Date Received: 2023-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX : Bank Fraud occurred in Savings XXXX XXXX. Purchase bank check or draft : {$7400.00} XX/XX/XXXX : Bank Fraud occurred again in both Checkings and Savings Acct at Wells Fargo 1. cash XXXXXXXX, {$2500.00} 2. online transfer : {$7500.00} 3. purchase bank check or draft : {$6700.00} XX/XX/XXXX Bank Fraud occurred in Checkings : 1. Cashe e-withdrawl XXXX {$2.00}, XXXX XX/XX/XXXX Bank Fraud in Checkings : 1. Online transfer : {$7.00}, XXXX XXXX. Purchase bank check or draft : {$7.00}, XXXX XXXX cash e-withdrawl : {$1900.00} XXXX : Filed XXXX different claims with bank ; called XXXX XXXX, requested new debit card, changed usernames and passwords to online accounts XXXX : Went into bank brank and opened new accounts to prevent more bank fraud, was told the decision on the claims would take XXXX business days. XXXX : XXXX claim credit was deposited back into Checking for " ewithdrawls '' in amount of {$4100.00} and {$2500.00} was deposited into XXXX. Still missing claims are for multiple " purchase bank or check draft '' that I reported were not me. No responsese received via mail, or email. Called Claims dept. today, XX/XX/XXXX and was told my claim was denied because of " pin verification number used '' I asked to speak with supervisor and XXXX who made decision but was only told I would get a call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Complaint against Wells Fargo Bank ( WFB ), N.A. I have a XXXX Credit Card issued by WFB, N.A. It was issued at a special rate of 0 % APR with 24 equal monthly payments and used to purchase flooring. I set up XXXX Web BillPay which automatically mailed payment checks for {$280.00} to WFB for arrival by the XXXX of each month before the XXXX due date. This process for paying WFB worked successfully for ten months straight. However, on XXXX, I received an email from WFB stating that my payment was recently due. I called their customer service representative who told me that my payment was not received. I checked the XXXX Web Billpay status and it showed that the check for the XXXX payment had been mailed to WFB. I concluded that the check was lost in the mail and put a stop check on it on XXXX. I told WFB customer service that I would make a double payment of {$570.00} in XXXX to keep the account current. I made the XXXX payment for twice the monthly amount due using XXXX Web BillPay. On XXXX I received another email from WFB saying I had missed two payments. I called and made a payment to cover both months over the phone that day. This time I assumed there was a problem with the Web BillPay because XXXX had sent an email the day before stating that there had been a problem with processing the WFB payment. On XXXX WFB placed a 30-day late payment on my credit report. I initially contacted WFB to have the 30-day late label removed from my credit report based on the extenuating circumstances. They sent a secure message on XXXX through open message that was only available until XXXX stating that my stop on the check caused the XXXX payment to be late. I did not make a copy of the WFB email response through open message. I also did not have time to fully investigate the matter because my teenager was diagnosed with a serious health problem in XXXX that involved XXXX surgeries and is still ongoing. Later, I started looking into the matter more closely as time availed. WFB did receive my XXXX payment on XXXX according to the XXXX statement, but instead of it being credited to my account in XXXX as it should have been, it was delayed and credited a month later. However, during the time it was lost at Wells Fargo, I had placed a stop payment on the check and it never posted to my XXXX account. WFB also received my double payment in XXXX before the due date and before the XXXX payment was 30-days late because they deposited the check on XXXX as shown on the back of the cancelled check. XXXX stated that WFB had refused payment on XXXX because WFB had deposited it into an invalid account. I have included copies of the cancelled check for {$570.00} with its WFB deposit account information ( XXXX TX XXXX, Acct. # XXXX XXXX XXXX ) and the WFB deposit account information for checks that were successfully credited to my account ( XXXX NC XXXX, Acct. # XXXX XXXX XXXX ). The deposit account numbers are different. The XXXX double payment was later refunded into my account in XXXX. A refund for the double payment was not initiated by me or XXXX. I have written WFB dispute resolution team several times over the past 5 months and sent the following documentation as I came across it : Copy of the check cashed by WFB for the XXXX payment for twice the monthly amount due. My XXXX bank statement showing the double payment posted to my bank account before the XXXX payment was 30 days late. I pointed out that the double payment check was indeed deposited into a different WFB account from all the other successful payments ( the deposit information was on the back of the cashed check ). Copies of the check confirmation form from XXXX Web BillPay that both the XXXX and XXXX checks had been mailed out for XXXX of the month arrival dates. Copy of my XXXX credit card XXXX statement showing the XXXX payment was not credited to my account until XXXX but showed it was received on XX/XX/XXXX. Copy of my XXXX credit card XXXX statement showing the double payment was never credited to my account even though the check was cashed by WFB. The WFB Credit Bureau Dispute Resolution Team finally reviewed my case after I was connected to support staff who opened the dispute for me. ( Prior to that, the Credit Bureau Dispute Resolution team sent me at least four form letters asking for specific information. When I called the dispute resolution customer service representative, he was unable to tell me what information was missing and suggested I send everything again which I did. During my conversation with the support staff, she said the dispute resolution team had not opened a case because I had not included my account number. However, my account number was included on the documents I sent them. ) The Credit Bureau Dispute Resolution team concluded that their information is accurate and will not remove the 30-day late penalty on my credit report. They did not explain why the cancelled check, XXXX bank statements and XXXX statements were not enough proof for removing the 30-day late payment from my credit report. Wells Fargo Bank misplaced my payment checks causing them to not be credited to my account in a timely manner or at all. This happened again recently. Wells Fargo Bank returned my payment for XXXX stating that they did not know where to deposit the check. However, the month before they did and this is the crux of the problem. Wells Fargos misappropriation of my payments resulted in the 30-day late payment label being added to my credit report and now I am being penalized for it. I would like the 30-day late designation removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: Good morning, this complaint is about fees owed at closing of my home in XXXX i purchased this home XXXX and sold it XX/XX/XXXX at closing i was informed of a third mortgage ( partial claim ) that was submitted in XX/XX/XXXX without my knowledge. i believe that WF fraudulent submitted a claim on my behalf without my knowledge. as looking back at he previous complaints, in XXXX was concerning HOA not Wells Fargo. the day of closing when i sold this property there was an estimated XXXX that i had to pay to XXXX XXXX XXXX, HUD. at this time i was current with all mortgage payments and the lien ( HOA ) was satisfied. NCHFA also provided payments to WF in XXXX ( see attachment ) also WF took a form from XXXX for hardship and made it look like i had requested help in XXXX on the hardship form, there is no signature or date ( you can visibly see lines where they copied it onto another document and computerized the date ) i didn't need a partial claim. i have requested this info from them on 3 different occasions, no response. " 1. I am requesting a printout of all monies received from the NCHFA 2. All payments made from myself XXXX XXXX XX/XX/XXXX ( when the property was sold. 3. Copy of the partial claim you filed because of loss mitigation in XXXX '' current day, no info provided. WF never provided where the monies from NCHFA went towards. nor proof of the monies to bring me current XXXX. again why was a partial claim submitted and a robotic signature was used to sign the fraudulent claim original date of purchase XX/XX/XXXX {$130.00} sold XX/XX/XXXX Paid roughly {$150.00} this was more than what i bought the house for. i am requesting all my monies back from closing with interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed for {$600.00} through XXXX for a nonauthorized transaction, and my bank says I authorized it when I didn't. I found the user and his alt account through XXXX and even XXXX XXXX, and now I'd like my {$600.00} back from him and would like to press charges. XXXX account my money went to is XXXX to XXXX XXXX on XX/XX/XXXX Ref # XXXX for powerblocks kettle bell and stand ( which clearly I dont have ). additionally I found his alt account on XXXX as XXXX XXXX email XXXX and for XXXX XXXX XXXX XXXX he's clearly a scammer on XXXX from what ive found. I reached out to my bank and said it was authorized by me which again if they look up the account the money was sent to its clearly fraud as nothing was sent to my address remotely close to the description in the XXXX notes. Dude is a scammer and I need my money back from him asap. XXXX police report numbers XXXX is my XXXX report number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78739
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They were in my account and overdraw my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened this claim XXXX, the claim was denied without requesting any information, just denied. I have the invoice and order receipt showing that the merchant must sent the purcharse to my address and a specific delivery date that wasnt followed. I never get the order. Attached goes the order receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I checked in to the XXXX XXXX XX/XX/XXXX and XXXX. Both times I had to deposit {$50.00} more for the hotel incidental fees twice. After I checked out on XX/XX/XXXX. I was told both of {$50.00} that totaled to {$100.00} will be sent back to my card account 3-5 days. Friday arrives I still didnt have my money deposited back into my account. So I called and got the manager XXXX XXXX on the phone who was very rude and used me being loud as an excuse to hang up the phone and tell me she wont be returning my money back. Although I let her know I took a screenshot of my account balance being back to {$6.00} before and after the transaction both times. She also, informed me how I couldnt take screenshots of the account. My money was never returned to me. I then called Wells Fargo who stated that they dont see the transaction of the {$50.00} deposit twice even though I have a screenshot of the monies being deposited and the ending balance after purchase of the room. Therefore there is no debate on the whether or not the transaction existed. Wells Fargo then informed me that they couldnt help me because they dont see it in their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07026
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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: 92677
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The month of XXXX XXXX XXXX I accidentally came across documents and statements of many accounts in my name that I wasn't aware of. I addressed wells fargo and they recommended mediation for unarthorized accounts that were open in my name. We settled at XXXX which was paid out fairly quick. I begain to notice other activities that don't add up. I discovered the method they used to merge unarthorized accounts with your current active accounts. I requested mediation to solve this new issue along with dozens of different accounts since XXXX that I never owned. It's been almost 2 years of reaching out to Wells Fargo but all my accounts and history is deleted. I can't request a statement and I'm ignored or hung up on 99 % of the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Different items were added to my car loan without my knowledge and my vehicle was repossessed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A