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, XXXXXXXX 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 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 a vehicle financed through Wells Fargo. I identified a problem with my account and a charge that was not correct. While I was trying to remedy the situation I was communicating with managers about my account trying to get them to fix it. They repossessed my vehicle and refused to refund me the costs associated with their wrongful repossession. When I found out about the civil action against them I called and they said I would be contacted and receive a check in the mail. I have not heard from them. They sent me check for {$5.00}. I believe this is a sneaky attempt at getting me to settle. My lawyer informed me that by cashing the check I am agreeing to their settlement. I have not cashed the check but I am unsure what to do to receive the amount I am owed. I also do not know how much I am owed as this was many years ago and do not have the paperwork any longer. Please let me know my options as I feel Wells Fargo is still up to their shady tricks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
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: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I was a consumer that had been hit by Wells Fargo Mortgages/Non modification team and was even served by controversial WF appointed Lawyer XXXX XXXX XXXX ( whos employees were caught in XXXX XXXX and also pretending to be homeless for their XXXX costumes - mocking their foreclosure cases ). He himself told us that we could not REfinance and he petitioned to put the house in foreclosure. We had to dig our way out of this and even then had to pay back fees on top of back mortgage. Wells Fargo has not contacted me to offer any kind of resolution or settlement per the press release that came out in XX/XX/2022. How do I proceed from here?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
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 meXXXX 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 XXXX XXXX XXXX and 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: Managing an account
Subissue: Banking errors
Consumer Complaint: Wells fargo allowed someone to open an account in my name some time in XX/XX/2023, I requested all information including all documents from the start up of the account along with account numbers and balances. They told me I would need to drive XXXX miles round trip to a branch to get this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63401
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: With Wells Fargo, I had started with a card number ending in XXXX, which was fraudulently charged XXXX transaction {$80.00} in XXXX XXXX. I eventually was provided digital access to a card ending in XXXX. From what XXXX aware of, my phone is the only phone that had access to this digital card. While waiting for this physical XXXX card, there were more unsolicited charges for various transactions of {$2100.00} in XXXX. I had interacted with Wells Fargo, asking for a new card again, submitted a fraudulent claim, etc. I made sure to not give them access to my digital wallet this time because I did not want to risk my security again. I had eventually received my current card ending in XXXX and mostly keep it off/frozen/locked when I don't need to use it. Recently, I have received resolution of your claim, in which they state they have closed the claim and will deduct/reverse the provisional credit on XX/XX/XXXX based on their conclusion and the assumption that the fraudulent charges were made with my permission. Wells Fargo has failed to give me my {$2100.00} back in recovery for unsolicited charges on my card ending in XXXX. And now I have to investigate myself and file a police report ( XXXX ) just to prove that I did not give permission for anyone to open such account. I have given them clear evidence that I was not present in the location of the fraudulent charge, nor was it possible for me to provide anyone information of the digital card XXXX Wells Fargo themselves had connected through my XXXX wallet and only through my XXXX wallet. I am here to provide evidence and my side to the claim in which {$2100.00} was stolen from me in XXXX while I was in a completely different area ; XXXX XXXX. On XX/XX/XXXX, I originally had a fraudulent charge attempted on my card ending in XXXX from a XXXX XXXX in XXXX XXXX, but was immediately reversed/declined. Worried, I spoke with a representative and asked for a new card to be delivered. As I wait for the new physical card to be delivered, Wells Fargo provided me contactless payment through my XXXX wallet, the new card ending in XXXX. So while I was waiting for my card, I was able to use the tap/contactless payment through XXXX and XXXX. I didnt think that anyone would have access to my new card but me. While went out on a date with my boyfriend on XX/XX/XXXX, someone attempted unsolicited charges on my new card ending in XXXX in a XXXX ATM for XXXX dollars, a XXXX XXXX for XXXX, and XXXX for XXXX. This totaled to be {$2100.00} of fraudulent charges. Not sure how they had access to it. I have other cards In my digital wallet that were not accessed. These unsolicited charges made on XX/XX/XXXX were approved on XX/XX/XXXX. After contacting Wells Fargo about the charges, I was offered XXXX XXXX of the {$2100.00} as they investigate. For a while, I did not have the physical copy of my new card ending in XXXX only digitally through tap. And these fraudulent charges that resulted in {$2100.00} being stolen occurred before I received the physical copy of the new card ending in XXXX. The only other way XXXX couldve accessed my bank besides the digital card, was through my XXXX. I have evidence in my XXXX history that none of those fraudulent charges occurred through XXXX. I also have evidence through my Wells Fargo statements that the fraud XXXX ATM, XXXX XXXX, and XXXX charges specified that they were charged through XXXX. In between the first fraudulent {$1000.00} and the second {$1000.00} that was taken away from me, through the XXXX XXXX XXXX only card ending in XXXX, I was at XXXX XXXX in XXXX XXXX and Round XXXX in City of Industry. Attached to this is the proof that I was NOT in XXXX authorizing those ATM withdrawals through the only digital card in my only digital wallet I have on my phone. It consists of my XXXX XXXX Receipt on XX/XX/XXXX, and the order in which I saw the transactions occur/were pending ( on the Wells Fargo XXXX XXXX it says it was approved XX/XX/XXXX, the same day the fraud charges in XXXX were XXXX ). Also attached to this is the resolution letter I received from Wells Fargo stating that the charges were made through my permission. I had already provided evidence that I was in a different area when the fraudulent charge happened and that I only had access through my digital phone. How could I have given someone permission to use my card when Wells Fargo themselves only gave me permission for the digital access through my XXXX wallet, and when I didnt even know the rest of my card number as I did not receive the physical copy of this new card ending in XXXX? Without the physical copy, how could I have given the information to someone for them to access an ATM in XXXX? Did they give someone else access to my digital card? Did someone hack Wells Fargo to receive the card information for XXXX that even I did not have any knowledge about? Am I a victim of identity theft? I know they didnt hack my XXXX XXXX because the charge in my transactions specified it was accessed through the ATM through the card ending in XXXX. Also I have evidence of my XXXX history as well. I do not understand what is going on with Wells Fargo, I have provided them all the information that I can, they have all the information in their system, and they know they are accountable for giving me digital access to the card ending in XXXX. They have the address of the ATM in XXXX where {$2000.00} was stolen from me, why do they not take it upon their team to do police investigation and find out who stole that money from me? How incompetent does a bank company have to be to not provide police assistance when it comes to theft? I want my money back and Wells Fargo is doing nothing to protect me nor to solve this issue. Whoever stole {$2100.00} from me someway somehow had information of the digital card that I did not even know the complete card number for. Wells Fargo is responsible for their false conclusions and not investigating properly. Is it that hard to track the cameras of the XXXX properties on the days that I was stolen from? They have all the information in their system, such as the branches and locations of theft took place, the date and time of the activity of the theft as well as when my cards were delivered to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
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: 2023-08-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am a managing member of an LLC ( LLC ) which was appointed by the Circuit Court of the State of Oregon as successor trustee on behalf of a Special Needs Trust after the previous trustee resigned and the alternate trustee declined. Wells Fargo Bank held the trust funds in a checking account. Therefore, we attempted to close the account and open another account under the authority of LLC as successor trustee. All documents requested by Wells Fargo Bank were submitted including a certified copy of a Limited Judgment Appointing VLFS successor trustee, Certification of Trust, Resignation of former trustee, Declination of alternate trustee, Acceptance of LLC as successor trustee and Letters of Incumbancy. We met with the bank manager twice spending over an hour or so each time without success in closing out the account. In the meantime, LLC communicated to bank the beneficiary needed funds for food and housing desperately which was ignored. Over the course of a few weeks, without any release of funds to LLC, LLC in a despite attempt to marshal assets, reached out to the previous trustee to attempt to close out the account at Wells Fargo Bank at another branch. The previous trustee was able to do so quickly without any questions asked despite paperwork provided to Wells Fargo Bank by LLC indicating she had resigned and another trustee ( LLC ) was appointed. We find Wells Fargo Bank violated fair consumer trade laws by refusing to release funds to LLC as Successor Trustee in a timely fashion without a proper explanation and releasing funds to a non-authorized party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Starting on XX/XX/2023 XXXX XXXX allowed someone to complete XXXX transactions out of my Wells Fargo Business Account. I've reported this to XXXX XXXX and Wells Fargo. When I first initiated the dispute processXXXX XXXX responded with the incorrect information. My XXXX XXXX is set up under my email address XXXX not a phone number. When XXXX XXXX responded to my dispute they responded to me as XXXX. My XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX This has me under the suspicious that they have the wrong information about me and something happened to allow someone to take advantage of my information and make these unauthorized transactions. How can you investigate a dispute if you have the wrong person? My Sim card also was compromised and was unaware of the issue until XX/XX/2023. {$17000.00} was taken in small amounts from my Wells Fargo account. I've submitted documentation and had XXXX XXXX even reach out to Wells Fargo and XXXX XXXX Even with the evidence provided, both parties continue to deny my claim. When I spoke with the investigators from Wells, I mentioned, the amounts aligned with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not say, I sent to wrong recipient. After talking to the executive manager at wells, he made me feel like I was a criminal attempting to lie. XXXX is alot to just walk away from. Even though XXXX XXXX is the issue, Wells Fargo is supposed to have its clients back. How can you fully investigate a issue if they have the wrong recipient?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I keep getting calls from wells fargo starting I am did not make my last payment and indeed I did and they are claiming that I can not get my title unless I pay about {$400.00} by today and they call me every week. However, I already own the title so I do not understand why I am being harassed regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I submitted a credit card payment of {$180.00} to be paid to XXXX XXXX on XX/XX/2023 from my Wells Fargo checking account. My ending daily balance was {$720.00} on XX/XX/XXXX. There were sufficient funds to make the payment. When I checked my account on the morning Friday, XX/XX/2023 I saw the payment was pending out of my account. I checked my account later in the day, and the payment had posted to my account. It was not in pending status anymore. I checked my account several times over the weekend because I was waiting for another deposit to become available. Every time I checked my account, that payment was recorded as posted. Today, I received notification from XXXX that my payment had been reversed. I logged into my online account, and there was no record of the transaction anymore. I contacted Wells Fargo to find out where the payment went, and they reversed posted payment overnight on Monday, XX/XX/XXXX, claiming I had insufficient funds for a payment that had already cleared. They also failed to notify me of this. There were SEVERAL transactions made and bills paid after that one transaction. It took longer for the deposit I was waiting on to show up than expected, so I did have to use my overdraft protection from my savings account and my account balance got down to {$22.00}. I monitored the account ALL WEEKEND and all day Monday to make sure there were no issues. On Tuesday XX/XX/2023 is when XXXX received notification that the payment had been reversed and they notified me today, XX/XX/XXXX. Wells Fargo intentionally changed the order of my transactions and reversed a posted payment. I asked if I could have a printout of the transactions in the order they were processed from my local branch. I was informed by the customer service representative that they have a different view from what he has and no records of how these transactions were processed could be provided to me. I opened a formal complaint with Wells Fargo and was told it could take 12 business days to hear anything. Customers, local branches, and customer service should all have the SAME VIEW. This is MY MONEY. The payment should never have been returned because I had sufficient funds. Additionally, per Wells Fargos own policy, I have access to direct deposits immediately. The additional deposit was available in my account on Monday night, but what my online banking shows now is that it wasnt available until Tuesday morning. Regardless, the funds were there. Because Wells Fargo chose to change the order in which my transactions were processed and delay crediting a deposit, they claim I had insufficient funds and returned a payment that cleared on Friday, XX/XX/XXXX and have now cost me additional fees. Wells Fargo should be responsible for reimbursing me those fees since they caused me financial hardship with their shady business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A