Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Wells Fargo, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter. I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand. Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation. I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all XXXX agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA. Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely Zero out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt has been paid and I have proof. it is attached below. Additionally I have requested that this item is deleted from all consumer reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I've had a year-long wrestling match with Wells Fargo about a business savings account. The accounts I opened for The XXXX XXXX XXXX in XXXX are : XXXX XXXX The prior accounts for the same LLC opened in XXXX are : XXXX Last week, Wells Fargo informed me that the XXXX accounts were opened correctly -- not requiring signatory from The XXXX XXXX XXXX, XXXX XXXX member of the XXXX. They informed me that the XXXXXXXX accounts were opened incorrectly -- and did NOT require signatory from The XXXX XXXX XXXXXXXX XXXX XXXX member of the XXXX. Throughout XXXX, I was informed by prior Wells Fargo reps it's the law Wells Fargo get signatory from members who hold more than XXXX XXXX I need copies of the law which prove what they're claiming is legally accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have previously filed dispute # XXXX with the CFPB. I believe Wells Fargo will try to claim this is a duplicate dispute but it is not. My previous claim mentioned fraudulent charges that were made through the money wiring services of XXXX and XXXX via accounts set up in my name with information stolen from me by scammers. These wire transfers were sent to people I have no connection with in different countries. Wells Fargo only addressed and reimbursed me for the fraudulent charges made via the wire transfer service of XXXX. This dispute relates to the fraudulent charges sent through the wire transfer service of XXXX which were not reimbursed. The fraudulent wire transfers totaled to the amount of {$5900.00}. These wire transfers were sent on XX/XX/23 and XX/XX/23 to the recipients of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have this information because the XXXX account was set up in my name by scammers who stole my personal information and identity. I did not authorize these charges in any way. Wells Fargo should be reimbursing me for these fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Wells Fargo is in breach of their own card member service agreement during my XX/XX/2023 statement cycle. I accidentally took out a XXXX XXXX. for XXXX on XXXX. I made a payment for {$100.00} on XX/XX/ on XX/XX/ I then made another payment for XXXX on XX/XX/XXXXXXXX I then made another payment for {$1300.00}. During this time I was a card promotional period where I was being charge 0 % interest until XXXX XXXX Well Fargo did not apply any of my payments towards the XXXX XXXX but instead applied the payments towards the purchases which were at 0 % interest. the following month they changed the amount of my XXXX XXXX balance to {$1500.00} when I did not take another advances they continue to assess fees and interest. according to their own cardmember agreement that states that How do we apply your payments? Minimum Payment Generally, we process your minimum payment in the following order : Lower APR balances ( such as Purchases ) Higher APR balances ( such as XXXX XXXX ) Amounts in Excess of the Minimum Payment If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: WELLS FARGO BANK N A never credited my account from my dividend payment off my treasury coupon. The electronic fund transfer act of the interest on my Treasury Account G.A.P.P. GENERALLY ACCEPTED ACCOUNTING PRINCIPLES THE BILL OF EXCHANGE ACT 1882 SECURITY EXCHANGE ACT OF 1934 SECURITY ACT OF 1933 TRUST INDENTURE ACT OF 1939 CONGRESS STAMP DUTY ACT OF 1863 HJR-192 HOUSE JOINT RESOLUTION OF 1933 INTERNAL REVENUE MANUAL Part XXXX. Submission Processing XXXX XXXX. Deposit Activity Section 45. Manual Deposit Process EMERGENCY BANKING ACT OF 1933 17 CFR 230.501- ( 5 ) Any natural person whose individual net worth, or joint net worth with that person 's spouse or spousal equivalent, exceeds {>= $1,000,000} ; 31 CFR 328.8- Loss, theft, or destruction of securities bearing restrictive endorsements. 32 CFR 34.11 - Standards for financial management systems. 12 U.S. Code 95 a ( 2 ) ) 12 USC 615 - Powers of corporation 12 USC 250- Independence of financial regulatory agencies 12 USC 1813 - Definitions 12 USC 1850a - Securities holding companies 18 USC 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. 18 USC 12 - United States Postal Service defined stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 31 USC 3301 - General duties of the Secretary of the Treasury 31 USC 3302- ( d ) An official or agent not complying with subsection ( b ) of this section may be removed from office. The official or agent may be required to forfeit to the Government any part of the money held by the official or agent to which the official or agent may be entitled. U.C.C. 1 - 201- General Definitions. U.C.C. 3-308- PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. U.C.C. 3-312 4 clause ( b ) 1 & 2 LOST, DESTROYED, OR STOLEN CASHIER 'S CHECK, TELLER 'S CHECK, OR CERTIFIED CHECK IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments IRS 3.8.45 Part 3. Submission Processing, Chapter 8. Deposit Activity, Section 45. Manual Deposit Process The United States House of Representative passed House Joint Resolution 111 disapproving the arbitration agreements rule under the Congressional Review Act ( 5 U.S.C. 801 et seq. ) on XX/XX/XXXX. The United States Senate passed the joint resolution on XX/XX/XXXX. President Donald J. Trump signed the joint resolution into law as Public Law 11574 on XX/XX/XXXX. Under the joint resolution and by operation of the Congressional Review Act, the arbitration agreements rule has no force or effect. Accordingly, the Bureau is hereby removing the final rule titled Arbitration Agreements from the CFR. MORE AND DOCUMENTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo provided my SSN and all of my financial documents in response to a administrative illegal subpoena without my written permission or authority from the account holder causing me severe financial harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I did receive XXXX envelopes addressed from Wells Fargo, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX recent time after I did apply very important, and to legal type business, concerns include injury claims, and error remedy. Both envelopes were in fact addressed to me, although one was addressed to me at an physical residence, XXXX XXXX XXXX XXXX XXXX XXXX and the other, to correct applied address informed to Wells Fargo , XXXX XXXX XXXX XXXX XXXX XXXX ; The XXXX envelope, sent to XXXX XXXX XXXX, was postmarked, XXXX XXXX XXXX and the XXXX envelope sent to XXXX XXXX XXXX, was postmarked XXXX XXXX XXXX. Because of these inconsistent to fair apply addressed, mailed envelopes to XXXX personal legal business jurisdiction, " I was deeply caused to occur injury, and inconvenience, additionally to the other prior instances, where Wells Fargo did cause me injury, that there has been document to, and although therefore at those prior other times occur injury me by Wells Fargo fault, the here above mentioned incident now has occur a serious issue cause of action complies legal to and " assault jurisdiction '', since within the prior sent to assist remedy jurisdiction ask " injury claim '' documents, did contain an XXXX page, XXXX XXXX XXXX attachment explain for regards I have been suffer XXXX upset my VA diagnosed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by numerous Wells Fargo 's , wrongful, to malicious acts apply, and now I allege accords this facts, that Wells Fargo , did knowing that for I was suffer XXXX condition, did intend on mine here occur injury, inconvenience, even XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
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: I was billed for a purchase I did not sign for. I submitted an itemized receipt from the vendor and pointed out the purchase I did not authorize, and the vendor was unable to provide the receipt and the credit card company still did not refund the amount.
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: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. Details of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. Bank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. Financial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. I have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A