Date Received: 2023-09-05
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ Wells Fargo and XXXX XXXX ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: Wells Fargo claims I missed a payment in XX/XX/XXXX, and I have continued to pay monthly for the past 3 years several days before the due date, assuming I was caught up on the loan. Because the next payment happened before the 30 day mark and after the 15 day mark for late fees, they have charged a late fee every month for 3 years until my mortgage was sold to XXXX XXXX. I was unaware of the charges during those 3 years, and only discovered them upon the sale of the mortgage. I accrued {$1000.00} in late fees before I discovered them after the sale. I never received a call about the late payments or fees in those 3 years. I never received a mail notifying me of late fees in those 3 years. I did received letters notifying my when a payment was short for escrow of the full amount due, to which I would make up the payment per the instructions, but they were not informing me that they payments were late. I changed my name on the mortgage documents in last year and was not notified that I was accruing late fees. Based on these interactions, I was lead to believe I was current on my loan. I have had my complaints escalated 3 times now. I went to the branch in XXXX XXXX Utah in person and complained XX/XX/XXXX. I complained about the issued XX/XX/XXXX on the phone with their customer complaints department where I was given no information. I complained again on a phone call on the XXXX, where they informed me that they had made calls to my cellphone number. This is untrue and claim they have records of the call. I asked for recordings, but have not provided me with evidence that these calls happened. They claimed they sent mail. I have other mail from Wells Fargo, so I know they have the ability to contact me, but I never received a notification that I was accruing late fees every month. I was contacted again by the executive complaints department today, where they claimed again, without evidence, that they called me. This is untrue. They said the same thing as before. That they have records of the call that they can't produce for me. They have late notices mailed, I still haven't seen any proof. All the other financial institutions I have worked with had the decency to contact me when errors occurred and I have always made arrangements to get them resolved. I have a very good credit score ( XXXX with XXXX, ) and always make an effort to pay on time. I was taken aback that someone with my credit score could be back 3 years on late fees. Never have I had a business be so content with milking me for fees. Wells Fargo has a history of unethical business practices. Under the terms of a court order in XXXX, Wells Fargo will pay {$2.00} XXXX to millions of customers who were harmed. The bank will also pay a {$1.00} XXXX fine. I feel I have also become a victim of their culture of charging excessive fees without properly informing me. 3 years of fees is overly excessive. If the point in fees is to ensure people pay on time, this has been a massive failure. It has only made it more difficult to pay my bills. Not knowing about these fees is just proof of the greed of this corporation and its willingness to exploit its customers. I have also had to take time from my day, often at work to deal with the complaints department. They took advantage of the chaos of the early pandemic to start a chain of events that has cost me {$1000.00} in fees. Their complaints system has only left me angry and frustrated with the company. They seem to be mainly concerned with protecting the money and care little about what I have had to go through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a credit card in the mail showing that a credit card account had been opened without me knowing. I called on XX/XX/2023 And filed a fraudulent card ask that it be closing everything removed regarding this card. On XXXX I received a phone call saying they were working on it and investigating and that everything would be fixed if they found it was actually fraudulent. However the account had not been closed. I am concerned about how this is being handled and that they will not properly correct this. I want no record of this card on my credit or anywhere as I did not agree to this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used the XXXX XXXX to make several purchases during " rent day ''. Some are switched purchases but some are also direct purchases. I used to earn points on such purchases, but XXXX refused to award me the points this time. They quote that the XXXX XXXX XXXX has excluded such purchases but XXXX never notifies me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I have had a mortgage with Wells Fargo for years. During Covid, I was contacted about pausing mortgage payments due to the economic conditions during the pandemic. I asked if it would in any way add to my payments and I was told emphatically, " no ''. I asked numerous ways to make sure I had a clear understanding. I was told that basically my payments would stop and then after the government/banks figured out what was going on in the economy my payments would start again. As an example, if my mortgage balance was XXXX when I paused payments, it would remain XXXX when I started again. I called no less than 5 times during Covid to reiterate that what I believed was correct. I was told various degrees of " well, we will have to wait to see but it will not increase your payment at all. '' When I did resume payments, I was told that the $ XXXX in payments I had not made yet were now at the end of my loan but " not to worry as Wells wasn't charging any interest on that. '' I am college educated and was very lucid in my questioning. Now, it seems that they want me to pay this back when logically there is nothing to pay back if it was truly " paused '' which is what I was told more than a dozen times. I don't think this is right and with Wells being fined more than {$2.00} Billion, they have shown they are not doing honest business with people. I am sure they took government handouts during Covid but still took it on themselves to XXXX people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/23 I received and Credit Inquiry from XXXX XXXX. A lender had reviewed my credit and an alert showed it to be for someone trying to open a credit card at Wells Fargo in my name. No amount has been taken as of yet, but it seems a card has been opened or at least attempted to be opened in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Below is a description of a scam that my husband and I were victims of. Our complaint against Wells Fargo is that they didn't ask one question about a {XXXX} cash withdrawal which is not characteristic of our activities at the bank. At XXXX on XX/XX/23 my husband XXXX XXXX received a call that sounded exactly like our grandson XXXX XXXX. ( just we now believe it was artificial intelligence because he had gotten a scam call on XXXX and his mother thinks they got enough of his voice to use artificial intelligence ) He said that if we would bail him out the money is fully refundable, We had every reason to believe that the voice was our grandson XXXX XXXX at the time. XXXX said that his public defender would call with details. XXXX XXXX heard What sounded like a guard to unchat time was up and we hung up. XXXX also begged us not to tell his mom. At XXXX a man who identified himself as a lawyer, XXXX XXXX, ( XXXX ) called and convinced us to use cash to bail out XXXX because all other methods would take davs to clear and we couldn't get him out of jail until then. XXXX said to call when we had the cash. We went to Wells Fargo and withdrew {XXXX} at XXXX AM. XXXX said that the full bail was XXXX but that we needed to pay a bail bondsman XXXX. We wanted to pay in person but he said that the only bond company that participates in the pre-trial intervention program ( to keep XXXX 's name out of the public records because he is XXXX ) was in XXXX XXXX so they would have the money sent by courier. The name of the person we were talking to about the money transport was XXXX XXXX and his number was XXXX. He gave detailed instructions about a hand written receipt to write and put into the envelope and they gave use a case number and confirmation number for the delivery. After we handed over the money to the courier ( it was XXXX or XXXX ) at approx. XXXX we waited. Then XXXX said this happened in XXXX and that XXXX was in that jail. We said that they could transport him to XXXX. At XXXX XXXX XXXX said that they needed more money than he had a para legal that called himself XXXX XXXX ( XXXX ) call with updates about XXXX being released. Then XXXX XXXX called XXXX and XXXX and said that he had bad news-the baby died so they were charging XXXX with XXXX XXXX and the bail was raised to {$220000.00} and they needed {$13000.00} additional. We started asking questions to have them verify their identity. We decided that we needed to call XXXX because we finally realized that the whole thing could be a scam. We called XXXX and he was fine and at home. That's when we realized that we were the victims of an elaborate crime. My wife called to file a report with XXXX Police and is waiting for an officer to contact her. At XXXX after we knew we had been victimized, my wife called XXXX XXXX and has a conversation with him to get his voice recorded. We have the recording with him admitting that the money we gave the driver ( XXXX or Victims : XXXX XXXX and XXXX XXXX XXXX XXXX was delivered XXXX minutes from our house and other incriminating information. XXXX police report # XXXX XXXX XXXX badge # XXXX Attorney General report # XXXX FTC Report XXXX XXXX 's XXXX XXXX XXXX 's XXXX XXXX Wells Fargo claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Monday XXXX XX/XX/2023 I withdrew {$980.00} from a different account and attempted to deposit {$900.00} to my WellsFargo account ending in numbers XXXX. The same {$50.00} dollar bills the atm discharged then starting to make an issue over XXXX of its own bills listing them on the screen as check XXXX {$50.00} bill and check XXXX {$50.00} bill as it is scanning its own bills. I recall a notice that it would return the items but it started a maschine process which kreated a sound like the atm was counting the bills after the notice on the screen regarding those XXXX bills XXXX-ONLY deposited {$800.00} from {$900.00}. I immediately checked my texts, my account, my e-mail but there was no {$900.00} ONLY {$800.00} and an e-mail that said there was a problem returning my items and if it was cash call the number provided. I called the number provided and it was ONLY a call center and the woman claimed she was in the XXXX. She stated the only thing she could do was start a claim for my {$100.00} stolen by the atm which I did immediately. REFERENCE # ALLEGED XXXX. She stated it kould take them up to 10 days. She REFUSED TO SEND ME AN OFFICIAL BANK E-MAIL FOR THIS ALLEGED CONVERSATION AND THE ALLEGED FILING A CLAIM! Today after work I went to the XXXX XXXX XXXX XXXX branch of WellsFargo to speak to a banker to meet with whoever counts down and loads the atm and checks for desceiprencies and and I was told that it wasn't their atm they took no responsibility for the atm and they DIDN'T know who was responsible for the atm between some XXXX appearing guy coming from a back office who was then talking with some female that was sitting at the XXXX most side of the building behind the protective barrier that you never knew was there until that guy turned to talk to her who he stated was his manager for what to do bekause I didn't have a qr code reader to schedule an appointment. I WAS DENIED TO SPEAK WITH A BANKER BECAUSE THEY WERE TOO BUSY, despite she was sitting back there and was the manager I have to go on-line and schedule an appointment despite I ready had to take time out of my days a second day for their koreuption! I have never heard such a coordinated set of lies and obnoxiousness to refuse a customer to speak with someone and LIE ABOUT NOT KNOWING ANYTHING ABOUT THE ATM 'S. THAT IS ON THEIR PROPERTY WITH THEIR SYMBOLISM. No matter what koreuption the ceo 's might like to do this is proof enough that all wells fargo employees should be arrested bekause they are the driving force of these korruptions. This only started occurring in the last +-month in XXXX XXXX XXXX XXXX XXXX ) locations ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, and yesterday through today the pathetic robbing and lies of this XXXX XXXX branch klearly indicating they reprogrammed those atm 's to rob the people to pay themselves in their kushy positions. It is time for more of these staff to be arrested if they won't take accountability for the koreuptions of the banking cartells with a racket over the people through their korrupt politicians after already under-paying all of us! This was either the third or the fourth time through these ( XXXX ) atm locations that I had to stop the transactions of deposit bekause the atm refuses to recognise the same bills as what it diapenses. This time I don't know if I got a different message as on the other XXXX atm 's why I believed the message that it sould return the ( XXXX ) bills that it listed as check XXXX and check XXXX possibly dream warfare sickness lowering my gutt instincts but unfortunately XXXX XXXX I believed it would kredit me the {$800.00} deposit and return the ( XXXX ) {$50.00} bills it was rejecting but it kept the bills. XXXX It had more kapacity then the call center yesterday in the XXXX, thecall center today in XXXX XXXX and which this alleged XXXX who then shoved me off to an XXXX at undisclosed location and duty function who ALLEGED she put out a report to the Department of atm Operations but emphatically stated I would NOT receive an e-mail, a text, a letter regarding the conversation or the events that are being done by the Alleged atm department. FURTHER- This Alleged XXXX stated the Claim # for my {$100.00} STOLEN was XXXX and that the # XXXX was a case number not the claim number clearly indicating that WellsFargo is NOT taking responsibility to train and EMPOWER their staff for normal Legal documentation the government requires us to do as humans despite they are a XXXX corporation! The Alleged XXXX stated the reference number for the Alleged atm complaint was # XXXX. Mind you with a previous dispute over a false merchant charge from I recall the pit crew on cornhusker in XXXX XXXX and the false charge of XXXX from an XXXX company despite convincing evidence of these merchants korruption they refused to process my claims and both were through off-shore agents. I am counting on you Folks to help bekause the biggotry of those in these different affluential and other positions weilding a power against the people to rob them depends on your oversight to stop them and make them pay back their robbery victims. I appreciate the help, thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX there were two atm transactions for {$63.00} at an atm in XXXX XXXX XXXX. Having never been there I filed a claim with the bank ( Wells Fargo ). Wells Fargo investigated the transaction and wrote me a letter telling me they determined either myself or someone with my permission had used the atm in XXXX. I immediately called and asked how they had that determination and they said the atm showed that the card was used and therefore it had to be. I asked them to explain how that happened when I was with my card in XXXX XXXX and they couldnt provide that information. Obviously if this can happen once it can happen again with a much larger sum of money and since the bank wont remedy this situation Im not sure what to do next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has voilated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81005
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A