Date Received: 2023-08-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called Wells Fargo XXXX Account Services today, XX/XX/23 at XXXX pm eastern time. XXXX. I asked to have my name and my son 's mother 's named removed from his checking account so we could not longer see his transactions. He is XXXX and deserves his privacy. However, the Wells Fargo representative told me all three of us had to go to a branch to have our names removed from his account. I then explained our son is away at college and my ex-wife and I do not live near each other any more. The representative then told me we could each go to a different branch and have a conference call with the branches and they " might '' be able to remove us from his account. Emphasis on " might. '' Further, trying to find a time convenient for the three of us when three different branches have the same appointment times seems to be insurmountable. Our son is in college, and both his mom and I work. Her next suggestion was that since each of us had access to his account, we could close the account and then he could open another account on his own. I found these suggestions unacceptable. Then I tried to file a complaint on Wells Fargo 's website while signed into the account. I searched " How do I file a Complaint. '' No results were found. Instead, I received a message saying " If you did not find what you are looking for, try the results from our public website. '' I attached an image of these results. Then I went to www.wellsfargo.com site and searched again for " How do I file a complaint. '' The results of that search returned XXXX results even after I narrowed down the search results by selecting XXXX filters. I also attached an image of the results from this search with this complaint. I then started scrolling through those XXXX results and gave up after not finding instructions. Probably after XXXX results or so, not the entire XXXX. I believe the search results are non-productive and maybe even intentional so customers get frustrated and give up on filing a complaint. Can there be any easier way to there any easier way to find out how to file a complaint other than searching in the manner in which I did in both ways which the bank suggested? Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
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: Banking errors
Consumer Complaint: XXXX submitted a loan application to refinance house ( Just him on application ) to Wells Fargo. During application process he DID NOT provide banking information. Due to not do not bank with Wells Fargo, he banks with XXXX ( I bank with WF ). Few weeks into the process, we get a request asking for my credit card statement because they went through my WF bank account and need to verify who is the person listed on this account. We did NOT authorize WF to review my bank account. I have the a copy of the credit application, where the financial institution portion is blank. At no time did we provide them with my banking information, nor did we provide consent to access my banking information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
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: Fraud or scam
Subissue:
Consumer Complaint: I am writing to file a formal complaint against Wells Fargo Bank for their dismissive response to my dispute and their gross negligence in assisting me to recover the funds lost due to fraudulent activity. Furthermore, I am appalled by the bank 's lack of proper due diligence that enabled a significant transfer for cryptocurrency purchase without adequate scrutiny into its legitimacy. I initiated a dispute concerning a transaction of {$170000.00} from my Wells Fargo Bank account to the entity " XXXX XXXX '' ( SCAM ) on XX/XX/. This transaction was undertaken without my authorization, and it subsequently became evident that " XXXX XXXX '' is a known fraudulent enterprise, preying on unsuspecting victims for financial gain. A warning issued by the Financial Commission further substantiates the illegitimacy of this entity, indicating a pattern of deception and fraud. Having been a dedicated and trusting customer of Wells Fargo Bank for an extended period, I have held an expectation of security and safeguarding of my transactions. The incident involving the transfer of a substantial sum to a fraudulent organization with minimal investigation is an alarming breach of the bank 's commitment to ensuring secure banking services. I demand Wells Fargo Bank to take immediate action in resolving this issue. The bank is obligated to refund the entire sum of {$170000.00} back into my account promptly. Furthermore, I insist that Wells Fargo Bank conduct a thorough and exhaustive investigation into the matter. The purpose of this inquiry should be to determine how such a transfer was permitted to occur without requisite scrutiny and to establish robust measures that prevent such incidents from recurring. It is the unequivocal responsibility of Wells Fargo Bank to protect its clientele from malicious financial activities. I urge the bank to treat this matter with utmost seriousness, addressing the issue earnestly to provide the full restitution of my funds. As a longstanding patron, I anticipate the bank to demonstrate transparency, dedication, and resolve in rectifying this situation. I implore your office to intervene in this matter and to ensure that Wells Fargo Bank undertakes the appropriate actions to retrieve my funds. I insist that the bank 's approach be proactive, comprehensive, and effective in preventing such episodes from arising in the future. Kindly apprise me of the status of my complaint and the ensuing actions taken by Wells Fargo Bank. Timely resolution and appropriate compensation are of the essence in this matter. I await your prompt response and a satisfactory resolution to this grave issue. Thank you for your immediate attention to this formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Took out a auto loan with option to send in title or just leave it as a personal loan at a higher interest rate. I decided not to give the title and take higher interest rate. I defaulted on the loan and Wells Fargo reported it as a auto loan repossession on my credit report! I was unable to purchase a car because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: There are charges and inquiries that i can not identify or authorize on my credit report, I believe my identity was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
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: 2023-09-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My debit card has been compromised.. the card has never left my posession but some how roughly XXXX dollars was used from online shopping stores. I noticed this as they were still pending. Immediately i called wells fargo to open a claim and to try to have them stop the pending transactions.. they did nothing just opened a claim.. i called back then called the merchant on XXXX way with the bank representative pleading to deny the pending charges and neither the merchant nor wells fargo did anything to prevent the processing. Couple days later wells fargo denies the claim saying that the merchant ( rebag ) had my adress and zip code and this was a valid reason to deny my claim.. i asked to reopen claim and investigate better, theu refused XXXX i asked to open another claim, they say i can not open another claim once the first is denied.. i asked what i can do, wells fargo said that at this time it is between me and the merchant.. i called the XXXX XXXX and they wont do anything without the order number.. i said i dont have an order number because i didnt nake the order.. they then told me to dispute it with wells fargo.. and the circle goes round and round.. i jave had XXXX XXXX calls to wells fargo in less then a week.. for them to deny this case and give me no reason besides the merchant new my adress and zip code, is disgusting, unbelievable, disturbing, heartbreaking, sickening and devastating. My card goes into fraud once a week for simple XXXX XXXX XXXX dollar purchases but just XXXX of these fraudulent transactions was almost XXXX dollars.. my limit per day is only XXXX but somehow almost XXXX goes in few hours.. they say they base investigations on spending habbits.. i yave never soent this type of money in a day in my 15 year history with wells fargo but yet on this specific day not a text an email or any other type of alert.. as i stated wells fargo was notified within hours while the charges were in early pending stages, and showed no desires to care to help me.. so sad hurt disappointed and angry. That this is how i was treated .. all calls are supposed to be recorded id love for you all to hear how i have been mistreated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is my third complaint regarding Wells Fargo. This one is new and totally different. At this point, Wells Fargo is refusing to acknowledge that they MUST return my money and they are saying they will resolve this in 10 days. I need MY money now. The Bank has no excuse nor reason to hold on to it. I don't know how this is not called theft. On Saturday, XX/XX/XXXX, I went to Wells Fargo to deposit a check for {$370.00}, I transferred an amount to a family member via XXXX at XXXX. I received an email saying the transfer went through. At XXXX XXXX I tried to open my account and it didn't exist!! I called Wells Fargo 's support number and they said they were worried about XXXX payments made from XXXX ( where I was this year. ) They said they put a " hold '' on my account for my safety but I needed to contact XXXX XXXX Escalations Representative again and they wouldn't open until Monday, XX/XX/XXXX. I called and I was informed that Wells Fargo had decided to close my account effective XX/XX/XXXXXXXX but I wouldn't have access anymore ( beginning XXXX. XXXX. ) I submitted a complaint to the Office of the Comptroller of the Currency on XX/XX/XXXX and was advised to close my account. I went to Wells Fargo in XXXX, the representative could not close yet and we made an appointment to close on Wednesday XX/XX/XXXX. This is what happened then and this is what I sent again to Wells Fargo 's Enterprise Complaint Management Office 's person in charge of my case : XXXX XXXX XXXX, Today I must add to my complaint. Since the filing of Wells Fargo case number : XXXXAccount number ending in : XXXX Office of the Comptroller of the Currency, case number : XXXX, more issues have taken place. I can not believe the amount of time I have spent dealing with your bank online and IN PERSON since you put a hold on my account which meant you blocked me completely. 1. On Monday, XX/XX/XXXX at XXXX XXXX ET I called Escalation Representative XXXX XXXX. ( I believe XXXX ) as instructed by a person who called from XXXX XXXX XXXX XXXX on Sunday. This person told me there was a block in my account due to logins from XXXX but she believed this could be resolved on Monday. The Escalation Representative who talked to me on Monday at XXXX XXXX MT informed me that Wells Fargo had made the decision to close my account and that it was a final decision. She said the account would be closed on XX/XX/XXXXXXXX and, at this point, I had no more access to my money, log in, or the history of my account. I asked why was it called a hold if the account was obviously closed to me since I could not use it again or log in. I also explained my concern that the {$330.00} I transferred via XXXX to my relative, and it appeared as completed yet he did not receive the funds. XXXX XXXX explained that those funds were frozen so it would not go through and I would have to wait until after XX/XX/XXXX when my account would be closed. I said I needed these funds to get to my XXXX father and that I didnt understand the difference between a hold and the account being closed and XXXX XXXX hung up on me . 2. I contacted the Office of the Comptroller of the Currency by telephone and was advised to file a written complaint against Wells Fargo XXXX and close the account and request my money back since there were no transactions left and everything was on hold. 3. On Monday, XX/XX/XXXX I went to the nearest Wells Fargo office at XXXX XXXX XXXX XXXX, XXXX, NM XXXX. The Associate Personal Banker, XXXX XXXX XXXX XXXX, was EXCELLENT. It was the first professional and very kind Wells Fargo employee who did everything to help me close the account. We found out that WF was waiting for a check to clear, I had deposited this check in Wells Fargo from XXXX my other financial institution, on Saturday. We decided to wait until Wednesday, XX/XX/XXXX to close the account. I checked my XXXX account and the check for {$370.00} had gone through so it was now with Wells Fargo. 4. On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX. I met with XXXX XXXX XXXX XXXX again to close my account. She had to call the office in charge of closing accounts but this office explained that the XXXX transfer to my relative for {$330.00} had been completed. You, at Wells Fargo Escalations, know this is NOT true but have no records available to local offices that show that you are holding on to the {$330.00}. You do have the recording of my call to XXXX on Monday who told me the transfer was held and would not go through, my family never received the funds. It is outrageous that a local office has to go through the embarrassment of telling me they dont know where that money is. At the WF Branch, the Representative tried to call your number several times and no one responded. She also attempted to contact XXXX XXXX at XXXX and not only was there no response but her mailbox was full! Your letters say that your hours are between XXXXXXXX XXXX and XXXXXXXX XXXX. ET but we had NO REPLY. This is unbelievable, considering that it is Wednesday and you are the Enterprise Complaints Management Office. By this point, I have spent HOURS in person, on the phone, and now writing this addendum to my complaints. It is outrageous that a bank can be so dismissive of a customer. There is NO explanation for your hiding {$330.00} and not returning my money. This money is NOT in the middle of a XXXX transaction because you stopped it, you blocked me from XXXX and from any access to information about my account, m as if I were a criminal. Meanwhile, I can not provide support to a father who needs medical attention. This has been the worst banking experience I have had in my life. I am an honest retired school teacher, a person with an impeccable record and a great credit score ( you can see all that. ) I have worked hard all my life and after opening an account to help my father by paying some of his bills using XXXX, I get treated worse than the criminal who scammed me in XXXX. Yes, I have logged in from XXXX. However, when I have used my credit union ATM card in other countries, the credit union has called me to ask me if I am abroad when I forget to inform them of my travels and I really appreciate the concern. But they never have CLOSED my accounts and held on to my money and never have the employees been ignorant of where funds may be. Your responsibility right now is to return my money and clear my phone number from XXXX so I can continue helping my family and community and can let go of the horrible stress I have experienced by opening an account at your bank. You can research me as a consumer, I have always tried to resolve issues directly with kindness. I had never filed a series of complaints of this magnitude before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2023-09-01
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 XXXX WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: I had an auto loan with Wells Fargo Dealer Services. My payments were never applied correctly I got behind and made proper arrangements to secure the loan made the payment and the car was repossessed. I wasnt given any information to get the car back. I was never refunded for GAP insurance or the fee they tacked on. To make things worst their towing company stole valuable things that was in my car that were also sentimental from my deceased father that had recently passed during that time. I contacted Wells Fargo they sent me a cashiers check in the amounts of {$8.00} and {$27.00} those amounts are extremely wrong. Just the refund on the GAP insurance would have been more than that. I had expensive things in my trunk because I was traveling the following day prior to the repossession. I want to be compensated for everything I lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' WELLS FARGO AUTO Do you see information you believe to be inaccurate? Start a dispute Account info Account name WELLS FARGO AUTO Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$47000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$47000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off ND No data for this period Payment history guide Charge Off as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. Balance history XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additional info The original amount of this account was {$47000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, NC XXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A