Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: On XX/XX/XXXX I fell victim to a XXXX scam. The scammer was posing as a Wells Fargo fraud prevention representative and contacted me regarding suspicious charges on my account. My wife 's credit card had been recently compromised and so I was inclined to believe the scammer since we had just gone through this with her card. After verifying my account information, he gained access to my online banking account and the scammer performed a Cash Advance from my credit card to my checking account in the amount of {$580.00}. The scammer then set up a XXXX money transfer from my WF checking account in the amount of {$2100.00} ( the entire balance of my checking account now with the Cash Advance ). After the payment went through he hung up the phone and I realized I had fell victim to a scam. I immediately called Wells Fargo and spoke to three representatives who wrote down the incident and filed claims on my behalf. On XX/XX/XXXX, I received two letters in the mail regarding my claims. The first letter said that the Cash Advance could not be reversed as there were insufficient funds in my account ( obviously since they were all stolen ) and that I was obligated to pay the amount off on my credit card with my own funds ( which I don't have ). The second letter I received was regarding the {$2100.00} XXXX transfer and Wells Fargo states that they will not reimburse me for the stolen funds as I " approved '' the XXXX transfer and it was conducted properly. Wells Fargo stated in the letters that the claims have been closed and resolved but I feel like I have been scammed twice now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
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: On XX/XX/2023 I had made a dispute with Wells Fargo bank ( Claim Number : XXXX ) on me never receiving fund from a return shipment I had provided the order number and information on returning the products the bank will not accept video proof of me giving the carrier. I did everything on my part to now I am a victim of the bank and {$1100.00} in the hole because the bank needs more proof which I could have provided for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This involves both my checking and credit accounts. I have overdraft protection that if my account is ever in the negative/overdraft, a cash advance from my credit card will be sent to my checking account to cover the negative balance. I had an overdraft of {$58.00}. I then proceeded to transfer {$100.00} from another institution to cover any other transactions that may come through. After 9 days, Wells Fargo decided to reverse the overdraft amount and debited my account by the overdraft amount of {$58.00}. The money was debited from my account, but did not show as a credit on my Wells Fargo credit card. I contacted their customer support and they told me to wait two business days for the credit to show up. After two business days, the amount had not been credited and I called back and was informed it could up to 10 business days. So, after 12 business days, the amount was still not credited to my Wells Fargo credit card. Multiple calls have been made and I'm currently waiting on an " Escalations Representative to review my issue and call me back. It has been nearly two weeks since this occurred with no resolution in site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scam Description : I received a text message from what I thought was my Wells Fargo account saying that there was a login attempt to my bank account in XXXX, Arizona. Then, another text from the same number ( listed above ) that a Wells Fargo transaction for {$100.00} was now processing on my debit card from XXXX. I shop at XXXX regularly so I panicked. Then, I received a phone call from the SAME Wells Fargo number on the back of my debit card ( XXXX ). This is a legit Wells Fargo number for customer service, so I answered and believed I was speaking with a Wells Fargo representative. The man said his name was XXXX and that he was calling about suspicious activity with my Wells Fargo bank account. He knew my full name, somehow. He had the hold music and everything. Then, as we were securing my bank account, I received another text message from the same number that I received the previous text message saying that a Wells Fargo transaction for {$1000.00} was now processing from my Savings account from in a XXXX wire transaction. I panicked even more and the man was so calm and polite saying that we now have to dispute this XXXX transfer. Then he walked me through filing and opening a dispute for the XXXX transfer. Somehow, he manipulated me into adding a recipient onto my account ( XXXX ) named XXXX XXXX. He claimed that this was the XXXX fraud manager and that in order to file a dispute and have my money reimbursed to me by Wells Fargo, I had to follow his instructions carefully.Panicking to the point of an XXXX XXXX, I ended up sending XXXX XXXX {$1000.00} from my Savings account by XXXX. He assured me that I was not sending anything, just opening a dispute and this is how to open XXXX disputes with Wells Fargo. He also kept assuring me that the number he was calling me from was a verified Wells Fargo number and I could see it on the back of my debit card. He told me that tomorrow, I would be reimbursed for the {$1000.00} taken ( from the previous fake text message XXXX came ). He tried to get me to send more money, but that is when realization set in and I realized this was a scam. I asked him for his full name and he would not give it to me. I hung up the phone and immediately called the actual Wells Fargo and filed a complaint with them.The XXXX account that scammed me info : XXXX XXXX Phone : XXXXXXXXConfirmation : XXXX I filed a complaint with Wells Fargo on XX/XX/2023 for the XXXX scam above. I received a document on XX/XX/XXXX saying the claim was denied. I have no idea if Wells Fargo even looked into who scammed me. They did not notify if they were filing a police report at all. They have the information of the scammer ( XXXX phone number, scammer phone number ). They could easily ask for the information from the bank that the XXXX money was sent to and trace the transfer back to the scammer bank account. This scenario is covered under the The Electronic Fund Transfer Act ( EFTA ), regulation E.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
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: We never got any notification from WFB that payroll deposit were available during the pandemic of XX/XX/2020 and XX/XX/2020 my wife and myself were out of work. We found out about this issue, when my wife, got a notification from The Nevada unemployment division that she was over payed for the amount of {$13.00}, XXXX dollars. It is a huge issue for us, at this time, when we are in out retirement age. We filed a complaint with WFB, but they are saying that we go the money out, which we did not, I took money the was from my SS payments, and nothing else. Perhaps my account was hacked, by someone with access to our information, those individuals, are to very smarts and seems that everything is going towards us, as showing that we got out the money, As today XXXX/XXXX/XXXX, got a phone call from WFB asking to verify our address, because WFB wants to send us a check for {$120.00} dollars, seems to us that it wants to settle this disputed with this insulting amount, the offer was declined. Also I was told that the bank kept information not more than 60 days in their systems, our account was converted to different account, because we did no have DD, which we did with this deposit and my Social Security check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
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: XX/XX/2023 a hold was placed on a third party check XXXX XXXX from XXXX of {$54000.00}. Upon the check clearing funds available then My account was closed and my funds have yet to be returned. I contacted Wells Fargo several times with no avail to fixing the issue Wells Fargo Account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo Bank allowed fraudulent charges and fraudulent transactions to my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: In XXXX Wells Fargo Auto granted me automobile loan with no verifiable income. After the XXXX financial crisis I was unable to keep up with the monthly payments and was harassed day and night with phone calls and even people coming to my residence to demand payment. I eventually surrendered the car to a Wells Fargo bank. I never should have qualified for the loan, but since I lost my trade in a predatory car deal and had no other means of transportation, I had no choice but to take it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83702
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: On XX/XX/2023 at approximately XXXX while I was sleeping, someone stole my debit card ending in XXXX and withdrew XXXX different charges from a non-Wells Fargo ATM. The first withrawal being of {$200.00} and the second withdrawal of {$160.00}. As a resolution, it is fair that I make this report, go under investigation and receive a credit back into my checking account for both amounts, since I am not the one who made the withdraw nor did I give anyone permission to using my debit card. When this incident first occured I immediately contacted Wells Fargo claims assistance center at approximately XXXX to inform them of this fraud activity. I reported my card stolen, as well as informed them of the XXXX non-atm withdrawals that were not made by me. They have issued out to me a new debit card and did their own investigation, but because of the information I provided my case was closed as they believe it was I or someone who had my permission to make the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
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: This is related to earlier complaint I have sent to Wells Fargo. CFPB reference number XXXX. The original complaint is regarding a {$500.00} new account opening deposit which the company said they refunded back to me. But it has never been refunded back to me. I asked Wells Fargo representative, XXXX XXXX ( XXXX ) XXXX, to produce a reference number that represents the refunded transaction. XXXX XXXX, the Wells Fargo representative simply said there is no such reference number. Without this reference number, I am not able inquire with my original Bank, XXXX XXXX, on the refunded amount. The fact that there is no reference number makes no sense to me. There has to be some XXXX reference number traceable. Please reopen this case so that I can get my {$500.00} back. It has been almost 2 months since this amount has been not returned back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A