Date Received: 2023-09-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Called Wells Fargo regarding fraudulent charges at 2 locations that I, never go to. These were 2nd time happened within couple of months. The difference was that the previous activity was done online. The charges this second time, worth {$33.00}, happened on same day one after the other. The locations are close to our house, but I nor anyone in family ever go. I do not drive so only travel with one of my daughters. Wells Fargo sent letter saying that it is not fradulent thst my card was inserted in. I had my card with me whole time did not lose it nor did anyone else take my card without my knowlwdge to use it. Since same thing happened to my brother, where they tried to say that it was my brother, who is in Virginia, who was using his card in California when he hasn't been to california in years. After several attempts Wells Fargo reopened case and he was able to get his funds back. Similary, we asked to reopen my case and reinvestigate. They refused..instead I have been yelled at on the phone by multiple people and hung up on multiple times, even by so called managers. For this reason I do not like to get on phone to talk but they will not talk to my daughters even on speaker phone and with me giving permission for them to be on the call. I have been told different things each time. I was told that they can mail my documentation to show that it was me who authorized the charges very next day after the call. Never happened so I called again to be told it will take 14 days..never happened to be told last time I called that it'll be 30 days. {$33.00} may not seem big, but to someone, as an XXXX yo, who is only living off of social security, that is a lot. Just last week again, I had to call with additional fradulent charges. This time, they took care of it right away and credited the amount. Told the agent who helped out about my previous charges issues. She stated that a manager would call, but I haven't received a call yet. This agent also said that documentation is never mailed out, unlike what the previous people told me. She is also the only one who acknowledged that card cloning still occurs. I just received notification last week that from my last hospital stay in XXXX, my information had been caught up in a huge breach. It sounds too coincidental with the repeated fradulent charges on my account. I have never had an experience like this with anyone, nor have I ever been treated so disrespectfullly as I have been by Wells Fargo. I opened up an account with XXXX XXXX over 38 years ago when i first moved to the country and just continued through the mergers from Wachovia to Wells Fargo. It is disheartening that all these years, I never had issues with them to be treated as I have been lately. It's disappointing to know they don't value customer service.
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: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I was working with Wells Fargo to assume the loan since I was in the process of divorce and was awarded the house. Unfortunately, my ex husband put the house in forbearance resulting in a lot of unpaid mortgage. I was then told by Wells Fargo that they can help me to assume the loan and was working with them, sending them all the paperworks that was asked from me. I was then given information by a friend that the state of Texas where I live offer mortgage assistance to those who are behind in payments. I then told Wells Fargo that I will apply since the amount owned will be below and will be covered by the max assistance that was offered. I did verified with the mortgage department how much was owed just to make sure and that is why I proceeded to apply because it was still below the maximum amount that the mortgage assistance offer which was {$65000.00} and the time I called Wells Fargo the agent said it was around {$62000.00} and might be a little more but definitely below $ XXXX. I then submitted my application and unfortunately was denied because according to the mortgage assistance the amount Wells Fargo had sent them the amount owed was {$79000.00}. I called Wells Fargo that same day I went to the office of the mortgage assistance and Wells Fargo would not verify over the phone what was owed. I requested them to send it to me via email and mail and never got it. At the same time that was happening I was still trying to keep my options open and was still trying to work with WF about assuming the loan. I sent all the paperworks that was asked from me and I even went to one of their branch here in XXXX XXXX, Texas to fax the paperworks asked from me. The branch manager was even the one that personally helped me and faxed it for me. I wait 2 days after it was faxed to give them time to sort it as they advised me to. And every time I verified the representative I talk to said they did received it. Then couple of days later, I would receive a phone call from Wells Fargo stating that they have not received what they requested from me. At first I figured maybe it got overlooked but I didnt want to lose the opportunity them helping me so I would go back to the branch and again the manager would personally help me. This happened multiple times, sending the same paperworks multiple times that the Branch Manager had to call the mortgage department herself and ask whats going on? That literally went no where and we just had to keep faxing the same paperworks over and over again. The branch manager even emailed it directly to the mortgage department and fax it at the same time. After months and months of doing this they decided to deny helping me resulting of me facing foreclosure of our home. And until now I am still struggling to save my home to where I even filed for XXXX XXXX bankruptcy. All I want is to save my house that I believed would have been taken cared of a while back if Wells Fargo had worked and sent the correct amount to the Texas Mortgage Assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased a bed from XXXX - XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX there was a recall sent out that the beds are deemed unsafe for children and to dispose of the bed. I reached out to XXXX XXXX and the XXXX seller multiple times for a refund with no response. I then reached out to Wells fargo on XX/XX/XXXX requesting a dispute of charges and a refund. on XX/XX/XXXX I received a letter from wells fargo denying my claim, claim number XXXX with the response that the timeframe for requesting a refund had expired. This should be possible, as I had a friend in the exact same situation that retrieved their money back from XXXX XXXX. I would like my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I am with Wells Fargo Home Mortgage and was on Covid 19 relief and post XXXX XXXXXXXX when they lost a payment and refused further payments. I was kicked out of my XXXX through the foreclosure attorney based on that lost payment. 6 months later the payment was found abs was misapplied. I have attempted several modifications since only to have my ex wife, who is not on title, and not on my XXXX XXXX be allowed to cancel and request a short sale instead. During all of this I have been trying to recover from a head injury and car accident and now am on SSXXXXI for a XXXX, my current wife and I cant move without a payment history and cant sell and cant rent or do anything and we are stuck. XXXX XXXX with the State of Mn attorney General sent me to you to file a complaint. If a wells took money for Covid 19 relief with promises to modify after how can they say no and try and foreclose. I would like to modify my mortgage and have my current new wife on and the payments put on the back or a letter of mistake so I may rent or buy something else. I have zero history I can show because payments are refused. I was also offered Home Help Minnesota funds if XXXX but Wells Fargo refused to work with them on my behalf
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
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: My second attempt with CFPB. Been denied the credit if XXXX back to my account. Wells Fargo states I gave out my pin to ppl in Texas, Florida, California. I dont know how I can provide my pin when I absolutely know of anyone in these states. I absolutely do not give my PIN number to anyone but myself. I feel you did not try hard enough to help in retrieving my money back to my personal bank account.
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: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: As stated on my previous complaint, I do believe that this is is not being handled the correct way. I keep being told the same thing over and over by the same person and my problem is not getting resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: at branch # XXXX XXXX on XX/XX/23 at XXXX, I was directed to deposit {$2400.00} cash into a customer account. against policy, the teller took the {$2400.00} cash and deposited it. on XX/XX/23 I visited a different branch and was advised to follow up at the branch and teller completing the deposit. I was told by the customer that my deposit was cancelled on the 5th day and i could take my receipt to the teller for a return of funds. I returned to the original teller, was advised to talk to their customer to get my money back but I got no response over 4 days. Today I made a final plea for the bank to return the funds that their customer fraudulently accepted and that the teller ignored the banks policy on accepting cash deposits from non- customers- creating an issue that allowed their customer to scan {$2400.00} for rent on an apartment that didn't exist. While I appreciate the compassion of the teller, this transaction set the stage for me to be scammed of {$2400.00} - and that the bank and/or customer should return the cash to its owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.
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: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid this account. It was a chargoff, but I paid and settled the account. Wells Fargo has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wells Fargo reported to XXXX XXXX and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from Wells Fargo already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08088
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A