Date Received: 2023-09-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I reported my card stolen. I told the agent that my card was compromised because my phone was also stolen and it had my pin number. After receiving several emails every two days up until XX/XX/XXXX, stating that they were still investigating the claim all of the sudden I was told over the phone when I called on XX/XX/XXXX, to inquire about the status, that on XX/XX/XXXX they determined that there was no fraud on my account. I never received a letter, email or a call in regards to their decision. There was {$1800.00} worth of unauthorized charges on my business account. I did not make any of these purchases and I would like to know how they determined that the charges are not fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! It has been a defamation of my character Company name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: looking through my credit report i saw that wellsfargodealersvcs gained unauthorized access to my credit report on XX/XX/2023 this cause a dent on my credit report. this is a violation 15usc1681n
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ok so two things. On XX/XX/23 I went and deposited two checks totaling {$4500.00}. These checks were given to me as a payment for 7 XXXX This morning ( XX/XX/23 ) the checks fully posted to my account and i thought this was all. Now at XXXX today i see my account is overdrawn and I called Wells Fargo and they said the check has been altered but I dont see how thats possible when the check was posted? I accepted the check mainly because I thought you cant return checks. And Wells Fargo said to wait 10 business days for a response how am I supposed to live that long without my bank account or my money. The second thing is this morning when I went to see if my check posted I see unauthorized transactions from my debit card which I also disputed as fraud and ordered a new card. All in all I am basically down around XXXX $ and they cant do anything about it but expect me to wait 10 business days for a decision? This is ridiculous I am strung out left to dry with no money and cant even use my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX auto loan approx {$42000.00} from XXXX, XXXX no payments reported to credit bureau after XX/XX/2022. I was made aware of the situation upon trying to trade my vehicle in and the dealership told me I could not trade a car in that does not belong to me. This was very emabarrasing and humiliating. The salesman said nothing is on your credit report showing you have a vehicle in my name. It was also a slap in the face considering my payment history was excellent but due to not being reported it was no help to my credit score. With that being said the request for the down payment amount could have been lessened or avoided altogether if I had proof of payment history on the auto loan from Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was contacted by someone claiming to be with XXXX XXXX XXXX by the name of XXXX XXXX extension XXXX. The number he was calling from was a real XXXX number. He told me a checking account was opened in my name and that they had received some suspicious XXXX transfersnone of which I had ever done. He said my account ending in XXXX was opened on XX/XX/XXXX. He said the last transaction was a transfer to XXXX XXXX for {$980.00} and {$1000.00}. He said there was an ATM withdrawal in New Mexico for {$300.00}. He gave me case no. XXXX. He told me to call XXXX immediately and gave me cancellation code XXXX. He said to call XXXX at XXXX XXXX and to press XXXX for sales support. The number he gave me was a real Wells Fargo number. I called the number and I spoke with someone claiming to be XXXX, names XXXX XXXX of customer Service. ID XXXX. He then had me set up a XXXX recipient as XXXX XXXX on the phone under the premise that I enter the cancellation code into the payment amount and no money would actually be sent. I never consented to sending any money. He also gave me a memo number to fill out. I asked him to send verification that this was actually XXXX. He sent an email under the domain name XXXX. Then when I entered the cancellation code into the payment to XXXX it came out to {$1900.00}. He said this amount will not send and that I should receive a text message so that no funds would be taken out of my account. I followed his instructions and the funds were taken out of my account and I never got a text message. Then he said there was an IT issue so he put his manager on the phone. The manager 's name was XXXX XXXX. He said my number was not getting recognized and someone had cloned my phone number so that's why I wasn't getting texts from XXXX. He had me go into my XXXX XXXX and add my debit card. He had me set up XXXX XXXX with no balance and tried having me send XXXX XXXX but assured me it wouldn't work because I had no funds in XXXX XXXX He then said that they're sorry for the inconvenience but XXXX will be issuing a refund and someone will call me tomorrow XXXX at XXXX to confirm. I then reported all this to my bank, Wells Fargos fraud department. Someone claiming to be XXXX refund department did call me back at XXXX XXXX on XXXX XX/XX/XXXX on a non- legitimate number and I told them I am reporting fraud and they hung up. I never received a refund from either XXXX or Wells Fargo. I filed a police report with XXXX and XXXX XXXX department. I also filed an FTC report. Wells Fargo denied my claim even after I gave them my police report numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Please see previous complaint, WF didn't resolve anything, the rep was just simply a rush to close the case in order to satisfy the CFPB in my opinion. The issue has not been resolved, and is potentially a discrimination case now due to National Origin in my opinion. I spoke to global remittance supervisor, and she agrees that I am not the only person this has happened to, but every time they tell the tech team about this, they come back and blame the customer for some reason. Even initially, the global remittance team told me that I needed to upgrade my browser ( without asking what browser or version I am using ), then after I told him I deal with computer programming and my browser is up to date and is the latest version, then the person said I now have too new of a browser ( lol, so I said make up your mind, which is it ) The company has a lazy policy and not in any way a prudent nor due diligence response. WF closed out my response when I informed them not to, because they called me today and transferred me to another department knowing the issue was not resolved. I clearly informed them not to close out the response after the rep said they would close out my case. However, since WF is too lazy to really respond properly, I will tell you what global remittance informed me ( the department she transferred me to ). The supervisor in global remittance agreed with me that it is a tech issue, however she claims after multiple times they informed the tech team due to a backend upgrade, that they claim there are no bugs nor need to patch anything. This is the tech team mind you. However, the supervisor clearly informed me that I am not the only person that has complained about this issue for global remittance. Since WF failed to take this action more serious, I will tell you that after confirming with the supervisor in global remittance, that apparently a lot of accounts are having issues transferring money. Thus, this is now in my opinion a discrimination case due to services for some but not for all for money transmitter and since it deals with national origin, this is a discrimination case in my opinion as most people that send money outside of the USA are different national origin and potentially of different race. Therefore, WF is discriminating against me since we are just simply trying to transfer money to XXXX XXXX. This issue should be looked into more serious for more concerns of discrimination in my opinion. Apparently in my screen, there should be a scrolling button for the page with I accept or I decline, but I do not have that feature. This in my opinion is also a breach of contract, as it is WF responsibility to provide me the service I used for 8 years or so and then all of a sudden they took it back, which forces people now to either wait for a phone rep to come on the line and do the transaction, or go to a branch instead of being able to access it online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Checking account is being closed do to suspicious activity on account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My WELLS FARGO ACTIVE CASH VISA CARD ... XXXX Has a scheduled automatic payment. The amount is described : " $ XXXX $ XXXX '' The disclaimer states : " *An amount within this range will be sent as your automatic payment. Any additional payments applied on or before your due date will reduce the automatic payment amount. '' This payment description is vague, ambiguous, unclear, incorrect, and does not guarantee that the last statement balance will be paid. By contrast, my other credit card, shows a DIFFERENT description for the automatic payment. WELLS FARGO AUTOGRAPH VISA CARD ... XXXX The amount is described : " Last statement balance* '' The disclaimer states : " *You have selected the Last Statement Balance option. The automatic payment amount will be shown on your next statement. This amount will be reduced by all payments posted before your automatic payment is processed on your due date. If these payments meet or exceed the automatic payment amount, no automatic payment will be sent. '' Wells Fargo claims that both of these accounts are set to automatically pay the " last statement balance. '' Nonetheless, the payment amount displayed to me for card XXXX shows a range of {$0.00} {$35.00} and does not state " last statement balance ''. This range of payment does not provide confidence or guarantee that it will in fact pay the full statement balance. Wells Fargo could not fix this problem. Wells Fargo stated their internal systems show the {$0.00} {$35.00} payment range is displayed as " last statement balance '' in their system. The Wells Fargo online portal for credit card automat payments is misleading, inconsistent, and deceptive regarding my card ending XXXX. My case ID for this interaction is XXXX. I was promised a case manager would respond within 10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06830
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Received call on XX/XX/2023 from branch manager stating that there was an issue with my type of address. I explained that I have had to travel a lot for my job and live in an RV. I've used XXXX boxes for my address given that I have to move RV lots often. She understood and said she would make some calls to figure out what could be done for my situation. She said I would still be able to use my account for the time being and they would reach out to me after they found out more. On XX/XX/2023, my debit card was declined even though I had sufficient funds in my checking account. I called customer service and they told me the hold was due to the address issue and I would have to go into a branch to get it resolved. I made an appointment with a local branch. One of the bankers called me for more information regarding the appointment. I reiterated my situation to him. He said he would make calls to find a solution. He called back and said that I had to provide a physical address and provide proof like a bill that would have the physical address and my name. He also referenced letters the bank mailed but I never received regarding this policy. I do not have anything that would fit those requirements, other than my XXXX box. I was able to print my latest invoice from my RV Park but that was not good enough because it was a business address and not from the last 15 days or on official letterhead. I asked if they could at least lift the hold temporarily to get some cash from my account so that I can get some cash to get gas so I would able to go home today. They said yes that shouldn't be a problem. When we went to do the transaction, the banker said the system wasn't letting him do it and there was nothing they could do. I asked if I were to close my account, would I be able to get a check with my funds on it. The bank informed me that with the hold and without the physical address, I am not able to do anything. I am not even able to close the account. Ultimately, I have no way of accessing my funds without submitting a qualifying physical address and qualifying documentation, which would be reviewed. Once reviewed and the address is verified, then I would be able to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85741
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A