Date Received: 2023-09-04
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My mother, XXXX XXXX has had two deposit accounts ( checking and savings ) at Wells Fargo for the last 48 years. I am a joint account holder on both accounts. She has maintained significant balances in the accounts over the years. At the end of XXXX, 2023, the combined balance in the two accounts dropped below {$20000.00}, and she was charged a " monthly service fee '' of {$25.00}. For a deposit account. I called WF on XX/XX/2023 to ask them to waive the fee. My mother was XXXX. She passed away on XX/XX/2023. And despite the fact that my mother has been a WF customer for close to 50 years, WF refused to waive the fee but offered to refund {$12.00}. WF 's business model of charging its customers unfair, deceptive and abusive fees continues unbated. They have simply shifted from opening customer accounts for unwitting customers ( which they also did to my mother ) to charging junk fees to elderly clients. There is absolutely no difference between a credit card company charging a {$40.00} late fee and a bank charging a XXXX XXXX monthly service fee. They are all junk fees. The CFPB should protect consumers from WFs abusive business practices. It should order banks to stop charging account holders junk fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59601
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: I WILL ATTACH MY CONSUMER REPORT FOR WELLS FARGO THAT'S NOT BEING REPORTED ACCURATELY -- XXXX IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT XXXX ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans... AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-09-04
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: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2022, my Checking account with Wells Fargo was incompetent, as I was experiencing fraud. They had stolen more than {$2000.00} out of my checking account through Wells Fargo. Wells Fargo did not even alert me of this big purchase, I had found out myself by checking my bank account at a random time. It was devastating cause they had did it twice, stolen {$2000.00} out of my account twice, and I wasnt alerted both times. It took quite a while to figure this out with Wells Fargo, but luckily the credited my stolen money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67401
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened my account in 2010 and was offered a XXXX after several purchases and several payments made I began to notice discrepancies. I contacted Wells Fargo and requested an audit of my account as well as billing statements and a record of all payments. Wells Fargo failed to provide the information requested and continued to add charges without my consent or knowledge. I made several attempts to resolve this problem with all levels of management at the branch level to the corporate level with no resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Well Fargo charged my account in over draft so much I closed the account. I like to know can I get compensation for these zealous actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I paid my minimum payment for 2 months before the XXXX of the month and Im looking at my account was charged delinquent for XXXX of 2023 from Wells Fargo Credit Card Services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: WELLS FARGO STILL DENYING ME MY PRIVACY RIGHTS AND MY CIVIL RIGHTS AND REFUSING TO FOLLOW THE LAWS AND REGULATIONS AND MY ACCOUNT MAILING PREFERENCE. This complaint is # XXXX. About the same issue. In the last 2 1/2 years I complained here 98 times about the same issue without a resolution. Again, today I received a letter from Wells Fargo to my residential address. I was told in writing by Wells Fargo So called XXXX that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. This is my complaint number 98 in the last 2 years about the same issue. Wells Fargo is refusing to use my mailing address as indicating on my account preference. Wells Fargo is ignoring my rights of privacy, Wells Fargo is ignoring my civil rights, Wells Fargo is refusing to follow the laws and regulations. This is my complaint # XXXX : I have been a Wells Fargo customer for more than 35 years ; at all the past 32 years my account mailing preference is a XXXX XXXX XXXX for the safety of my mail and for my privacy. Everything was fine till the last 2 and half year When Wells Fargo start the illegal activities and subcontracted the customer service to a company called XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). since that, Wells Fargo decided not to use my XXXX XXXX XXXX anymore and they start directing my mail to my residential address. In the last 2 and half years, I complaint to Wells Fargo more than 89 times and requested not to mail anything to my resident but all the complaint were answered by a copy and paste standard letters even the answers to my complaint were mailed to my residential address when my complaint and my request is to mail to my XXXX XXXX XXXX not to my resident. The Wells Fargo working from the comfort of their home employees do not read my complaint they only copy and paste standard answers and mail it to my resident when in my complaints I provided the XXXX XXXX as my mailing address and I did not provide my residential address and my account mailing preference is my XXXX XXXX XXXX Wells Fargo is refusing to address my issue properly, Wells Fargo is refusing to investigate, Wells Fargo is refusing to follow the rules and regulations regarding my account mailing preference, and they send misleading answers and they do not even read my complaint before they answer it, The people who answer the complaints for Wells Fargo are labeled XXXX, Those are inexperienced people who are working for the contractor XXXX from the comfort of their homes without any supervision not under Wells Fargo 's Management. I tried to speak to a manager or supervisor, but I was told that Wells Fargo employees who answer the complaint are working from their homes and there have no way to connect me to a manager or supervisor because they are independent contractors, they do not work under the supervision of Wells Fargo bank they are working for the contractor XXXX So, after more than 2 years of complaints to Wells Fargo and everywhere, where they have authority over Wells Fargo and after more than 89 complaints, Wells Fargo still did not address my issue properly and did not solve it and Wells Fargo is still denying me the right of privacy when I do not want the bank to send the mail to my resident. and Wells Fargo is still refusing to use my XXXX XXXX mailing address as it is indicated on my account preference. Please read the date and the address on the attached letter and on the envelope, you will figure that every time I receive a Wells Fargo mail to my resident, I submit a complaint with a new letter but the Wells Fargo working from home employees do not read it and they say you did not submit new evidence. I have tons of letters from Wells Fargo as evidence that they are mailing to my residential address. Again, as I promised before, I will file a new complaint every time I receive a letter to my residential address from Wells Fargo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had one account with Wells Fargo ; this account got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Wells Fargo corporation has been of any assistance to me. There was also money that was kept and never returned to me.This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A