with 2 forms of ID in order for me to get my money?? This is my account, under my name only and my mother clearly sent that money to me. Please help me, this is very large amount of money for me and my family. Wells Fargo is just not giving me my money that my mother sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. Per 16 313.15 Other exceptions to notice and opt out requirements. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. P er 16 313.15 Other exceptions to notice and opt out requirements. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX, XXXX AND XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a text message that looked exactly like the text I usually get from Wells Fargo when someone has tried to use my credit or debit card. The text asked if I XXXX a person for {$3500.00} and I replied no, as I usually do when contacted. The Wells Fargo Fraud Assistant called me to inquire about this transaction and proceeded to tell me his name and ID number. He also stated that he would never ask for my bank account number or any other private information or it would most likely be a scam. He won my trust in a short period of time. He also told me that I could lose all the money in my account by end of day if I didn't take action. He put me on hold while he talked to the Wells Fargo Bank Manager. Her name was XXXX XXXX. He then told me that I would need to XXXX {$3500.00} to his Wells Fargo Bank Manager, XXXX XXXX, and would get it back after midnight. I then did that. The next morning, I received a phone call from this same guy who stated he was from Wells Fargo Fraud and would need to protect my savings account. At that point, I realized it was a scam and told him I was going to the bank to talk to a bank person. I then hung up and he continued to try and call me back. I went to the bank on XX/XX/XXXX, and filed a report in the Wells Fargo Bank and told the fraud representative on the phone, I had documentation and could send it to her. She was not interested in getting anything from me and didn't seem interested in anything I had to say. I also went to the police department on XX/XX/XXXX, and filed a police report. I received a letter from Wells Fargo Bank stating that my claim had been researched, and there was no evidence of a scam, and my claim had been denied. On XX/XX/XXXX, I called the Wells Fargo Fraud Department, and requested the research they had done, since they had no documents from me. It is XXXX XXXX, and I am still waiting for the research in the mail that they did. On XX/XX/XXXX, I made an appointment with the Wells Fargo Bank Manager in XXXX XXXX North Carolina, my bank. She requested from them, that she send my documents so they could see what I had done and how this happened. They said come back to the bank on Tuesday, XX/XX/XXXX, I came back to the bank. We called the Wells Fargo Fraud Department again. This time the man on the phone stated he did not want my documents. They did not need them. They will run the claim again from the first investigation they had done. The personal banker went and discussed this with the general manager and offered us to file an escalation report since the fraud department at Wells Fargo was of no help to me. We then preceded to file an escalation report to Wells Fargo. He wrote everything down, and also included, we also asked him to write down the following : The CFPB stated that banks can not consider consumer 's negligence as a factor or claim that consumers waived their protections in their bank account agreement. As of XXXX XXXX, our bank and credit union participants must reimburse consumers for qualifying imposter scams. XXXX XXXX XXXX XXXX XXXX, has now confirmed a policy change on XX/XX/XXXX that requires XXXXXXXX XXXX XXXXXXXX bank and credit participants to reimburse customers for what it calls qualifying imposter scams. XXXX states on its site that imposter scams may include someone pretending to be calling from a business the government, a bank, or a utility company. " Our bank and credit union participants must reimburse customers for qualifying imposter scams, including scammer impersonating a bank to trick a customer into sending them money with XXXX. '' Our personal banker then sent all of this to Wells Fargo Escalation Department. He stated they are supposed to send me an email communication within 48 hours. It has been more than 48 hours and no email as of XX/XX/XXXX. I will be calling tomorrow and all next week to find out if they are going to send an email. I do have a complaint number for the escalation report, and a reference number for the 1st claim filed and the 2nd claim filed. I contacted the second tier team at XXXX on XX/XX/XXXX. They recorded the XXXX scam report, but stated their hands are tied and they can do nothing for me. This would have to come from Wells Fargo and not them. I will also be filing a report with the Federal Trade Commission and the XXXX XXXX XXXX and they were told that, also. Thank you for researching what I have told you. I do have my documents if you would like to see them and can email them to you. Attached below are all the documents that Wells Fargo would not accept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Today, XX/XX/XXXX of 2024, I received a document from XXXX XXXX, executive office case specialist, enterprise complaints management office of Wells Fargo. The document suggests two addresses, Return Mail Operations XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX I am not sure why the person in charge provided the return address to this document, which does not have so much serious contents for me. I once thought I might write a letter to one of address ; however, the office address on the envelop said Origin ID : XXXX, Wells Fargo Executive Office, Wells Fargo-Corporate, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX United States US. So I have decided not to write a letter because of this discrepancy of address. I have checked the telephone number written on the document, XXXX and found out the web search suggests that this number is connected to social security scam and some legal issues recommended to submit a complaint. I recognize another number XXXX, which I treated as unwanted or scam call. I have attached all documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-12
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: On XXXX I was scammed through a XXXX transaction. The scammer pretended to be a BOP ( which I reported to the FBI ) and had all of my information and my father 's information. I know with BOP you do not ask many questions. I have experienced it with the real BOP. I went for the scam to ensure that my family member was safe. Immediately I reported the scams for two transactions of XXXX $ to Wells Fargo bank. Wells Fargo got the information of the receiving bank AND THE ACCOUNT HOLDER and yet they are not giving me my funds back. When I escalated the requests I was berated and called stupid for sending the funds. That is not acceptable for a loyal customer who holds many accounts with Wells Fargo. I felt like Wells did not even try to get my money back and didn't help me when I was scared for my personal safety and my family safety. I really hope that I can get my funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called immediately when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. There were several zelle transactions as well as some checks that had been deposited and bounced for an estimated total of {$13000.00}. I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from Zero to compile all the information required for the claim. I made it my mission to stay updated with what was happening with my account by calling in at least once a week. When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omitted this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account. Also, I originally had sent the police report to the agent in charge of the investigation of this case. The reason why I had sent copies of the police report was to establish the fact that personal items were stolen this included laptop with all my personal information this would also include my bank information. I am resubmitting this issue because Wells Fargo doesn't have the best reputation and also has been on the news for more the a couple XXXX of fraud cases similar to mine. I had reached out to XXXX XXXX the Executive Office Case Specialist about this as well back in XX/XX/XXXX then again at least once every 30 days up until now. I would also like to add that I am aware of many data breaches that there has been for Wells Fargo before my fraud issue as well as many after and have continue to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We received a call from Wells Fargo Auto Finance with no extra information. All the caller did was introduce himself and tell us he doesn't have any information on the missing GAP payment and said he needs more time. IT HAS BEEN ALMOST 2 MONTHS. WE NEED THIS LOAN RESOLVED. WE ARE DONE WAITING. WELLS FARGO IS STEALING MONEY AND I'M NOT ACCEPTING IT. I WANT TO KNOW WHERE THE PAYMENT WENT IF IT WASN'T APPLIED TO THE ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A