Date Received: 2023-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Unauthorized Charges by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo returned XX/XX/XXXX {$54.00} Wells Fargo states ther is nothing else they can do. I reached out to XXXX XXXX They tell me there is no history on there end
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. My original agreement with Wells Fargo they would refund my overpayment at the end of the year, but, XXXX XXXX XXXX XXXX keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX XXXX my new mortgage starting in XXXX would be XXXX confirmation # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo is still finding ways to discriminate against myself. I received an email stating my XXXX XXXX was no longer accepted as an address. I travel and live in my converted XXXX, XXXX for bid they call me homeless and less the a human! I do not have a permanent physical address. I am a divorced woman, retired and a XXXX senior citizen. Wells Fargo continues to find and cause as much anguish as possible because they do not like my kind! I AM TIRED OF APOLOGIZING FOR MY LIFESTYLE! I AM OVER 30 YEARS CLEAN AND SOBER HELPING OTHERS, PAYING FORWARD AS MUCH AS I CAN BEFORE I DIE! WELLS FARGO HAS DONE NOTHING BUT AGGRAVATE AND DISCRIMINATE! The letter I received from Wells Fargo threatening to close my account XX/XX/2023. I have four ( 4 ) direct deposits from government agencies that take over three months before direct deposit can be changed, not to mention trying to find a bank that isnt as corrupt as Wells Fargo. I have had this checking account for almost five ( 5 ) years. I will contact legal help for this discrimination and hardship Wells Fargo has caused me. I had a trip planned for my birthday XX/XX/XXXX, but now I have to worry about Wells Fargo stealing my money! I tried calling wells fargo customer service I was treated rudely and hung up on!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97303
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They several times charged me overdraft fees when they shouldnt have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18411
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: they were supposed to send out settlements for their customers and ive been a customer since XXXX never received my settlement nor the response they gave
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13090
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I bought a Home with my daughter in Maryland and had 3 different quotes from three diffeerent brokers. I chose WFbank as they offered me a rate reduction of 0.125 % for every XXXX XXXX that i transferred into their portfolio scheme and if I transferred in More than {>= $1,000,000} I could get a rate reduction of 5/8 % based on that offer I applied with WF for my loan and after going through multiple submission of documents I was approved for the loan. I transferred {>= $1,000,000} in My new WF portfolio in XXXX XXXX during the process of approval it appeared that the loan might not go through in time and I transferred {$750000.00} to my Escrow account in case I needed to close the purchase in cash. after lot of document submissions and explanation the loan was approved and I transferred another {>= $1,000,000} in the brokerage account to qualify to get the rate reduction. I was provided closing document on XXXX or XXXX of XXXX without rate reduction, I discussed this with WF agent and was told that the rate adjustment would be made on final documents which will be provided on XX/XX/XXXX. On XX/XX/XXXX I was informed by XXXX XXXX XXXX, WF mortgage Agent I was working with informed me that his supervisor who was new was denying the rate reduction as it applied to Jumbo Loans only.and my choice was either to close the purchase using the loan or close it with all cash. During the whole one and half month process with all the documents, money transfers and documents no one at WF as much as even raised a possibility that I might not get a rate reduction. on the contrary I was repeatedly assured that I would definitely qualify for the rate reduction. I have requested WF to preserve all recordings of my conversations with all parties that I spoke with about this loan and their offer of rate reduction based on opening brokerage account and transfer of money and provide me with a transcript of the same. I believe that I was a victim of false advertising or a false promise, unfair business practice and a bait and switch by WF mortgage. I spent XXXX extra to get an extension to close the purchase to the seller, plus spent {$1000.00} for travel to sign the closing documents as I had to make another trip due to delay in closing. I spoke with XXXX XXXX today and he confirmed that till Monday XX/XX/XXXX he was under the impression that I did qualify for rate reduction and that is what he was passing on to me in our numerous conversations. I would like the CFPB to look into this and resolve the issue ASAP or atleast hold WF accountable for its business practices. My loan no with WF is XXXX I HAVE ALREADY DISCUSSED THIS WITH XXXX XXXX AT WF EXECUTIVE OFFICE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, XXXX XXXX XXXX received {$740.00} from XXXX XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) FEIN XXXX, received the amount on the same day. After couple days, XXXX noticed that XXXX account suspended due to a fraud activity. Wells Fargo insisted that it was filed by the sender 's Bank ( XXXX ). The sender and his bank did not file a complaint. Wells Fargo not giving any answer who filed the complaint. It is a serious matter because people sending money through XXXX. It will not be possible to change the email because it is attached to website of XXXX. It is requested that the XXXX account should be restored on the ground that there is no fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/ an unauthorized transaction of {$120.00} was posted on my bank account. The merchant name is XXXX XXXX XXXX XXXX XXXX' and the Merchant address is XXXX XXXX XXXX the category is " Other Insurance/Financial ''. That same day I did a purchase of {$7.00} in XXXX XXXX XXXX, XXXX. The merchant name of the authorized {$7.00} transaction is XXXX, merchant address is XXXX XXXX XXXX and the Category is " Other Insurance/Financial ''. This leads me to believe the card information from the {$7.00} transaction was immediately used for the unauthorized {$120.00} transaction. I opened a dispute with my bank, Wells Fargo, but they denied the dispute and won't allow me to reopen it. I would try to reach out to the merchant, but the merchant shown in the unauthorized transaction is just a company that designs and sells card terminals, not an actual merchant of services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1. ) On XX/XX/2023, a fully endorsed and completed and signed Wells Fargo Bank ( XXXX ) check ( # XXXX ), was made out to XXXX XXXX XXXX and XXXX XXXX. XXXX, in the amount of {$280.00}, and was stolen out of my home mailbox in Maryland. 2. ) On XX/XX/2023, the criminal presented stolen/ washed / altered WFB check # XXXX for deposit at an ATM at a XXXX XXXX in XXXX Maryland. 3. ) On XX/XX/2023, I received my WFB XXXX bank statement, which showed that stolen/ washed / altered WFB check # XXXX was deposited - at a XXXX XXXX - made out to a criminal named XXXX XXXX, in the amount of {$14000.00}. 4. ) On XX/XX/2023, WFB was notified @ XXXX - to report stolen/ washed/ altered WFB check # XXXX - is check fraud / forgery, and given ref. # XXXX. 5. ) On XX/XX/2023, the check fraud / forgery of stolen/ washed/ altered WFB check {$2600.00} was reported in person at a WFB, with ref. # XXXX. WFB assured a complete / concise / accurate / competent review of the check fraud claim. 6. ) On XX/XX/2023, the check fraud claim was DENIED AND CLOSED! I have completed : an online FBI/U.S. Postal Inspection Service report ; an in person WFB Affidavit Check Fraud form ; and in person interview and XXXX XXXX Maryland police report. The detective doing my interview, stated without question ( comparing WFB # XXXX - to other checks that I had written to pay my insurance premium ), that the stolen/ washed / altered check, is an obvious fraud / forgery. I have repeated : In person, to many WFB employees - that the stolen/ washed / altered WFB check # XXXX is a fraud / forgery ; via multiple emails, fax, and telephone conversations that stolen/ washed / altered WFB check # XXXX is a fraud / forgery. My local WFB branch associate, like the police detective, stated that the stolen/ washed/ altered check was an obvious fraud / forgery. I am a 40 year WFB customer in excellent standing, with three separate accounts. and my COMPLAINT is this : 1. ) WFB ( the Claims Assistance Center ) refuses to acknowledge that WFB stolen/ washed / check # XXXX is a fraud / forgery ; 2. ) XXXX XXXX has deemed WFB check # XXXX is a fraud / forgery, and has not released the {$14000.00}, but Wells Fargo Bank has NOT DETERMINED stolen/ washed / altered check # XXXX is a fraud / forgery ; XXXX. ) Wells Fargo Bank refuses to request the {$14000.00} back from XXXX XXXX- so now my WFB district manager, has taken the conflict / review to " an executive " level - in order to get the {$14000.00} back ; 4. ) How is this happening? 5. ) Why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20879
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dozens of debits totalling about {$54000.00} took place over the course of several months. I failed to notice as I was able to pay my bills
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A