Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was given a hard inquiry I want removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87120
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: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Wells Fargo is operating in FRAUD against my ESTATE and TRUST claim ownership in my personal property never acquired with them however the mortgage note was fraudulently unlawfully sold to them by XXXX XXXX XXXX XXXX which I already 1099 A and 1099 C and hold copy B for also submitted my w4 process to the IRS, I have no business with WELLS FARGO BANK NA and if thus continues we can take this to the Supreme Court as a class action cause it's alot of XXXX XXXX ready to hop on board, this is fraud why the XXXX the CFPB DONT ADDRESS THAT and stop entertaining WELLS FARGO BANK NA foolishness! If they saying I owe them prove it where is the XXXX XXXX XXXX XXXX documentation bearing my WET INK SIGNATURE prove your claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12901
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: Problem using a debit or ATM card
Consumer Complaint: In Wells Fargo case number : XXXX I was asked to provide more information about the dispute with evidence. The new filing would include all the evidence, IP address investigations, and police reports. Please reach out to me if you need more information for the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84601
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have requested multiple times for Wells Fargo on three different types of accounts to revive verification of the accuracy of the account and then it truly belongs to me. Thats a problem number one problem and two is its past the statue of limitations, and it should not even be on the report and problem number three is XXXX, XXXX, and XXXX XXXX Have refused to provide me any written proof of this debt, or correspond to me in writing on any of my requests. This is a clear violation of my FCRA rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80831
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear CFPB Professionals : I have received no credible response from Wells Fargo Bank in over 2 years of CFPB. Wells Fargo has stranded me again on vacation in XXXX with no credit card. I have had no credits or access to my accounts for 2 years now. Wells Fargo team has taken advantage once again of my travel schedule> I have an active broker, checking and savings account for 4 years. Summary of Account Closing and Failed Credits Complaint : 1. ). In XX/XX/2023 I rented a car from XXXX and Wells Fargo failed to close my account as my card was turned but, but Wells Fargo Security processed the fraudulent transaction ( {$1200.00} ) and lowered my account balances, and took the money. No security or rep follow-up was written and promised on the phone by a young Rep ( details to follow ). 2. ) In XXXX & XX/XX/2023 Wells Fargo closed my checking account totaling {$8300.00} with no credits and disappeared with my money for 4 months. Finally in XXXX or XX/XX/2023 ( 5th phone/letter ), Wells Fargo Rep sent my retirement fund to my XXXX summer address. The Spanish bank put a 30-day hold on thinking it might bounce. Wells was very responsive on XX/XX/2023 within 10 days, magically, they could find a quick trick to keep my money in their holding account. WF immediately sent, via certified an indemnification " TRAP '' letter. See Details. XXXX. ). XX/XX/2023 I am still stranded in XXXX without a debit card or active account and {$5500.00} in credits not received. SEE Detailed Letter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I needed info on why they denied giving me my XXXX back for the XXXX transaction that XXXX had me to a fraudulent XXXX federal account according to XXXX XXXX XXXX XXXX XXXX had me send XXXX to account that did not exist, why they denied a transaction of XXXX dollars happened the same day as the previous fraud in between two XXXX transactions they say the transactions was done with a pin code then I ask how were the other two done that happened at XXXX XXXX and XXXX XXXX when the middle transaction was done in the between those XXXX transactions but they keep denying the fraud also the fact they already owe me an of settlement check that I never received. These complaints are pertaining to claim # XXXX {$320.00} transactions that I did not make and the XXXX claim which was half of the {$2000.00} claim that I never received amounting to {$1000.00} dollars. Part of this is true but I never received {$1000.00} from the {$2000.00} that was supposed to be credited to me, because the XXXX location on XXXX XXXX and the Wells Fargo on XXXX XXXX XXXX both located in XXXX, SC refused my service because of my XXXX XXXXXXXX XXXX XXXX on Saturday XX/XX/2022 while I was speaking with your customer service and you can go back and listen to my call and/or look at the film at those locations. I was inside the branch while talking to your customer service. After they refused to allow me to me withdraw my money, your Customer Service Agents came up with other options, one was a XXXX Transaction and the other was transferring the money to a different bank and I tried both and they both were unsuccessful. I managed to save XXXX XXXX because after they had me to transfer it to my Truist account I called back and stopped the transaction and the ladies at the XXXX XXXX location allowed me to withdraw {$1000.00}, but I never received the other {$1000.00} because the XXXX transaction DID NOT GO THROUGH, NO MATTER HOW MANY TIMES YALL REBUTTAL IT AND SAY THAT IT WENT THOUGH PLEASE PROVIDE ME PROOF CAUSE I NEVER RECEIVED IT.. THAT WAS MY MONEY. Also claim number XXXX is the other transaction that I did not make your dispute team denies it and but the fact remains it happened on the same date as the approved fraudulent transactions were made for {$2000.00} dollars which were transactions that I did not make, and your favorite excuse is it happened with a pin and I say they were all done with a pin and if they were not then how did were the {$2000.00} transactions made or what was the difference in those transaction and/or what makes these transactions different from the {$320.00} transaction that I did not make on the same date as the {$2000.00} fraud transaction was made. Wells will send a document stating something like Wells finds this not to be fraud, who finds it not to be fraud how can you even type something like that without providing any truth or documentation to your lies/rebuttals. I need proof not a Wells Fargo document stating this couldnt be fraud. The fraudulent {$2000.00} transactions happened with a pin code, if it happened differently then please explain the difference in the {$320.00} fraudulent transaction and please explain the fraudulent {$2000.00} transaction and how can you approve me for {$2000.00} and not approve me for {$320.00} which happened same day and time ... That transaction happened on the same day the same way as the others happened but deny for {$320.00} this and approve the {$2000.00} transactions if they didnt happen with someone obviously knowing pen number how did all these fraudulent transaction take please because they all happened with a pin or something cause what makes this different from the other {$200.00} transaction, if they happened different then explain the difference in the fraudulent transaction for {$2000.00} dollars and please share the difference in the fraudulent transaction for {$320.00} there is no difference they all happened the same way and if they didnt then please explain how the {$2000.00} happened if It didnt happen with someone using or knowing or guessing my pen because you are quick to say that the {$320.00} happened with a pen and it can't be approved well how did the {$2000.00} happen if it didnt happen with a pen and how was it approved... I'll be waiting on these answers also I have filed these since they happened which is going on 2 years from Wells have not refunded me for both incidents yet you are still not trying to give me my money even with this settlement Wells have created, next it's going to be the people like me that have filed these claims for years and we have not received a cent of our money only received a lot of rebuttals and us receiving a letter stating something like the system finds there was no error ... without providing and documentation to what your stating, even with the XXXX transaction Wells Fargo will say well XXXX finds it not to be an error, PLEASE PROVIDE DOCUMENTATION DO NOT SEND ANYTHING STATING YALL HAVE RESEARCHED AND FOUND NO ERROR OR ANY BS LIKE THAT PLEASE PROVIDE ME SOME DOCUMENTATION, BECAUSE BY YOU JUST SAYING THE SYSTEM FINDS NO ERROR OR OUR RESEARCH TEAM HAS FOUND NOT TO BE A ERROR ANY REBUTTAL LIKE THAT KEEP IT I DONT WAN NA HEAR IT THAT IS NOT GOOD ENOUGH .CAUSE WOMENT LIE MEN LIE DOCUMENTION IS PROOF AND USUALLY IT DOES NOT LIE..BUT BY YALL JUST SAYING WE FOUND THERE WAS NO ERROR ANY STATMENT LIKE THAT DONT SEND IT THIS WAY UNLESS YOU HAVE NAMES OF PEOPLE OR BUSINESS WITH THEIR SIGNATURE ATTACHED TO IT AND THAT YOU DO NOT HAVE WELLS JUST TYPES AND SAYS THAT HOPING THAT I WILL NOT CONTINUE THIS JOURNEY TO GET MY MONEY BACK THAT YALL OWE ME AND IT SHOULD ALSO BE GIVEN TO ME WITH INTEREST BECAUSE IF IT WAS YOUR MONEY I OWED YOU THEN IT WOULD HAVE HAD ALL TYPES OF FEES ATTACHED TO IT, WITH THAT BEING SAID I HAVE MY OWN FEES THAT I CHARGE TO ALLOW BANKS TO BORROW MY MONEY AND THIS WAS NOT A LOAN THIS WAS MONEY YALL STOLE FROM ME, OR ALLOWED SOME ONE ELSE TO STEAL FROM ME, BUT I NEED IT BACK ASAP CAUSE IM OUT OF WORK AND YOU CAUSED ME TO LOSE MY TRANPORTATION AND THE FEES AND PENALTIES YALL HAVE INCURRED FOR LYING AND NOT RETURNING MY MONEY ARE AN EVEN LARGER ISSUE THAT THE MONEY WELLS OWES ME BUT FEEL FREE TO CONTACT ME AT ANY TIME, BUT WELLS STILL OWES MY MONEY FROM A XXXX TRANSACTION THEY HAD ME MAKE THAT DIDNT GO THROUGH AND A FRAUDULENT TRANSACTION THAT HAPPENED ON THE SAME DATE THEY APPROVED ME FOR THE {$2000.00} TRANSACTION THAT HAPPENED WITH A PIN CODE THE SAME WAY THE FRAUDULENT {$320.00} TRANSACTION HAPPNENED ... IT SHOULD NOT BE ISSUE GETTING MY MONE BACK OWING YOUR CUSTOMERS OVER XXXX DOLLARS MY XXXX OR XXXX SHOULD HAVE BEEN PAID BACK TO ME OVER A YEAR AGO BUT I GUESS YOU DONT MIND PAYING THOSE LATE FEES AND HIGH INTEREST FEES THAT I CHARGE ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
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: 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 severe 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: 33172
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: 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 severe 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: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My mother passed away on XX/XX/XXXX. I contacted Wells fargo and asked how to settle te estate. I produced and sent them the information on their secured email account. After waiting a month I contacted them again and they claimed the have herd nothing from me. I then produced a duplicate copy of the documents and sent them via certified mail. The post office informed my via tracking info that the documents were received. Again I contacted wells farge and was informed that they have not received any information. They denied I ever sent them the emailed documents and now claim they did not receive the mailed copy. I spoke to a local lawyer who stated he could recover the funds form wells fargo but it would cost me more thn the value of the estate. I have been having to pay my deceased Mothers bill out of pocket, and having to deal now with late charges from utility companies, and having to cover checks she had written before he died because Wells fargo stopped payment on the checks. Wells Fargo as already cost me close to {$200.00} just paying fees related to their stopping the checks and auto pyments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A