Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I disputed this account on XX/XX/XXXXXXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am writing to express my deep dissatisfaction with the lack of response and action regarding my attempts to adjust the principal balance on my account. In the months of XXXX, XXXX, and XXXX of XXXX, I sent multiple checks and clear instructions via certified mail to request these adjustments, and to my utter frustration, none of them seem to have been acknowledged or processed. I have reached out to your customer service on numerous occasions in an effort to follow up on these requests, but I am yet to receive any tangible results or even a satisfactory explanation for the delays. It is incredibly disheartening to be met with such indifference and inaction from an institution that I have entrusted with financial matters. I would like to draw your attention to my concern that pursuant to 18 USC 8, I am not in debt, and all of my accounts should be considered prepaid, as per the XX/XX/XXXX act. Therefore, I am left baffled as to why my simple requests for adjustments have not been addressed promptly and efficiently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Well I usually keep about XXXX in my XXXX business accounts and maybe XXXX in personal account. I received alert asking if I was aware of a transaction from XXXX I hit no I dont. So my card was blocked and gave me a chance to look through charges that was on XXXX XXXX Claim number-XXXX totaling {$670.00} well that was denied a couple hours later. Since it would only allow me to do XXXX Transactions at a time I have another claim same account ClaimXXXX for {$560.00} that was approved but couple days later they stated they will be taking the money back on the XXXX. We I looked up what XXXX was and its a betting gambling company which I dont gamble. So then I get another alert on XX/XX/ from my other account am I aware of transaction I said no. Well when I looked on that account it was XXXX charges so a course I had to call in to do the fraud claim totally {$6900.00} So the lady ask do I have my card I said yes. Did I let anyone use I said no. Did I ever do business with the company I said no I dont gamble. Was my card in my possession the whole time I said well I was in hospital XXXX days which I left my wallet home. I stated that my daughter had party when I was gone thats the only time I can think of that I didnt have with me. She said ok I filed claim and you should receive a credit with in XXXX days. Couple days later I said omg I need to check my other account I almost passed out Claim-XXXX XXXX charges total {$21000.00} all from the same site all starting from mid XXXX. I called again they ask same questions. I said I dont gamble period and I didnt authorize. I need my money. So I received a phone on XX/XX/XXXX saying to call Wells Fargo they have a couple questions and the reference number anyone can help. So I called XXXX times they act like they dont know what questions they have and just keep saying processing. I keep saying well why do you guys call and tell me to call and then I do and nothing. Today I received another call saying if they dont hear from me that will be making a decision with what they have. I called all day cant get through and when I do nothing they just see processing. Im very concerned they already denied the first claims the smallest ones for {$570.00} and {$670.00} so the will definitely be denying the XXXX big ones. I asked for information on why the small ones where denied they stated will be sent. That I made the charges which I didnt and dont know who stole my cards information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ok XXXX XXXX there was a bunch of {$5000.00} charges on my Wells Fargo account that was unauthorized. The total came out to {$59000.00} from XXXX that they charged me. I called my bank and filed a fraud claim because the transactions were not authorized by me. Wells Fargo denied my claim because they said that I have done business with XXXX and I have to deal with them directly and they gave me this number XXXX which when I called is the XXXX XXXX XXXX XXXX, not XXXX. Wells Fargo pretty much said I had to deal with the merchant directly and gave me a number that doesnt belong to them. When I contact XXXX, they told me to contact my bank and file a claim and my bank would be able to help me, but that doesnt seem to be the case. Please help me get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Wells Fargo was running a promotion in XX/XX/2023 to increase deposits at the bank. On XX/XX/2023, I took my lifetime savings and I opened a 5 month Certificate of Deposit ( CD ) at Wells Fargo Bank with the caveat that a bonus will be awarded after 90 days of the CD being opened. The bank specified that the bonus will be deposited within 30 days after meeting the 90 days condition. The bonus was never deposited even though we have met all the conditions. I was told that the bank needed more time to research why the award was not deposited. The bank asked for 10 business days to research the issue. After the 10 business days lapsed, they came back again and asked for another 10 extension to research the issue more. 20 business days have lapsed and now the bank is coming back and asking for another extension. Wells Fargo has all the information required to resolve this matter. After being with Wells Fargo for 27 yrs, I am disatisfied with how they are ethically running their promotion programs. It is not comforting to know that a large financial institution like wells fargo can unethically be so evasive and not meet its customers ' obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: They are stating I owe an Alleged debt, which I do not owe. they have not provided proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: While traveling in XXXX, specifically in XXXX, on XX/XX/2023, I attempted to withdraw money using my Wells Fargo ATM card. Upon reaching the ATM machine, I noticed the unfavorable exchange rate applied by that particular bank and the additional " commission fees '' being imposed. I had read online that in XXXX, various banks employ different types of FX rates and fees, so it's advisable to compare options before making a withdrawal. I visited four different banks in the same area but couldn't find a reasonable exchange rate. Each time I attempted to check the exchange rate at the ATM, a screen displayed the cost in US Dollars and the commission fee to be charged. At this point, the ATM provided the option to either " cancel '' or " continue '' with the transaction. I chose to cancel all four times, so no money was dispensed to me. However, after four months of what Wells Fargo claims was an investigation, they are asserting that two of the four transactions actually disbursed money, which I strongly reject, as it is false. They are currently refusing to refund me, and it's worth noting that this isn't the first time Wells Fargo has caused me financial inconvenience through their lengthy and bureaucratic processes. Approximately three years ago, a similar issue occurred, but I chose not to pursue it further due to the significant time, effort, and stress involved in attempting to recover my funds. I've reached a point where I can no longer tolerate such experiences
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please refer complaint # XXXX YOUR COMPLAINT I have a wells Fargo business and personal checking account. I called at XXXX XXXX central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me. Please refer to the response from Wells Fargo Unfortunately, we stopped accepting foreign checks from XXXX in XXXX. Another option to receive funds from XXXX is a foreign wire. How come they are calling me XXXX? It's a great offense to call an XXXX origin purpose as XXXX. This is ridiculous that I am having this account since XXXX and visits the branch at least 3-4 times in a year. This is the worst KYC. I feel quite offended and insulting that they are calling me XXXX. Historically XXXX is one of the biggest dreaded sworn XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Wells Fargo letter to CFPB Complaint Number XXXX is misleading and dishonest. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX and XXXX XXXX, Wells Fargo needs to answer the following from Complaint XXXX That is on ( attachment c-3 ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A