Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to express my extreme dissatisfaction with Wells Fargo 's handling of my paid collection/charge off account. Despite multiple attempts through credit bureaus and collection agencies, validation remains unaddressed, violating the Fair Credit Reporting Act ( FCRA ). This lack of response and failure to conduct reasonable procedures on these accounts is unacceptable. Immediate action is expected to rectify these violations and ensure accurate reporting on my credit profile. Address this matter urgently to avoid further action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a home repair loan from the USDA Rural Development in XX/XX/XXXX so that I may age in place. The Contractors work was delayed. The loan officer at the USDA Rural Development Office changed the date on the Contractors Agreement reflecting this change but never changed the date on my Promissory Note as required by the USDA Rural Development Handbook RD-HB 1-3550 paragraph 8.8 ( B ). When the work was completed on XX/XX/XXXX, the loan was set into motion and I was immediately past due before I had even received my first billing statement. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the USDA. The USDA changed the date on the Promissory Note and have since removed the errors. I have also consulted with a Consumer Attorney on XX/XX/XXXX who reviewed all three Credit Reports : XXXX, XXXX and XXXX and found no derogatory information. However, because of the USDA reporting errors, Wells Fargo has reduced my credit limit from {$6000.00} to {$1200.00}. Therefore, my credit utilization is now showing high, I.e., very close to my card limit. I have been a member of Wells Fargo since XXXX. I have never overdrawn my accounts or made late payments for any of my bills. If you review my accounts you will see there is not one late payment. The USDA loan payment is {$41.00} a month and it will be no problem to handle that payment. I would not have agreed otherwise. The USDA error has caused me grave distress. Wells Fargo is adding salt to the wounds by greatly lowering my credit limit. I do not need a {$6000.00} credit limit but would like to have you raise it more than {$1200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
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: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I am owed XXXX XXXX Dollars for a credit card balance refund. I have called in XXXX times, per my records. I have sent XXXX Emails, and XXXX direct messages to the support team. I have contacted the highest level of support. It appears they have absolutely no intention of returning my money to me. They claim that a check was sent, but it was not. I have also not received an affidavit or an electronic transfer either. I am beyond words at my frustration here. I am quite certain they are making no effort to amend this because it has been over a month so far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I received the covid mortgage assistance from Wells Fargo, but they did not close the payments I missed. They instead put the six payments on the missed payments I currently have, which made my payments further behind and more in amount. I have called numerous times starting in XXXX of XXXX and Wells Fargo employees in the re-entry and home preservation department are not assisting me. Wells Fargo employees from both departments are nasty and hang up the phone when I call. No one is willing to assist me with the loan modification or rectify the payments I missed from their covid mortgage assistance program. I fell on hard times and missed some payments but I want to stay in my home. Me, my wife and son would be homeless if Wells Fargo have their way. I believe they're trying to take my home instead of assisting me with the missed payments. This is a brief summary of what I've been dealing with, with Wells Fargo. I have been lied to and lied on by Wells Fargo employees. My wife and I are currently in bankruptcy and Wells Fargo are trying to remove the protective stay so they can take my house. Please help, my wife and I are XXXX. I'm also a veteran of the United States XXXX. I served and fought for my country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have two {$400.00} atm withdraws taken from my account and I never authorized it. I made a fraud complaint and they denied it saying it wasnt an error. I live in XXXX Texas and was working at the time when the two transactions were taken from me in XXXX XXXX Texas
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Wells Fargo XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter in English and Spanish about your companys program, XXXX. As far as I understand, the condition which requires XXXX means I have the account which I do not authorize the third party to use. However, as far as I remember, my accounts, which opened before the Pandemic were closed completely after official announcement of identity theft by your government organization in the United States. At least, I received a letter of confirmation of the closure of the account from Wells Fargo itself. Anyway, I do not have any means to check the bank activities, since the business email address, which was disappeared was unable to check at all, because the host of the business website, which connects to this email address, unable to solve the issue to recover my website and the issue has remained unsolved and I have never received any procedure with this host, XXXX, which used to be XXXX Small Business Website Host company. If you want to complain or wish me to find out how to check my closed bank accounts with Wells Fargo, please ask XXXX, to fix my website and then I will pay the host fee and make sure I will update all information regarding my business matters. Since I do not know the reason why I need to sign the document, which you have sent, I will not sign this letter to the XXXX XXXX. And you stated that I have contacted Wells Fargo on XX/XX/XXXX of XXXX ; however, I do not remember that I have contacted with your company regarding unauthorized account of your bank. I hope you will recheck this matter to clarify whether I have connected with your company for the unauthorized usage of your bank account, since I consider your bank must have some monitor system if I called. Or you must have kept the written document to clarify the matter. Or somebody else, who stole my identity might have contacted with your company. Then, you need to notify officially to the authority. Therefore, I will keep the English version without signing. And I will return the Spanish version, which I do not need at all due to unfamiliar language for me, and please never send me the documents in Spanish. Of course, this matter will be reported to Consumer Financial Protection Bureau. Also, I wish you will use the proper format letter pad, which has the logo color Red. Sincerely,
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: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX has falsely place a collection on an account that has been paid for over 10 years. This the same debt I filed a complaint about, previously. I keep getting called because my paid off debt keeps getting sold. Ive had no contact with this particular company or I would have offered up the debt satisfaction letter. This is negatively effecting my credit and its bad business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68510
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: WELLS FARGO BANK reported to merchant XX/XX/XXXX and bank and bank has not been communicating and claims reports hasnt been filed in system and have zero to little information and has not closed account or sent new card out. and continues to delay the 10 day period for status. They deliberatley have not communicated and will not transfer to correct fraud department and say they are busy and to call back. Bank is not protecting their costumers and leaving them to deal with fraudulent and unauthorized transactions to the customers and telling them its our fault. when clearly they have been negligent on their lack of investigations as they claim to do so. XX/XX/XXXXXXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXXXXXX CA XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$1500.00} total amount- {$2500.00} fraudulent account transfers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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 ( XXXX XXXX ) sent the below email a week ago, thinking my account was handled as at that time it was. 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 XXXX 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 Federal Reserve. 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 : Wednesday, XX/XX/2023 XXXX PM To : XXXX XXXX Subject : We received your concerns Wells Fargo logo Wells Fargo Case number : XXXX Account number ending in : XXXX Dear XXXX XXXX : Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Whats next Well respond within 10 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. to 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. 2023 Wells Fargo Bank , N.A .
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: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I did an online search for banks who were offering a promotional bonus to open a new checking account and came across Wells Fargo offering {$320.00}. XXXX XXXX XXXXXXXXXXXX This offer is available in-branch and online and gives a {$320.00} bonus when opening a new Everyday Checking account and doing a total of {$1000.00} in direct deposits within 90 days. Once enrolled, I immediately updated the direct deposit with my employer to meet the qualifications above. The offer either requires you to click on a link to open online or use a bonus code at a local branch - I chose to follow the link to open online. First Wells Fargo tried to tell me that I had not met their promotional guidelines in a timely manner. When I proved to them that was not true, they changed their story to now telling me that I did NOT use the link on the online offer webpage. This is extremely frustrating because how can I prove that I did, other than the fact that I saved the information online? The only other way I could open this account is to go directly through their website. If I had done so, why would I jump through all of their qualifications stated on their offer to qualify for the promotional bonus?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A