Date Received: 2023-09-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a {$35.00} fee coming out of my account at least twice a month and over a 5 year period. Not including the " late fees '' on a credit card that isn't even in use. Wells Fargo is who XXXX wish he was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: The balance on my 3 credit reports do not include any deferred payments due to loan modifications or forebearance nor is this money on my payoff quote nor mortgage billing statement. There is no indication on the billing statement that Hud is a third party servicer that was owed the deffered payments nor is there a contact number to inquire about any Hud transactions. Any monies owed to HUD have not been continuously disclosed to me the consumer by Wells Fargo or Hud. Furthermore, the loan modification calculations need to be reviewed for any discrepancies. In addition, any overdraft fees that were accrued need to be reviewed if there were any errors with these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: During XXXX I was receiving a monthly Advance Child Tax Credit stimulus check on behalf of my children. At the time I was unemployed, and XXXX to pay for things. I was having financial issues due to the pandemic. At the end of XX/XX/XXXX and XX/XX/XXXX my Wells Fargo checking account overdrafted just before my monthly stimulus check deposited. In response to this issue, Wells Fargo sent an email on XX/XX/XXXX and XX/XX/XXXX stating Because your account had a negative balance on the day before the deposit of a stimulus payment, we have refunded any deposit account fees that were part of the negative balance to help you have access to your stimulus payment. If there was still a negative balance after any fee refund, we also provided a temporary credit to your account for that amount. What this means to you A temporary credit is not a waiver of the amount owed. If you received a temporary credit, we will reverse it no earlier than 60 days after it posted to your account. We will send you an advance notice approximately seven days before we reapply the negative balance. Negative account balances remain subject to the terms of your applicable account agreement. They deposited approximately {$91.00} in XXXX and approximately {$320.00} in XXXX. Both deposits were unsolicited with no option to opt out of receiving it. There was no communication to ask if I could repay the amounts. Yes, I used the funds after each deposit because I was desperately in need of it. I understood that the cash was a credit. I was under the impression that each amount would be withdrawn 60 days after their deposits. It wouldve been possible for me to repay those deposits if they were withdrawn in that way. Instead, both amounts equaling approximately {$410.00} were simultaneously withdrawn sometime, more than 60 days later, in XXXX. I had no way to repay that within three months time, so subsequently my checking account remained overdrawn for approximately {$410.00}. This led to my account, that had been open since XXXX, to be closed in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Unauthorized XXXX payments from personal XXXX XXXX XXXX checking account on XX/XX/XXXX and XXXX XXXXXXXX as follows : - XXXX {$500.00} paid to XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX I XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$1000.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$500.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX Later on XX/XX/XXXX there was unauthorized transaction from my XXXX XXXX Savings Account to XXXX XXXX for {$210.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37412
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On Friday, XXXX XXXX XXXX -- the beginning of the XXXX XXXX weekend -- my Wells Fargo credit card was used to make 3 fraudulent purchases : {$21.00} at XXXX ( a transportation company ), {$1200.00} at XXXX XXXX and {$910.00} at a XXXX XXXX XXXX in XXXX. I was notified via text of these charges which began at XXXXXXXX XXXX and at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Unfortunately, I was already asleep when the text notifications came through. Wells Fargo did decline the {$910.00} charge that evening. When I awoke at XXXXXXXX XXXX the morning of XX/XX/XXXX, I called Wells Fargo immediately and reported that my card had been stolen and closed the account and was reissued a new account number. The customer service person I spoke to was very helpful and told me they would remove the charges. A couple of days later -- after the holiday weekend was over -- I noticed that XXXX XXXX charge had reappeared on my account : {$1200.00}. When I called customer service I was told that the fraud department had determined that the airline ticket was purchased in my name so I was responsible for the charge. I told them I most certainly did not purchase the ticket and that the fraudulent charges were all made at the same time. They told me to resolve it with XXXX XXXX. I attempted to dispute the charge again online with Wells Fargo where I discovered the ticket number and learned that the ticket was in fact in my name and that the ticket that was purchased on Friday night, XX/XX/XXXX was for a flight out of XXXX XXXX on Monday, XX/XX/XXXX which was AFTER I had reported the card as stolen to Wells Fargo. I contacted XXXX XXXX about the fraudulent ticket and they told me to file a police report and give that to Wells Fargo. I filed the police on XX/XX/2023 detailing what I described above. I walked into one of my local Wells Fargo branches on XX/XX/XXXX and had the branch manager fax the police report to Wells Fargo 's fraud department. After receiving a claim denial from Wells Fargo dated XX/XX/XXXX, I followed up again with the Wells Fargo fraud department. The gentleman I spoke to told me that there was no police report attached to my claim. Since they would not accept an email from me with the police report, I provided the case number and contact information from the report to the representative who assured me he would look into it. I heard nothing for several weeks and I called the fraud department again. I was again was told no police report was attached to my dispute and that the claim was closed. I asked to reopen and once again provided the police contact information and case number. After once again leaning my claim was denied, I sent a letter to Wells Fargo 's corporate offices dated XX/XX/2023 filing a complaint about their fraud department 's handling of my claim. XXXX from their corporate office left me a me message on XX/XX/XXXX and when I returned the XXXX 's on XX/XX/XXXX, he told me that the fraud claim had been handled appropriately and was claim was being denied again and that I should talk to XXXX XXXX if I had a problem. He was rude and dismissive of my concerns. I received a letter from Wells Fargo dated XX/XX/XXXX which again denied the claim. I reached out to my XXXX, my company 's identity protection service, on XX/XX/XXXX. The person I spoke to opened a case for me and directed me to the CFPB. Since Wells Fargo was notified by me only 9 hours after the fraudulent charge was made -- and BEFORE the flight happened -- I would like my money credited back to my account. In the meantime, I am working moving all my accounts to a new bank as this has been the worst customer service experience I have ever had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They closed the claim to my savings account. Someone went into my savings and took all I had in savings. {$14000.00}. They closed it stating it had to be me or someone that had my user name and password. It wasnt me and no one has been given my user name and password. Someone from Wellsfargo called me and text me from the wellsfargo number and took my savings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was laid off due to Covid-19 and was having troubles making payments. I also kept experiencing unauthorized charges and fees from Wells Fargo during this time which made it even harder to make payments. I called about the unauthorized charges and they closed the account so we could start the pay to delete process since I was laid off and unable to make payments. When making my last payment I spoke to the representative and he advised within 60 days the account would be removed from my credit. When I contacted them recently to get an update they advised that I needed to contact the credit agencies. This is not what I was told. They are not fulfilling their promise that if I pay off the account it would be removed. Also, due to me being laid off according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic this should have not been reported on my credit. Wells Fargo has already agreed that they charged me unnecessary fees because I am still getting refunds from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A