Date Received: 2024-01-17
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 recently received a new card and noticed a new account has been set up. However, I have seen that you are still adding a balance of XXXX to the new client 's account from the account that has been involved in fraud. I want to clarify that this entire balance does not belong to me, and I have disputed this multiple times. I would like you to resolve this issue immediately. Thank you, XXXX XXXX Sent from my XXXX On XX/XX/2023, at XXXX XXXX XXXXXXXX XXXX XXXX wrote : I can not believe I had to request a new card, and you had the one that has been compromised open and still accessible. This is an instance. This still needs to be resolved, the balance removed, and a new card account number issued. I XXXX XXXX XXXX XXXX sent the email below a week ago, thinking my account was handled as it was then. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges, including balance transfer, are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed. This is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and permanent XXXX documents under my care, and I was incapacitated during that time. I had no way for this to occur, which was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. We received what we now understand was a fraudulent text message claiming to be Wells Fargo and that the account was hacked or used at that time. It has been past the allowable time to resolve this issue, and I was told it was decided numerous months ago, but it has not been. I was told a new account and card would be issued. Please confirm this has been done. I have been in the hospital and will be until the next month. I would like to know if this is handled and resolved before then. The violations are still occurring, and I'm receiving collections, letters, and emails for balances that are separate and continue messages. If unresolved, I have reported the violation to CFPB and will report it to the XXXX XXXX This has gone on long enough now and needs to be handled better. I have been a loyal and longtime customer, which has been a challenging and stressful situation that I feel has been mishandled. Sincerely, XXXX XXXX From : XXXX XXXX Sent : XXXX XXXXXX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : We received your concerns XXXX Wells Fargo Case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Whats next XXXX respond within XXXX business days from the date you contacted us. If we need more time to research and respond to you, well let you know. Were here to help We appreciate the time and effort you took to contact us. If you have questions, please contact us at XXXX. Were ready to help you Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. Sincerely, XXXX XXXX XXXX XXXX For security reasons, please do not respond to this email with any personal or account information. This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation. XXXX XXXX XXXX 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: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: My wife and I are forty year customers of Wells Fargo. We have a first mortgage that we originated with Wells Fargo in XX/XX/XXXX which was sold after being modified to 40 years as part of a home preservation program after I XXXX XXXX XXXX and had my pay reduced by half ( i.e. {$30.00} per hour to {$15.00} ) 7 years ago, and a HELOC in XXXX for $ XXXX. Our first mortgage has been paid on time and our HELOC is currently reporting 60 days late to the credit reporting agencies and we are over {$5000.00} past due in payments and late fees. We have been repeatedly denied for loss mitigation as we are being advised that we make too much money. We applied to refinance our Wells Fargo debt with Wells Fargo including the mortgage that Wells Fargo sold to XXXX XXXX XXXX and included the balance of a Wells Fargo credit card totaling approximately @ $ XXXX in order to put ourselves in a stronger financial position by bringing the HELOC current, and reducing our monthly obligations. As long standing customers, we find it difficult to believe that this company has no options for which we can qualify. We do not have {$5000.00} to bring our HELOC current, we do not qualify for loss mitigation and we are only asking that this company find a product in which we can consolidate all of our Wells Fargo debt including the sold mortgage so that we can get one affordable payment and get our credit back on track.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2024 - {$320.00} XXXX {$320.00} XXXX {$9.00} XXXX {$9.00} A Wells Fargo representative reached out to me on XX/XX/2024 stating that they suspected fraud on my account, 2 different transactions for XXXX from a company called XXXX XXXX XXXX in XXXX. I told her I never heard of that company and never made a purchase, I currently reside in XXXX Texas, and the company is located in XXXX., I also reached out to the company that used my information and they had no reciliation of my order and said that I need to contact wells fargo immediately. On the same day XX/XX/2024 the wells fargo put in a fraud claim for those transactions, I also spoke to a representative later on on that day and he said that my claim was filed incorrect and it was best that we didnt change it. I received a email on XX/XX/2024 that no error was made. Which is incorrect since I never gave out my debit information to that company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77088
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. I have identified the following discrepancies in my credit report : WFXXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. WELLS FARGO DEALER SVC XXXX and I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
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 the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a severe brutal case of identity theft. I lost all email access to my email accounts. Being. Locked out repeatedly 30 days at a time. I would have never stopped working on my right to privacy and fair business practices and my rights to equal opportunity. Which have all been violated. I have no correspondence from Wells Fargo that I have two accounts that are open for criminal activity. Had I not initiated the investigation to correct my information by visiting a Wells Fargo branch in XXXX Georgia. On XXXX XXXX I visited a Wells Fargo branch in person to find out there are accounts with my daughter social security number and my name and birthdate and address. All the while I was never made aware that there were any suspicious activity going on for years. All while denial of applications and deceptively adding on unauthorized fraud XXXX product, XXXX XXXX to cause me to end up loosing my vehicle and everything I worked hard for to end up with nothing. Its XX/XX/XXXX XXXX I wonder why and how long I can be judged based on identity fraud impersonation to go unquestioned?!?!? The case investigation is attached. Also, its really disturbing to be denied my rights to privacy and no platform to protect the customers. I dont know if I can trust that Wells Fargo will do the right thing! Im XXXX XXXX and I dont want to bring XXXX into this but I cant be dishonest about my rights are being violated because of my XXXX There is no other explanation for this behavior and its being ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Well Fargo XXXX, current case number # XXXX I'm getting extremely tired of this phone and company. I've asked for returnees calls, and get nothing. I'm not dealing with threatening XXXX or her boss, was told that by security officer in XXXX XXXX. Then I'm told a XXXX, and now a XXXX whoever. CFPB start doing something about this company and my Wells Fargo compliments. I have no paperwork or statements, closed accounts and delinquent, attempts to collect a debt. My accounts been under investigation for 8 months. I NEVER OPENED NP CREDIT CARDS OR PERSONAL LOANS, NOW LEARN HOW COMMUNICATE WITH CUSTOMERS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 575XX
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: Deposits and withdrawals
Consumer Complaint: People from WELLFARGO BANK decided to close my platinum savings account when I deposited XXXX checks {$5000.00} and {$1000.00} respectively because they said that there's XXXX check 's amount is changed by handwriting, another check is took picture by cell phone, requested me to provide the notarized letters to verify the check issuers. However, I did faxed my notarized documents XXXX times in different branches offices regarding to verify XXXX checks deposited to my account as they requested, they claimed that they didn't receive fax in XXXX and XXXX time.It didn't make sense that they can receive the fax at the XXXX time I faxed but they can't receive XXXX and XXXX fax I did on XX/XX/XXXX and XX/XX/XXXX respectively. I found out that they created XXXX different case numbers ( case No. : XXXX XXXX XXXX XXXX XXXX ) as it's suspicious because nobody can locate my case when somebody picked up my fax. I also emailed to the representative of XXXX XXXX XXXX XXXX by the attachments of notarized XXXX times, but they ignored them. I mailed all these documents to them, there's no respond to me. They should give me back all my money {$6200.00} deposited in my bank account by cash check when they're going to close my account on XXXX XXXX as the official letter mailed from WELLFARGO bank indicated that their regular practice of closing account, I had already got them done as they requested, they can't find all kinds of excuses that they didn't receive my faxes and close my account without giving me back {$6200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Five years after the account was charged off which was XX/XX/XXXX Wells Fargo started reporting a charge off and will leave it on till XXXX that's unfair. She just suddenly hit me with negative credit information I have to live off of my credit. They should've done that five years ago and that's not my fault. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
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: Problem using a debit or ATM card
Consumer Complaint: I have been trying to get my money back for nearly {$700.00} fraud charges that occurred while I was in the hospital in XXXX. All of my things were stolen and I informed every single rep and supervisor that I spoke to, of that. The dispute was filled out wrong not once, not twice, but three times! The first time, the rep included transactions that did NOT belong in the dispute and also put doesnt remember these transactions as the reason for the dispute, when I told him multiple times prior to submitting it that my purse ( all of my cards were in it ) and phone was stolen the night I went to the hospital & that they were fraud charges. I immediately canceled my cards when I got out of the hospital and got a new phone that same day. I also told that same rep that I had my hospital documents & report. I was told none of that was needed. Okay. A week or so later of going back and forth because the dispute was closed, I asked for a supervisor. She was very apologetic and admitted that the rep was at fault after listening to my calls, she supposedly reopened it and told me I would be refunded in two days and I NEVER was. Here I am nearly two months after opening the initial dispute with NO resolution. Im tired of typing this story over and over, Im tired of repeating it verbally over and over. Ive contacted Wells Fargo SEVERAL times about this matter, I got sick of contacting them with no resolution but every time I look at those transactions I get upset knowing I didnt make them & Im being held at fault for THEIR agents negligence when my calls were listened to & the supervisor said herself the rep was 100 % at fault & apologized to me. Ive been a customer since 2017 and Im on the verge of getting a lawyer because this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A