Date Received: 2023-08-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They keep charging more than once overdraft fees and even spoke to them about me receiving money the next day to be able to cover the insufficient funds and they still go ahead and they keep charging overdraft fees that sometimes amount to more than {$100.00} and I dont get it refunded back to me. Are used to have XXXX and XXXX would always refund or gave me an allowance to be able to put money in my account to avoid it and if they do give me an overdraft fee, they usually refunded me back the next day. this is Wells Fargo and they never do that and they charge me so many fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I will need the items I have asked for in the previous reports from the cfpb. I have not received the evidence I have asked for I will take civil claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not apply for a line of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66102
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: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I applied for Hud Section 8 housing, and throughout the credit check, they informed me I had 3 accounts open with Wells Fargo Bank. I have never had any dealing with Wells Fargo ever. I signed a notarized affidavit saying this. Am interested do compensation? It hindered my application for Sec 8 housing. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 at XXXX, I was contacted by Wells Fargo via telephone call and email that there was a suspicious purchase on my credit card. My card was used at a XXXX XXXX Store in XXXX XXXX, New York in the amount of {$3900.00}. I confirmed it was unauthorized and was quite upset. I told them this is not possible because I still had possession of my card. I did not understand how this could happen. Wells Fargo told me to destroy the card and I would be receiving a new one in 10 business days. I received the new card and thought everything was resolved. Then on XX/XX/2023, I received a letter stating no fraud had occurred. I immediately contacted Wells Fargo and assured them it wasn't me that made the purchase. They claimed that because I was in possession of the card I am responsible. They then stated they would conduct another investigation. Again, on XX/XX/2023, I received another letter stating that I authorized the purchase and was therefore responsible. After receiving the letter, I called Wells Fargo again and was told I used my phone to pay with my credit card for the purchase. I told him I have never used or placed any credit card on my phone and they should have a record of that. Again, they told me they would conduct another investigation. At this point, I made a police report of the theft. I was advised from the police that Wells Fargo is now indicating that my card was physically used. I contacted XXXX XXXX and Wells Fargo trying to get help and asked them to look at the camera footage. I spoke with XXXX XXXX at XXXX XXXX and see told me they would conduct an investigation and I never heard back from them. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
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: I have a monthly subscription with XXXX XXXX. I am charged {$77.00} per month. Beginning in XXXX this year they are charging me 2x a month. I have attempted to reach them but there is no way to speak to a live person or email them. I have XXXX this over and over. So I went to my bank, Wells Fargo, and asked for them to dispute these. Well now after 4 months of this they are reversing those provisional credits stating that XXXX submitted invoices proving such. Well I asked for copies of those and copies of all emails to me with those invoices. They said that XXXX said this was for paused services. I have never paused such, and why would I if I would be charged {$150.00} for such? Makes no sense and I did not authorized any of the 7 extra charges to my checking account via my debit card. That is {$540.00} that I want back and I told them to file this as fraudulent billing and they refused. I have filed a complaint with the FCC on XXXX XXXX for such and now this. I did not authorize any additional charges with XXXX. I did not pause my service with them and I have XXXX communication from XXXX or Wells Fargo showing where they claimed I did. These charges are fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45459
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: Repossession
Subissue: Voluntary repossession
Consumer Complaint: I purchased vhicle and paid a big down payment which i didnt see anything dropping down on the car payment they said the biggfer the down payment better for lower ineterest and everything once that was done payment stayed at XXXX. I called numerous times trying to lower the payment and seeing how to change due date they said if i cant refinance to surrender and i said how would this affect me they said no worries it would only affect your credit. I said ok and they took the vhicle with no documentation provded for me to read no explanation and days later i get a call from an agent on XX/XX/2023 saying she is going to report me to IRS and IRS will make sure to charge me i feel threatened by her attittude and she was being over agressive with me. I explained i know my rights and explained tried telling her i didnt understand why tell after they took my vhicle they were explaining so agressively things i was never told and she didnt give me options she was just trying to take my money for over XXXX. Which i dont have. She said i will report you to IRS i dont feel a bank rep should be allowed to speak to any one the way she did not knowing if i have heart problems or high blood pressure i felt sick and unable to defend myself at the same time i explained i was fired from my job in XX/XX/2023 they said were sorry we cant help in any matter and i was even trying to continue making high payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
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: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, my name is XXXX XXXX and I recently have a closed account ( XXXX ) in which Wells Fargo finally paid the {$200.00} courtesy credit that was supposed to be paid out to me XXXX of 2023 at the latest. I reached out to them on numerous accounts and each time I was given the same information that there was no courtesy credit that was owed to me, completely different from what i was told in an email earlier in the year. I had to take the necessary steps to filing a complaint with CFPB just to justify that I had been lied to about the money that was supposed to be given to me. I asked when CFPB asked in the survey how everything was handled, if they could ask Wells Fargo about the miscommunication and the hassle it took to get these credentials and was not given a follow up response. Thus, I am reaching back out with a new complaint because I do not wish this to happen to anyone else in the future. And if there is any way that they manage their systems to provided up to date and accurate information, that should be implemented. I wish to ask, if there is any additional monetary compensation that could be issued to me for the steps it took for me to receive the money that was technically already owed to me? At this point, I do not feel valued as a customer with all of the loops and holes I had to go through to get this resolved. I am dissatisfied with Wells Fargo for this mistrust and think that they owe me for the unwanted stress it took for me to fight back and get what was earned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
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: Fee problem
Consumer Complaint: Wells Fargo charged a monthly service fee on the account even though I met the requirements of having greater than {$500.00} in direct deposits during the month. On the phone I was informed this is because their monthly fee period does not align to calendar months and although the direct deposits had come through on XX/XX/XXXX the " monthly fee period '' ended on XX/XX/XXXX. This is apparently because they determine " monthly '' fee periods by number of business days ( she said XXXX business days on the phone ) instead of the actual days in a month. This was never explained by the banker who opened the account or the representative I spoke to the month prior who informed me to waive the fee I just needed to have {$500.00} in direct deposits during the month. Ultimately, this feels like a deceptive business practice to increase fees because they still refer to everything as the " monthly fee period '' and in an instance like this if the period ends before the last day of the month you only have XXXX direct deposit for that period and thus will not meet the direct deposit requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I deposited XXXX XXXX dollars at the ATM closest to my house, the ATM counted my money and did not show me the amount on the screen, so I thought something was wrong. I made the claim and the bank told me today that they are not going to pay my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A